Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

I submitted an online joint checking account application on XX/XX/2022, in advance of getting married on XX/XX/XXXX, pursuant to an introductory offer stating that if I submit a certain amount of money within 20 days I qualify for a bonus payment. I never heard back from Citibank that it was opened until I arrived back from my honeymoon on XX/XX/XXXX with a debit card sitting in my mailbox. On XX/XX/XXXX I called them up to see if my account was opened and they said yes, on XX/XX/XXXX, which coincidentally caused the introductory offer to have no bonus eligibility passed XX/XX/XXXX. I explained to XXXX levels of customer service that if Citibank had never let me know when the account was opened, how I am supposed to know when the 20 days begin. I asked for the 20 days to be reset to the day I was alerted the account was opened, which was today, XX/XX/XXXX. They said they couldn't do that, nor could I apply again because I am now considered a customer of Citibank because my account was opened. They claim they sent me an email on XX/XX/XXXX, which I never received, nor do I suspect was ever sent. I believe this to be fraudulent marketing and an inducement to onboard clients.
Complaint sub-issue: Investigation took more than 30 days

I have incorrect information on my credit report it's costing me financial injury I can't get housing car loans or apply for credit card.
Complaint sub-issue: Public record information inaccurate

None of this information applies to me or my history. I never lived in, visited, or driven through XXXX XXXX Florida. I have never had these fines. I have never had my license suspended or revoked. 

County Searches : Consider XXXX XXXX, FL : Consider TCATS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Case Number XXXX File Date XX/XX/XXXX Court Jurisdiction FL XXXX XXXX County XXXX XXXX State FL Full Name XXXX, XXXX DOB XX/XX/XXXX Charge Tcats XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX - XXXX / XXXX / XXXX / XXXX XXXX Charge Type XXXX XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00}
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2022 I applied for a car loan from XXXX XXXX XXXX. Checking multiple sources my credit scores were on average about 690. I was denied from the XXXX which surprised me. I recently received the denial letter and it shows they reported my score at a 618. There were articles that Equifax confirmed they were sending out incorrect scores to lenders and I believe this is still ongoing as this score does not reflect where I am today. They are still causing people to suffer due to their inability to correctly provide credit info to lenders.
Complaint sub-issue: Information belongs to someone else

I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.
Complaint sub-issue: Cashing a check

I filed a complaint because U.S. Bank refused to return {$5500.00} that was stolen from my account in the form of a fraudulent check. They lied in their response to my complaint, stating that " you stated that you had checks stolen before XX/XX/XXXX. The loss of your checks not being reported was resulted in your claim being denied. '' That's not what happened. When I signed my affidavit I indicated that the checks had been stolen prior to XX/XX/XXXX, based on the address on the check. Prior toXX/XX/XXXX I had no idea a check had been stolen from me. I was trying to give U.S. Bank as much information as possible, and the address on the check was from a residence I moved out of in XX/XX/XXXX. Again, I had no idea the check had been stolen until XX/XX/XXXX when I saw the fraudulent check on my account. If you read their letter from XX/XX/XXXX they didn't even mention anything about the checks being stolen prior to XX/XX/XXXX, they said they refused to return my checks because I " failed to secure '' my checks. The reasons they're giving for refusing to return my money keep changing, but the bottom line is that the check was fraudulent, I had no idea the check had been stolen, and U.S. Bank is obligated to return my funds for the fraudulent check, even though they have continuously refused to do so.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have a two part problem : I purchased a mattress on XX/XX/2017 for {$5200.00}. It was a promotional purchase of 12 mos deferred interest with payments. I have been making monthly payments mostly more than the minimum requested on my statement. However, not a single dollar has been applied to the promotional balance on the account. I called XXXX and I received a variety of answers all different, none of them made sense. I have been told that I need to call every month to request that they allocate a portion of my payment to my promotional plan and that was contradicted by someone else through chat saying a portion of my payment should automatically be applied to the promotional balance. I escalated my concern to a supervisor who claimed that because a change in terms all of my payment is being applied to my regular purchase plan and none to my promotional balance. When I asked more about this change of term such as the date and when a notification was sent out and a copy of it, he told me he would research it and get back to me in a week. He said he would call back but he never did. 

