Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

While travelling in XXXX on XX/XX/2022 I received a notification from the Citi app on my phone alerting me of potential fraud. The card in question was not on my person in XXXX -- I had left it at home because I never use it. 

There were 4 charges at 4 different vendors in XXXX and XXXX XXXX, Oregon. XXXX  XXXX for {$36.00}, XXXX XXXX for {$39.00}, XXXX & XXXX for {$82.00}, and XXXX XXXX for {$180.00}. 

I marked the charges as fraudulent and cancelled the card. I also called a friend to go to my apartment in XXXX and check that my apartment hadn't been broken into and the card stolen. There was no break in. 

Weeks later I saw that the charges still had not been refunded and that an investigation was still underway. On XX/XX/XXXX I called Citi to reach the fraud department. I was asked questions about what had happened and I explained the above situation to them. On XX/XX/XXXX I received a letter in the mail marked XX/XX/XXXX from Citi stating that they did not consider the charges to be fraudulent and that I was now liable for {$340.00}, and threatening that if I am past due that they may report my account to credit collectors. I have had this card open for years and have never even been late on a payment.
Complaint sub-issue: Information belongs to someone else

The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( Equifax XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir or Madam/To Whom It May Concern, Please be advised that I have filed several complaints since late XX/XX/2018 with the CFPB ( Consumer Financial Protection Bureau ) regarding the improper investigation ( s ) of negative credit item ( s ) on my Equifax credit file. 

On several dates since XX/XX/2018, through the CFPB complaint filing system, I requested that inaccurate/erroneous items that were illegally being reported to my credit file with your agency be deleted. You refused to do so and claimed to have verified these items. I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter. You failed to provide me with that information and again failed to delete the negative items. I am again requesting it be deleted. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with the CFPB. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SST # XXXX I am again attaching the newest documents and older documents from two previous FDCPA requests of debt validation. Again, no contract or evidence of personal liability to XXXX XXXX. Only the corporation is liable for the debt and not the individual. Reapplying this false information to my personal credit file is a violation of the FCRA. 

Thank you, Dr. XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX, and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

A debt for {$560.00} reported by allied interstate to all credit bureaus for XXXX XXXX for equipment and bill. 
I sent all equipment to XXXX and paid last bill here is the proof from the us postal office and XXXX XXXX paid bill
Complaint sub-issue: Their investigation did not fix an error on your report

I have created a complaint, sent out letters, supplied my proof and still received notification from the company that the information was verified by XXXX XXXX. I have attached a copy of my confirmation from XXXX XXXX that they are NOT to share my information dated in XXXX but Equifax has a letter dated XX/XX/XXXX that was their method of verification.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because   XXXX   has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Debt is not yours

On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX XXXX  credit card number XXXX apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX XXXX saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX instead XXXX XXXX, I also found out that XXXX XXXX is owned by XXXX and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank. Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' XXXX instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX 's NOTE : I have paid my balance with late fees to XXXX  which is XXXX dollars, my desputing is with XXXX XXXX wrong claim of {$730.00}
Complaint sub-issue: Information belongs to someone else

zip codes that were deleted was never there to begin with : FCRA violations names and address not mine : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Complaint sub-issue: Didn't receive terms that were advertised

XXXX - I applied online for a new checking account. There was a non-targeted, public promotion on the Citi webpage for a tiered bonus. {$200.00} bonus if {$5000.00} was deposited in Basic Banking Checking and maintained for 60 days. Bonus would be posted 90 days after terms were met. 
XXXX - Citi opened new checking account XXXX - I deposited {$5000.00} into Citi Checking XXXX - 60 days of balance over {$5000.00} was met XXXX - 90 days after term was met XXXX - I contacted Citi via Messaging on Citi app and was told I met the conditions and would see the bonus post in 5-7 business days XXXX - Citi sent a notice XXXX that they did not find any promotion tied to my account : Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. 
XXXX - I contacted Citi via Customer Service phone # and explained that I clicked through the " Apply Now '' promotional landing page and was never provided nor had to enter any promo code in the account application process. The Rep said she would add a provisional credit and attach a placeholder promo code she found on her end to the inquiry for a second request for bonus. I did not provide any promo code information as it was not provided nor necessary to open the account. 
XXXX - provisional $ credit was added by Citi to checking account XXXX - Citi sent a notice XXXX that my account was not linked to the promo code their Rep added to the inquiry. 
XXXX - Citi debited back the {$200.00} XXXX - I called Citi again and asked for escalation to my issue, re-explaining that I clicked on a link from their main home page for the bonus and have no code to provide them. No bonus has been added to my account since then. 

