Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I sent Equifax the following : Re : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Alleged Original Creditor : XXXX  XXXX XXXX XXXX Alleged Account Number : # - XXXX Alleged Debt Amount or Balance : {$3000.00} Dear Equifax : On XX/XX/XXXX, as evidenced by a certified mail return receipt, you received a letter from me disputing an alleged debt owed to XXXX XXXX XXXX XXXX a debt collector. In said letter, I requested physical verification of the original signed consumer contract. You failed to provide any verification, specifically physical verification of the debt ( original signed consumer contract. In response to my request, you sent a letter alleging you verified the debt. In addition, you updated the account of alleged debt owed. You allege this unverified debt was reported to you XX/XX/XXXX. According to the credit file in my possession, the alleged debt was reported to you in XX/XX/XXXX. In addition, according to the credit file in my possession, the account number of the alleged debt ends in XXXX. In the response to my debt validation request, you allege the account number ends in XXXX. I have not received validation of the debt from you or the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my Signature on it ) you have on file of the account listed above. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed above. You are hereby notified that I have filed a complaint with the Consumer Financial Protection Bureau and civil claims may be pursued.
Complaint sub-issue: Problem accessing account

I applied on the XXXX  ( a Midfirst division ) app on or around XX/XX/21. While I was creating user name and password, the app crashed. I couldn't go further. I called XXXX and was told that retry in XXXX days. I did retry but now it was saying that I already have a relationship with them and can not proceed. I called again, and was told that they do see me in their system but for some reason, I was not assigned account number due to technical glitch. At that time, I was informed that I am successfully approved too, but it may take couple days to get the issues straightened out. Its now over a month, and I am still without account number and online access.
Complaint sub-issue: Didn't receive advertised or promotional terms

offed  XXXX      AA advantage point if spent {$3000.00} in 3 months.
Gave {$1500.00} limit.
paid more for the account to be in credit but freeze spending power not to get to {$3000.00} in 3 months
Complaint sub-issue: Reporting company used your report improperly

The reporting agencies have over ten department of education files on my credit report.
Complaint sub-issue: Reporting company used your report improperly

This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.
Complaint sub-issue: Didn't receive terms that were advertised

I was told in the Citibank online advertisement ( that applied by clicking through ) I would earn {$400.00} when I opened a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. Bonus will post within 90 days from the date you complete all of the requirements. 

I opened the accounts on XX/XX/XXXX and the money was deposited into the accounts on XX/XX/XXXX. This was 10 days after the account opening, well within the 30 day requirement. I deposited {$15000.00} into the checking account and {$100.00} into the savings account ( on XX/XX/XXXX ), thus meeting the total and individual account amount requirements as well. I left the money in these accounts until XX/XX/XXXX not using or moving any of it. On XX/XX/XXXX I withdrew {$2000.00} from the checking account. Thus the money was in the accounts at the proper amounts for longer than the 60 day requirement ( XX/XX/XXXX-XX/XX/XXXX ). The account is still to this day open and in good standing yet I have not received the bonus that should have posted at the end of XX/XX/XXXX ( around XX/XX/XXXX is 90 days after I met all of the requirements ).

I chatted online with a Citi customer service representative on XX/XX/XXXX. He said that I was owed the bonus and should have been paid in XX/XX/XXXX ( I took a screenshot of him saying this and attached it below ), he said that he was issuing a ticket and that Citi would get back to me within 2 business days ( also screenshot and attached below ). I have still heard nothing from them. I then contacted Citi customer service again this past Friday and he said that there was nothing he could do but have my issue expedited. I still have not heard back from Citi and still do not have the {$400.00} bonus. My statement just closed again on XX/XX/XXXX and I was hoping the bonus would be in the account then but it was not.
Complaint sub-issue: Didn't receive terms that were advertised

I participated in the Citibank Account Package promotion with the following terms ( screenshot attached showing web url for promotion : " citi checking offer XXXX '' ) : 1. Open a checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 
2. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account.

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.

4. Get {$400.00} deposited to your account!

I have performed the following activities in accordance to the terms above ( see statements attached ) : 1 ) Opened a checking and savings account in the Citibank Account Package on XX/XX/18. 
2 ) Deposited : - {$50.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX, - {$50.00} New-to-Citibank funds on XX/XX/XXXX to savings account ending in XXXX, - {$14000.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX. 
3 ) Maintained a minimum balance of {$15000.00} in my checking and savings account for 60 days, until well after XX/XX/XXXX. 
4 ) Inquired on the status of the opening bonus. Given the promo reference code as XXXX and told that the bonus will be received up to 90 days after satisfying conditions 1. through 3. This  means the bonus should post by XX/XX/18 at the latest.