Ultimately, what I have gathered is that the minimum payment is calculated upon my entire balance ( my regular purchase plan and my promotional balance ) but when I send my payment, it is ONLY applied to my regular purchase plan. So how exactly am I able to fulfill the terms of the promotional plan if the payment allocation method clearly contradicts the terms of such plan? As of today, I still owe {$5200.00} on that credit plan even though I have made payments every month. So were the promotional plan terms fraudulent and instead I'm supposed to pay the {$5200.00} all at once after 12 months? Or is XXXX having an internal system issue in which they are not applying my payments correctly? 

My second issue is with the mattress we purchased on XX/XX/2017. It has a huge sink hole on one side. I've contacted XXXX to have it warrantied out and just like always they send the same technician who states there's no issue with the mattress. Their rudimentary way of 'testing ' the mattress ensures that XXXX never has to warranty a mattress. It is severely defective and unusable and it needs to be warrantied asap. We are tired of being sold lousy mattress after lousy mattress, new one much more expensive then the one before and it being of lower quality.
Complaint sub-issue: Was not notified of investigation status or results

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2021 I wrote a letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I bank with Direct Express because Social Security send my money there. I have had no luck getting them to transfer my money directly to the card that I pay my bills with.they said they could do it but I still couldn't get it done because they couldn't help me. I told him I was having troubles with their automated service. Still no help. I spent hours trying to work with them but they have the worst customer service ever. I went a different route and have my money going directly to a different card now but the Social Security agent told me that a lot of people complain the same complaint. Their automated service hangs up on you and takes you in circles and other strange things. The customer agents are hardly helpful and in fact I actually spent hours getting nothing done and 9 phone calls that's today.. I can't pay my bills with this account and I have to transfer my money to my other debit card. They couldn't help me. A video recorded my last call with them. It was almost an hour long call and I let the supervisor that I finally got know that I had been documenting the entire call and she hung up on me. I was irate and that was why I was recording my whole process. I do have a video but I can't upload it. I just took a screenshot of my phone calls. You can try that number yourself and see how it is. I'm on Social Security and have a XXXX and don't need to be going through this kind of XXXX. Neither does all the other people that get their money the same way.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax allegedly conducted an investigation into my balance with   XXXX   XXXX   XXXX   however, they are still reporting incorrect information.  In fact,   XXXX   XXXX   XXXX   provided documentation illustrating that the account is paid in full.
Complaint sub-issue: Debt is not yours

I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Equifax can claim to verify this alleged debt when the Collection Agency itself obviously can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XXXX XXXX XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXX XXXX  again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action.

If you continue to list the disputed item on my credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely
Complaint sub-issue: Debt is not yours

I C Systems the collection agency has gathered a debt by XXXX XXXX XXXX. This debt is invalid as the items had been canceled due to the transaction not being valid. It was not valid because they did not complete the agreement in good faith. I was sent the wrong spice rack and they refused to accept it back. I then canceled the rest of the items ordered. They insisted on me paying for the items never accepted. XXXX the Financer sided with me on this dispute and eliminated my obligation and debt. XXXX XXXX XXXX got mad and insists I pay for the items even though the agreement was for XXXX to finance it. They have sent my account to a collection agency but they are not owed anything.
Complaint sub-issue: Information belongs to someone else

I received a letter from   XXXX   XXXX   around the end  of 2014 indicat ing I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
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Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC  .
Complaint sub-issue: Debt was paid

I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Discover bank has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Complaint sub-issue: Information belongs to someone else

FCRA violators must notify before item was removed and added back on which the companies fail to do which are FCRA violations must remove items See PDF file for previous deleted account added back on : see below
Complaint sub-issue: Funds not received from closed account

Citi Bank Account was set for closure in XX/XX/XXXX with XXXX $ in my account. I called every other day they always say 30-60 days before I would receive a check. Its now XX/XX/XXXX and they still are saying the same thing. I just want my money from my account that was wrongfully closed. Have seen more people complain about the same situation. I can not log in to access my own account.
Complaint sub-issue: Reporting company used your report improperly

RE : You Violated The United States Code Law 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX XXXX 
Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Please move urgently to resolve this matter as I will have no choice but to take legal action regarding this matter if not completed in a timely manner. 
Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of XXXX {$1000.00} XXXX per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the  investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE
Complaint sub-issue: Investigation took more than 30 days

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES