Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

In early XX/XX/2019, I was targeted for a promotion [ Citibank promotion #  XXXX ] to open a Citibank checking account and receive XXXX American Airlines Advantage miles after specific qualifying activity. I received a welcome email from Citibank and instructions to complete this activity, which is attached. 

After having completed all required activity on XX/XX/2019, I waited to see that these bonus miles were credited to my American Advantage account. When I did not see them, I contacted Citibank at telephone number XXXX, on XX/XX/2019 and an inquiry was started on my behalf from which I received reference number # XXXX. On XX/XX/2019, I received the attached letter from Citibank stating that my account had met the necessary requirements, but that I would need to wait until 90 days from the date of the qualifying transactions. Termination of 90 days from qualifying activity occurred on XX/XX/2019. 

On XX/XX/2019, I again contacted Citibank to inquire about these bonus miles. After having been on the phone more than five hours and having been transferred to no less than six different representatives [ originally spoke with XXXX, was transferred to XXXX and then transferred to XXXX. XXXX was the Citibank Costco representative and he transferred my call, but the call was dropped. I called back and spoke to XXXX who transferred me to XXXX, who transferred me to XXXX. All these notes appear on the second copy of the XX/XX/2019 letter received from Citibank. ] I was told the miles should post to my account by on XX/XX/2019, but no later than XX/XX/2019. 

Today, XX/XX/2019, I again contacted Citibank to inquire about these missing bonus miles. After more than one hour and speaking to at least two representatives, I was told a new internal investigation was required, but she would ask that the miles be expedited. In her words, hopefully the miles should post within 7-10 days. My new reference number is # XXXX. 

I have spent more than 10 hours on the phone with Citibank, contacted them via XXXX and nothing has been resolved. This has been a very frustrating experience and has left me feeling that they offered a fraudulent enticement in order to expand their customer base.
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.
Complaint sub-issue: Problem with personal statement of dispute

I called Equifax in response to their " Notice of Data Breach '' letter. I said that I wanted them to remove my name and identifying info from their data base as a result of the recent criminal breach of this information. The person on the Help Line ( XXXX, from New Mexico, on XXXX at XXXX XXXX ), said he did n't think that could be done. I asked him to check and he said the supervisors he checked with told him that I should go to their website. Their is no information about this on the website. I asked to speak with a supervisor and he said that they would not talk to me. 

SHUT THESE PEOPLE DOWN! It 's bad enough that they XXXX up, but they are totally non-responsive to the same people that they shafted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting actXXXX XXXX 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: Debt was paid

I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.
Complaint sub-issue: Talked to a third party about my debt

Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX XXXX - Letter was sent to and received, by certified mail, to LexisNexis asking their validation process. 

XX/XX/XXXX LexisNexis did not give proper investigation of the bankruptcy or give me their validation process which was demanded. currently showing on my credit report. 

XX/XX/XXXX - Another letter was sent to and received, by certified mail, to LexisNexis asking their validation process again AND stating to them that I never gave written permission to furnish any type of report to anyone. This letter has not been responding to and a bankruptcy is still showing on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well.

Equifax has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax is refusing to delete this information from my credit report.
Complaint sub-issue: Don't agree with fees charged

A student loan obtained by myself in XX/XX/XXXX for a total of {$9000.00} was discharged through bankruptcy in XX/XX/XXXX. Authorized by a federal court and signed by a federal judge. During that period some loan relief was either granted or not granted. My relief was approved. Many years later I was contacted by DOE and told that the judge did not indicate in my BK that a specific hardship would occur without the relief granted. Therefore the judge had no authority to grant my relief. My loan more than quadrupled because of this and I have been paying this balance since the XX/XX/XXXX 's. The loan has been sold to numerous companies over the years and all continue to force one into the consolidation trap. The loan has been paid down from {$37000.00}. 00 to {$18000.00} presently. This should never have happened. Even if my BK was not correct which is nonsensical, I should not have had the burden of paying accrued interest and penalties when my correct legal documents were being rejected. In addition, my loan is well over the 25 year threshold for student loans. I also became a certified XXXX XXXX years which should have been enough to be granted loan forgiveness but I was told that my loan was too old. At no time should I have been made to pay for mistakes made by any judicial entity. Whether or not it was the federal courts or the DOE. None of this was my error.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased an above-ground swimming pool liner from the vendor XXXX for {$790.00} using my Citi issued credit card. 
I received the liner and installed it following the manufacturers instructions. Shortly after the installation the liner was damaged and while investigating the damage, we discovered that the product sent to us was not what was advertised. 

Swimming pool liners are typically sold by thickness, a thicker liner is more durable and more expensive. I purchased a liner that was advertised by XXXX as XXXX thickness because it would have been more durable than the thinner XXXX XXXX  or thinner liners. While investigating the damage, we learned that the manufacturer of this product does not advertise or market their liners as XXXX and that the liner sold to us as XXXX was not XXXX. This meant that the liner was weaker than what i had intended to purchase. 

