Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

In early XXXX, I found an offer from Citibank to open a new checking account with them ; leave {$15000.00} in the account for 2 months, then they would give a {$300.00} bonus. About 1 and a half months later, the account was closed. After calling customer service, I was told that the account was closed as a result of my lack of response to a call they made to me on XX/XX/XXXX. In fact, my phone log says that I called them back about an hour later the same day. Otherwise, I had received an email on XX/XX/XXXX after activating the debit card they sent me, and on XX/XX/XXXX, saying that my transfer had gone through. However yesterday ( XX/XX/XXXX ) I received an email saying that the transfer did not go through and that the account would be closed. I have a feeling that Citi is systematically closing accounts rather than paying out the bonuses they offered to account holders. I would happily have put the money in a high-interest account were Citi not to have made that offer, but instead, Citi has been making interest on my money and left me out to dry.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im a victim of fraud. I send in my letters and disputed all the transactions. XXXX acted with the best result however Equifax has piled all these fraud charges on my report when they clearly were removed from my other reports. Equifax should match my other scores and the fraud damages removed.
Complaint sub-issue: Information is not mine

I was at the casino. I left my purse on the table and turned around and when I returned, my card was gone. I believe someone is pretending to be me and I am a victim of Identity Theft. Please investigate this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi double cash credit card refuses to resolve 2 dispute charges and wont acknowlege my response to a merchant who allegedly fixed my car yet it was so dangerous to drive that I had to purchase another vehicle Citi credit card wont resolve my dispute and is giving the merchant the amount that was charged I refuse to pay the merchant and Citi can pay the merchant for their gross incompetence and negligence
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

There are inquired that A. I did not authorize or B combines I never heard of before
Complaint sub-issue: Debt is not yours

I found false information on my credit report that caused a drop of 29 points on my credit score, that debt belongs to an original creditor by the name : XXXX XXXX, it was placed on my credit report by : ENHANCED RECOVERY CO L Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX this false info has severely damaged my credit report and score during a pandemic, as a XXXX worker and with the limited free time I have, I tried calling them many times but calls go to a mobile voicemail that has not been set up.
Complaint sub-issue: Investigation took more than 30 days

I have requested a 609 verification, requesting the original contract of all accounts. I sent a certified letter to this company requesting that they provide me with the original contracts for each account they are reporting on. This company has failed to provide me with the request that I asked for and provide the information in a timely manner. I did a certified copy that was signed on X/XX/17 and I have failed to receive this information. They have violated the fair credit reporting act. I 'm requesting that this matter be investigated.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I was evicted in XXXX for paying my rent late. It was at XXXX XXXX. Public housing. The time that I lived there the Apt had mildew and the XXXX did nothing about it. I was late on my rent XXXX  times. Each time they put an eviction notice on my door. The first XXXX I payed my rent and was allowed to pay. That is on my credit report. XXXXXXXX XXXX XXXXXXXX is the collection agency and the time has run out to collect. They just put it back on my credit report and I want it taken off. If I contact them it will start the process over. I left a XXXX XXXX abusive relationship to live in mildew. I didnt know until I went to court that I could have filed against her to take care of it. I used legal aid and they never told me that.
Complaint sub-issue: Personal information

Doctor bill submitted for collection because doctor 's office did not provide updated medical insurance to its billing department. Updated information also included my new address so I never got a notice of the problem. Doctor 's office cancelled the collection on XXXX/XXXX/15, more than 30 days ago, and it needs to come off my credit report and the affect it has had upon my credit score.
Complaint sub-issue: Problem while selling or giving up the vehicle

I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an acct that is illegally being reported to my collections causing negative effect on my credit. Equifax removed the acct then added it back to my credit report. This company REFUSED to take payments and can not confirm the validity of the amounts owed. XXXX has received credits and can not actively collect these ALLEGED amounts.. allegey this acct was written off XX/XX/18 they hung up on EVERY attempt made to rectify and is in violation of the debt collection act yet Equifax removed the acct then added it which is in violation as well. I went diversified consultants removed from my credit IMMEDIATELY AND PERMANENTLY
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I also Sent Equifax to remove the incorrect addresses on my credit profile. 
They have failed to do so.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have contacted CitiBank to dispute a charge on my credit card for 2 tickets sold by the merchant XXXX for a service that was not delivered as expected. CitiBank did not dispute the fact that the service was not on par with what was advertised ( a XXXX XXXX XXXX show ) but claims that it is the theater and the troupe that are responsible for the quality of the service and not the merchant. However, I did not purchase the tickets from the theater/troupe ; in fact, when I approached the box office to request a refund, I was told the theater had no record of me purchasing the tickets. Indeed, I have purchased the tickets from XXXX and the notion they don't have control over the performance has no bearing on the fact that I was not provided the service as expected. CitiBank refused to reverse the charge.
Complaint sub-issue: Account information incorrect

