Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

XXXX , received a offer in the mail from citibank for a citi simplicity card  XXXX  applied on line as instructed  XXXX  received immediate approval and was offered to transfer balances I put in my balance transfer information and hit submit, the response received was " unable to process your request ''  XXXX  I called citibank, was transferred twice ending with  XXXX  in South Dakota, new applications department  ( n ame of department might be wrong ).  XXXX  informed that with this card citi simplicity, no immediate balance transfers were available. I informed  XXXX  that the application process took me there and said I could do it.  XXXX  acknowledged that this is a known problem.  XXXX  could n't take my balance transformation information over the phone because of " regulations ''.     I find this practice to be misleading. The fact that it is a known problem and continues to exist is even more problematic. It appears that Citibank is misleading customers knowingly. This seems to be a simpl e IT f ix, there is no reason why this should happen.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Complaint sub-issue: Personal information incorrect

I disputed my previous name. I am recently married and was denied a loan application because Equifax had not updated my name properly. I have tried to access a new report but the error message says my name does not match what is on there system.
Complaint sub-issue: Problem cancelling or closing account

Why are credit seekers punished for seeking the best rates? My wife and I recently sought a home equity line of credit and a new car loan. When seeking the best rates, credit issuers check our credit scores which cause the scores to drop. This is ridiculous. This is the only situation in which a consumer is PUNISHED for trying to get the best deal. I understand why it would affect the credit score when a person applies for multiple credit cards. But there should be a protected class of inquires including mortgage and car loan inquires which do not damage or lower a consumer 's credit score.
Complaint sub-issue: Reporting company used your report improperly

Due to Equifax lax security, my PII has been leaked, alojg with all of my credit/financial information.
Complaint sub-issue: Account status incorrect

I called XXXX XXXX corporation for a pay to delete a account of of my credit and the agreed but its still on there reporting as closed payed account they said If i pay they will delete it off of my credit and send a letter of Deletion also ask eqifax delete the account on my credit report
Complaint sub-issue: Information belongs to someone else

i was victim of identity theft, somebody stole my personal information to open credit cards.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Complaint sub-issue: Information belongs to someone else

i pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem using a debit or ATM card

I bought a ticket ( amount of {$3500.00} ) for a festival in XXXX XXXX expected to hold on XXXX XXXX from a company called XXXX using my Citibank debit card on XX/XX/2021. The organizer of event canceled the event on XX/XX/XXXX due to COVID-19 pandemic and promised to refund. I applied for the refund on XX/XX/XXXX but alas, the merchant XXXX refused to refund till date. 
I contacted Citibank of the issue and provided all the documentations to back up my dispute. I provided letter showing events was canceled, email exchanges with the merchant promising to refund but didnt ( all evidence attached ) and asked Citibank to investigate the matter and help recover money from merchant since I used my Citibank debit card. 
It is with disappointment that I received a letter from Citibank dated XX/XX/XXXX ( attached ) that they are unable to investigate the dispute because too much time has passed and they encourage me to seek the refund directly from the merchant. I consider this lazy and ridiculous despite providing all evidence to Citibank that merchant was deliberately holding the funds and not trying to repay, despite canceling the event. 
I am very sad being treated in this manner despite being a Citi customer for 11 years. I even contacted my Citibank relationship manager, XXXX XXXX, to intervene in the matter with no luck. This transaction is supposed to be the easiest to resolve since the merchant canceled the event and promised to refund.
Complaint sub-issue: Account status incorrect

I provided all identification that you guys requested for my security freeze down below pdf
Complaint sub-issue: Account status incorrect

Fedloan Servicing is still showing my account as open when in fact my loan was transferred to another servicing company. Now on my credit report both accounts are showing on my credit report as if I have all of this debt when I don't.
Complaint sub-issue: Information belongs to someone else

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX credit card never aplicacin
Complaint sub-issue: Their investigation did not fix an error on your report

I have a old auto loan through XXXX XXXX XXXX. the amount showing was {$160.00} unpaid and on my report as charged off, the amount is incorrect and I have had many issues with this bank, but in the end to get this removed I paid in full. I disputed the loan on all 3 credit reports and were removed by 2. Equifax had updated the account to first delinquency of XX/XX/XXXX and I had asked to remove it as its been past 7 years. the account stayed on my report and then later updated again to XX/XX/XXXX delinquency date. I had disputed this a second time and the results were loan removed off my report as of XX/XX/XXXX ... this account again was put back on my report and showing XX/XX/XXXX delinquency so I wrote certified mail my dispute and the result was " this account isn't reporting on your report ''. today I see on my credit report its on there with the same information XX/XX/XXXX delinquency and I called and they say the same thing over and over and ask if I want to disputed the account ( I have already done so 3 times ) im angry and this is being handled terribly and is effecting my ability to obtain credit im beyond frustrated and exhausted I need help
Complaint sub-issue: Attempted to collect wrong amount

Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with XXXX XXXX XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on Equifax and XXXX  as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act. 

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX and Equifax reports.
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all incorrect information on my credit report with Equifax.
Complaint sub-issue: Information is not mine

Wrote letter to XXXX disputing info on my credit report. XXXX reporting I have a mortgage with them. No response after 4 months. Have sent a second letter seeking a remedy to incorrect info to Equifax. Sending XXXX second letter at the same time filing complaint with CFPB.
Complaint sub-issue: Debt was paid

In XXXX of XX/XX/2017, Armada Corp., advised of an outstanding debt for XXXX XXXX. Proof of payment was given to the collection agency however, their position is that they received the debt prior to being paid and are therefore owed for their services. I have twice sent letters to satisfy this problem and with no response. However, Armada  continues to report the debt as unpaid and will not remove from credit reporting.
Complaint sub-issue: Problem with product or service terms changing

I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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: Account information incorrect

Moneylion continues to violate the bankruptcy discharge that we received on XX/XX/XXXX. 