On XX/XX/XXXX i reached out to the vendor XXXX requesting a replacement of the liner with one that had the thickness i ordered. They assigned me ticket number XXXX and routed me directly to the manufacturer. 

On XX/XX/XXXX, the manufacturer confirmed they would not be able to issue warranty replacement because the product was not defective, but confirmed in writing that they do not sell or market their liners as XXXX. 

On XX/XX/XXXX, i filed my dispute with Citi, requesting chargeback because the item was not as advertised and there was no resolution from the vendor or manufacturer On XX/XX/XXXX, Citi closed my dispute based on reply from the vendor, which incorrectly stated that i had never contacted them about the issue. As mentioned above i had a ticket number from the vendor for this issue. 

On XX/XX/XXXX, I asked Citi to appeal my dispute by providing the requested information that Citi had noted in their communication on XX/XX/XXXX. 

On XX/XX/XXXX, Citi closed my dispute with the comment that i had not provided the requested information, even though i had. The communication said that there would be no further assistance from Citi on this matter. 

I don't think vendors should get away with providing Citi with false information about disputes and then have Citi immediately side with them without any due diligence, nor should vendors be able to sell products with false specifications that the vendor is fully aware of. Thanks for any help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax several times about the inquires and they are not removing even when I sent the FTC and they said it was a glitch and I had to resubmit.. This has happened several times
Complaint sub-issue: Their investigation did not fix an error on your report

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 XXXX XXXX and XXXX XXXX attempted to do a transfer of funds transaction through cash app. We attempted to do the transfer of funds three times. All three times they were declined. At this same time while XXXX was trying to pay XXXX the funds, XXXX was trying to request them. Somehow during the transfer of funds being attempted both ways got mixed up and frozen until both of us could no longer complete the transaction. XXXX XXXX attempted to call this number XXXX, which we thought was for cash app support. At the time of making the phone call when we made the call we talk to a foreign guy. He had XXXX to download an app by the name of XXXX XXXX XXXX XXXX on her mobile device. Once XXXX downloaded the app he was able to hack in her phone through cash app. This allowed XXXX XXXX to send the funds from her account to XXXX account. Instead of the agent sending funds from XXXX account, the funds were sent to someone account in California. He had XXXX XXXX to transfer two amounts. {$720.00} and {$820.00} for a total of {$1500.00}. None of these amounts were received in XXXX account. XXXX  cash tag at the time was $ XXXX. Instead of it being transferred to XXXX cash tag, it was transferred to a cash tag in California by the name of $ XXXX. This was never XXXX  cash app cash tag. After the transaction was completed to his satisfaction, the call was disconnected and there was no longer any communication with the agent. The person who received the funds had the above cash tag, the number was fraudulent and was not a working number for cash app support. The individual who made the transfer of funds was not a working individual for cash app support. These transfers were attempted through deceptive behavior and should be taken action against.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute through discover for the amount of {$490.00} initially on XX/XX/2021 against a merchant ( XXXX XXXX ) that didn't send me the items as received and was scammed. I went through the dispute process with Discover and provided documentation when asked. I was told not to worry about it and was given a temporary credit. It was later reversed a month later and I followed up asking why. They said that they were putting the case through a second review and that the merchant didn't provide valid documentation. Turns out that's all false because the second review sided with the merchant saying the transaction was valid? Dragged out to almost 3 months just for that kind of response?
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I received my reinvestigation back from XXXX, XXXX and Equifax .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ). 

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/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: Was not notified of investigation status or results

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Account information incorrect

XXXX -Multiple FCRA Violations due to inaccurate information regarding account status, dates, payments and balance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : Discover Financial Services Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX
Complaint sub-issue: Received bad information about my loan

I took a loan out with Genesis Lending to attend XXXX XXXX in XXXX, WA and paid it off shortly after graduating. I was told they had been sued and students within a certain time frame were eligible for partial refunds. When I tried to contact them to see if I was eligible for a refund they told me they had no record of my account. What more can I do before contacting a lawyer to pursue a lawsuit?
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial, XXXX XXXX XXXXXXXX, and XXXX. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was part of the Equifax incident in 2017. I received a monitoring service called XXXX XXXX as a result. Over the last several months I received emails from Equifax offering to extend the monitoring service at no cost to me. However, every time I click on their link and enter my information, it just logs me in and doesn't offer a means to proceed. I believe this is an intentional tactic Equifax is using to offer a service and not actually following through with it. I've followed their link several times and done what it asked ( logging in ).  Now I just received a notice of cancellation of XXXX XXXX service. 

I've emailed their email address but receive no reply.
Complaint sub-issue: Information belongs to someone else

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LOANCARE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX Account # 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.