5 ) Inquired on the status of the bonus on XX/XX/18. Told that no promotional info was found on my account, which is open and in good standing.
Complaint sub-issue: Funds not handled or disbursed as instructed

This a follow-up to complaint XXXX. 
Citi states that I did not receive the {$700.00} bonus because the checking account " does not have you as the first signer, therefore, you did not complete the required activity to receive the {$700.00} Bonus. '' This is a joint checking account with my wife. The " Terms and Conditions '' do not make any mention of joint checking accounts, let alone requiring that I be the first signer. All signers to a joint account have the same rights and privileges regardless of the order in which they signed. Most banks do not differentiate between signature order. Your " Terms and Conditions '' do not indicate that Citi makes that distinction.
Complaint sub-issue: Information belongs to someone else

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status of charged off but the problem is that I never had an account with this company called XXXX XXXX XXXX the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2017, I have disputed this account with XXXX  , XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX, XXXX and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.
Complaint sub-issue: Right to dispute notice not received

I was in a car accident and was deemed not my fault. I incurred medical bills. I had insurance even though it was not my fault. The other party had insurance. All the insurance information was provided for both parties. 
I hired an attorney that contacted each vendor and explained that there was litigation in process and that it was illegal to report any debt until the actual debt responsibility could be determined. 

We disputed the debt even though they had NEVER disclosed the debt prior to placing it on my credit report. We disputed the debt through the vender who gave us High Desert Creditors info. In spite of our disputes, written attorney correspondence, and repeated follow up I find ( when I apply for a mortgage loan ) that High Desert Creditors IGNORED our disputes and reported the debt anyway. I may lose my fantastic rate because it dropped my scores approximately XXXX points. I have now suffered monetary damage.
Complaint sub-issue: Deposits and withdrawals

I opened an account through Citibank 's online portal on XX/XX/XXXX. Soon after receiving my debit card and making a few transactions, I switched my direct deposit over to my new citi bank from my previous bank. Without notice on XX/XX/XXXX, Citibank blocked both my checking and savings account. When logging in to my account I could only see a message that read, " information for closed accounts is not available ''. 

Immediately I called CITI bank and was told my account had been referred to their fraud department where I was transferred. I was told by the fraud department that the account had been referred for closure and that there was no further information they could share, and promptly hung up on. I tried this a few times and got the same answer 3 times. I went to my local CITI branch and was told by bankers that there was nothing they could do as the online banking process operates separately from them ( which sounds very sketchy ). 

Without any information or way to access my account to find out where my pay from my job has gone, I'm stuck with bills and expenses in hand and am told by CITI I have to wait up to 60 days to receive any funds that I might be owed. 

Absolutely awful experience that's going to cost me more than I would have paid if I'd just stuck with my old bank. I feel very sorry I tried to switch to what was advertised as a friendly customer-centric bank and am now being told all of the funds I rely on day-to-day are going to be held XXXX for up to 60 days.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00}
Complaint sub-issue: Account opened as a result of fraud

My identity was stolen. I received a XXXX XXXX card with unemployment benefits in or around XXXX. I did not file for these benefits. I filed fraud complaints with XXXX XXXX, XXXX XXXX, and now you. In the interim I check my ID shield and two accounts have been open in my name with an online bank called XXXX XXXX. I can not reach anyone there to help me close them. 

Please help me stop this and find out who it is. 
XXXX XXXX
Complaint sub-issue: Problem with customer service

I called FedLoan Servicing on XX/XX/2022 to have my student loan payment refunded. I called XX/XX/2022 for an update, but there is no progress on the refund request. I'm not even sure if they sent an application for my initial request for a refund. I checked my account today ( XX/XX/2022 ) and saw that my loan information is gone entirely. Previously, it shows my loan amount and that it was paid off.
Complaint sub-issue: Information belongs to someone else

I've been in contact with Equifax over and over for a while now and they have been a big help. However I still have so errors reporting on my credit report. I lost my social security card and someone else was able to open accounts in my name. I recently filed an identity theft report with the FTC for this reason.
Complaint sub-issue: Can't decrease my monthly payments

The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for me.
Complaint sub-issue: Debt is not yours

Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist. Thus, I couldn't be provided with the billing and payment history.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/2017 Balance {$370.00} ; XXXX  XXXX Date opened XX/XX/2017 Balance {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Complaint sub-issue: Investigation took more than 30 days

I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

The IQ DATA INTERNATIONAL company collects the debt that I do not owe. The amount keeps increasing without any notice. 
I have disputed to XXXX  to original creditor XXXX Original Date : XX/XX/2019 Current Date : XX/XX/2019 ( From Credit Report )
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 there was a hard inquiry on my equifax account from XXXX XXXX  XXXX  I didnt Authorize any inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in school and did not graduate until XX/XX/XXXX. For reasons I am unaware of my University had me listed as graduating in XX/XX/XXXX. This created 30 day lates on all of my student loans and ruined my credit. I have since contacted the University and have received evidence I was in school and sent this to all of my student loans and all of the late pays have been corrected except Nelnet. Nelnet has refused to remove the late pays, even though they have received the same information I submitted to all of my other Student Loan Companies. How can this documentation provided be sufficient for my other student loans, but not this one? I  have never had a 30 day late in over 14 years of credit history. It is clear to me I can pay my debts on time. This situation has taken over 6 months now to be corrected and needs to be fixed. 

Thank you
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and Americollect, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and XXXX. I disputed with each bureau. XXXX  immediately removed it from my credit report but XXXX denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. XXXX admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.