Mohela open two personal loans in my name without my consent the first loan amount is for {$870.00} and the second loan amount was for XXXX and they made it look like a refund from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX was already issue my refund at the beginning of XXXX. This is an XXXX violation. I happen to check my XXXX credit report to see and I found the information. I request was XXXX XXXX XXXX XXXX XXXX XXXX I did not consent to this under no circumstances. I will like all my loans consolidate immediately to XXXX XXXX XXXX  loans.
Complaint sub-issue: Information belongs to someone else

CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 

InqXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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: Problem during payment process

I've made a payment of {$1000.00} to my Citi AAdvantage credit card (  ending in XXXX ) on XX/XX/2020. Due to COVID-19, I've been forced to withdraw my XXXX and pay for my credit cards as my family income has been reduced. I've paid down about 11 credit accounts on the XXXX and XXXX of XXXX, however, this is the only account has not cleared the payment. All other creditors have cleared my payment so far with a couple clearing them 2-3 days after. Once I interacted with the Citi employee via in-app messaging, they relayed to me that my payment would not get cleared until the XXXX of XXXX. 2 weeks to clear a payment is not fair practice based on how all other creditors have treated me. In my opinion, this should be resolved between the creditor and client without the involvement of OCC or other entities as it abuses the client 's time and extends undue hardship to the client.
Complaint sub-issue: Personal information

After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 some body called XXXX XXXX swapped my phone XXXX card and stole all my money from my Citi bank accounts. The bank declined the claim saying I did not safeguard my money.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not reporting my XXXX XXXX Credit Cards. I requested XXXX XXXX do a reinsertion of my cards to report to my Credit Reports. XXXX XXXX has tried to do their due diligence my filing a reinsertion on my behalf XX/XX/2020. My cards are appearing on XXXX & XXXX with frequency but not Equifax. When I call them I keep recieving the runaround or given the same number to keep repeating the same frustrating process. My score has tanked 84 Points due to their unwillingness to report correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with NELNET for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
Complaint sub-issue: Didn't receive terms that were advertised

I was promised XXXX XXXX XXXX bonus miles for opening a savings acct and keeping {$10000.00} in there for 60 days. They promised they would pay the XXXX XXXX bonus miles within 90 days after the requirements were met of having {$10000.00} balance for 60 days. We are beyond that date threshold and the miles bonus is still not paid. 

This is deceptive and abusive approach for Citi to entice consumers to open accts with the promise of bonuses but not pay them as advertised using their disclosure. 

opened account with required minimum {$10000.00} on XX/XX/XXXX and kept balance for 60 days. 
The bonus should have been paid by 90 days or by today XX/XX/2021 and it has not. Citi bank does not seem to care that they have not met their disclosed timeframe to me and are saying for me to just wait. 
this is bad for consumers. They have been doing this to a lot of people and they should be penalized with UDAAP civil money penalties for consistently violating fair and accurate advertising to garner deposits with the lure of bonus $ or miles only to ave the consumer have to fight to get the bonus paid. 

Please have them deposit the promised XXXX bonus miles into my XXXX XXXX Acct thanks XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XXXX payment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by XXXX XXXX this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behind XXXX throughXX/XX/XXXX ( Completely incorrect ).
Complaint sub-issue: Their investigation did not fix an error on your report

Hello. I've been sending out disputes to all 3 bureaus XXXX, equifax, and XXXX  since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as equifax reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.
Complaint sub-issue: Old information reappears or never goes away

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, Equifax, XXXX, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

For the past 4 months US BANK CREDIT CARD SERVICES has continually allowed unauthorized charge to my consumer credit card. Each month US Bank send our accounts into default by allowing these unauthorized charges.
Complaint sub-issue: Information belongs to someone else

Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX, XXXX, XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for EQUIFAX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I send a certified letter requesting validation of inquiries on my credit file. I was sent a generic letter stating, that the requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as to proof of who was contacted and what information was obtained to verify the accounts was accurate.
Complaint sub-issue: Problem during payment process

CFPB reference number XXXX Have no option to use US Bank NATO Bill pay account from USA Treasury pay.gov with reference company ID There is also a reference DUNS Number for all my VISA Cards
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are hurting ME the consumer ....
Complaint sub-issue: Company closed your account

Citi closed my credit card account as of XX/XX/2020. I believe my account had XXXX Thank You points at the time of closure ( per my last bill statement ). Citi is not allowing me to use these points of mine. Per Citi 's letter, it states that the points are immediately forfeited and are unavailable for redemption. I do not understand why they will not let me use the points I earned. All my purchases were legitimate and made by me, and I paid all of my bills on time. I did not do anything illegal.
Complaint sub-issue: Investigation took more than 30 days

the credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX at XXXX EST I called Citi about a credit card i had through them which was a XXXX XXXX affiliated card. I asked the representative to cancel my credit card to which I was told that " there is an issue with your account which prevents me from closing your account right now, may i instead credit your account for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded. The representative then at my incessant demand managed to close my account without any hesitation or inquiry to another department to 'resolve the issue ' which supposedly existed. When pressed about the issue the representative told me that there infact was no issue, but rather this is a sales tactic they use to deceive consumers who are trying to close their accounts.
Complaint sub-issue: Was not notified of investigation status or results

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX XXXX