The XXXX XXXX case was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. Moneylion received notice from the court, as well as me. I responded to Moneylions debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the bankruptcy and provided discharge documents. Moneylion has instead chose to wrongfully and injuriously report further delinquency to my credit report.

Credit disputes continue to receive incorrect information from Moneylion, despite providing the court documentation.
Complaint sub-issue: Public record

There is a Chapter XXXX reported in my XXXX credit bureaus.
Complaint sub-issue: Can't close your account

I am writing as requested to provide you with the details of my, and my mother 's experience in dealing with Citi Bank since XX/XX/XXXX in regards to the Citi XXXX account my grandmother had with them. 

I have attached a copy of the complaint letter sent to their compliance department in XX/XX/XXXX, which fully explains the circumstances of the challenges we faced up until that date. We have provided a multitude of documentation, including my mother 's birth certificate, the original copy of the power of attorney ( which has still not been returned to us ) and legally notarized documentation to prove my mothers identity. 

I have also attached a copy of the full transcript of all messages sent to their customer services team via their company XXXX account, and copies ( with the account number removed ) of two subsequent letters ( XX/XX/XXXX and XX/XX/XXXX ) sent to the XXXX XXXX office, along with a response received from them recently. 

In XX/XX/XXXX, we also received a letter ( copy attached ) from my grandmother 's cousin ( XXXX XXXX XXXX who, along with my mother ( XXXX XXXX ) was named as 'ITF ' on my grandmother 's account. She informed us that she had gone to the bank with the documentation requested by the XXXX office and it had been copied and filed on the account. 

She also informed me that I needed to CALL the office in XXXX XXXX to get the funds released to me. I was not able to call and speak directly to anyone in XXXX XXXX, so again, I had to write another letter, to which I recently received a response requesting even more documentation and needing to go to the US Consulate in XXXX for attestation. 

For me not to receive a response to a recorded delivery letter ( sent via XXXX ) directly to their compliance department 6 months ago is surely against regulations? I have not even received a response from their compliance department to say that it is being investigated. 

I am happy to provide any other details requested, but this should NEVER have even got to this point. My mother was entitled to receive the money in trust to her in my grandmother 's account. 

To say we are beyond disappointed in why this has taken so long and caused so much distress to us as a family is inexcusable. We have done everything possible to try to follow through on my grandmother 's wishes and have been blocked in one way or another at every point by Citi Bank. 

My grandmother wrote a letter to your bank in XXXX saying that she wanted to come and sort the account out in person but was unable to do so due to her declining health. She also noted that she hoped she could do so in the summer of XXXX but it turned out that she was not able to do this either.
Complaint sub-issue: Transaction was not authorized

I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!
Complaint sub-issue: Confusing or misleading advertising about the credit card

For the past 60 days, I have received telemarketing calls ( 90 % of calls appear as 'Scam Likely..with XXXX XXXX .... ) on behalf of Discover Credit Card ( which I don't have ) Chase and Visa to qualify for 0 % promotion. I initially blocked the calls, but all the phone # s are similar and on average I receive 20 calls/day. When I have chosen to speak with someone ( option # 1 ) to request my phone # to be removed, they either agree to do so, or hang up on me. Then will call back. Most recently, I received a call from XXXX XXXX XXXX ( which is similar to my cell # ). When I called it back, I reached Asst. Atty XXXX XXXX who advised this was her personal ph #. Her advice was for me to file a complaint with the FBI in my local area. She provided the contact # and I called. Was advised to file an IC3 complaint.
Complaint sub-issue: Account information incorrect

XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.
Complaint sub-issue: Investigation took too long

XXXX Card XXXX was disputed for accuracy with claim XXXX. 
Date Opened XXXX/XXXX/2008 is incorrect and not verified. No copies of signed contract supplied. 
Date Last Activity is blank and incomplete Charge off Amount is Blank and Incomplete CRA XXXX XXXX XXXX XXXX ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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: Trouble with how payments are being handled

Hello my name is XXXX XXXX I am a co-signer for a Sallie Mae XXXX XXXX XXXX I paid it in full and they havent sent my statement that its been paid in full and Ive called 23 times already and requested a statement that this loan is paid in full
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, XXXX XXXX attempted and successfully was able to pull a hard inquiry on my Equifax credit bureau without my consent. A security freeze and fraud statement exists. I contacted XXXX XXXX and was advised that the hard inquiry would be removed within 30 days. Here is a copy of the email on XX/XX/2020 : Were happy to help resolve this issue. 

Dear XXXX XXXX, Thanks for reaching out to us. 
A request has been submitted to the credit reporting agencies depicting a hard inquiry on your credit report for the XXXX XX/XX/2020 credit check to ensure that information no longer appears in the hard inquiry section of your credit report. 
Please be advised it may take such agencies up to thirty ( 30 ) days to update their records.

I have waited for months and the hard inquiry remains. I contacted Equifax and they will not remove the inquiry stating that I must contact XXXX XXXX again. Going through the fraud department of XXXX is very time consuming and they did not correct the error that they did and remove the fraudulent inquiry.
Complaint sub-issue: Public record

I have disputed the bankruptcy listed on my credit report with Equifax. My information has been suppressed with XXXX since XX/XX/XXXX but they send me correspondence stating they have verified with XXXX. I requested a copy of my XXXX report which is dated XX/XX/XXXX. I received a document from Equifax dated XX/XX/XXXX that they verified the bankruptcy again through XXXX even after I provided them a copy of the report stating no bankruptcy records.
Complaint sub-issue: Information belongs to someone else

I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO ME.