______After some research online I see that other customers were experiencing the same issues - being denied a bonus that they met the terms for only to be told by Citi that they now need to provide a promo code months after the customer fulfilled their end and/or that only targeted bonuses were available at that time, neither of which is true. 

______Citi currently has a generic public link on their banking home page as they always do. The {$200.00} bonus promotion has changed to a new promotion so the generic link for the tiered bonus at that time is no longer valid. Numerous finance blogs highlighted this promotion, all with the same terms outlined : -- This offer is valid XX/XX/XXXX XX/XX/XXXX -- Within 30 days of opening your account, deposit {$5000.00} in New-to-Citibank funds into the new checking account. 
-- Maintain a minimum balance of {$5000.00} for 60 consecutive calendar days. 
-- You will receive your cash bonus within 90 days after you complete the required activities. 

______These links may have been related to this promotion but no longer work on the consumer end : - https : //banking.citi.com/cbol/checking-tiered-offer/ - https : //banking.citi.com/cbol/checking-tiered-offer/default.htm? XXXX & XXXX XXXX_Thank you for your assistance!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not reporting my home mortgage correctly on my credit report. They are indicate that home mortgage account is " Closed ''. The bank that carries my mortgage " XXXX XXXX XXXX XXXX XXXX   '' did not report my information correctly to three credit bureau after the completion of Chapter XXXX. My mortgage company has corrected this issue. They submitted this information to all ( 3 ) XXXX, XXXX and Equifax. XXXX  and XXXX have already made the corrections to my credit report. I have spoke with Equifax numerous time over the last two months with no resolution. My last conversation with Equifax was on Friday XX/XX/19. It was due to I could not access their online dispute action center for status of my claim. I tried work out over phone, but got know where with them except frustrated and upset. They ask me to submit a 4th dispute by Fax, which I did on Friday XX/XX/19. I would have to say this has been my worst experience ever deal with a company and their representatives. Dealing with XXXX and XXXX was pleasant experience. I see online that Equifax have had over 1000 complaints for similar issues to my.
Complaint sub-issue: Account status incorrect

- Nelnet accounts show late even though I have proof from Nelnet that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and XXXX  but they've done nothing to update this - Nelnet account shows my full balance owed on the account but I've already fully paid and closed out the account
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt is not mine

AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. 
My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. 
In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. 
This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?
Complaint sub-issue: Debt is not yours

Upon checking my credit file I saw this company enhanced recovery ( ERC ) that I have never done business with about a alleged debt that is not mine. They have never contacted me nor provided me with legal documentation about this debt. Please remove from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Was not notified of investigation status or results

I've asked XXXX and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY LEXISNEXIS or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did LEXISNEXIS and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!
Complaint sub-issue: Funds not received from closed account

I opened a citi checking account online on XX/XX/2022 after receiving a promotion letter from Citibank. The promotion letter stated that I would earn {$200.00} to {$2000.00} cash bonus if I deposited {$10000.00} to {$300000.00} to the account within 20 days of account opening. By XX/XX/2022, I had successfully deposited {$11000.00} into the account through bank to bank transfers from my accounts with XXXX and XXXX. However, on XX/XX/2022 I was informed by email from Citibank that my account would automatically close within 60 days. I called Citibank 's fraud department for the reason but the representative could not provide any. I visited the local branch of Citibank near my home several times to seek help but the banker over there could not help much either. The banker checked my XXXX bank statement showing the record of fund transfers and also sent it to the Citibank 's fraud department. Up to today ( XX/XX/2022 ), my {$11000.00} is still being held by Citibank.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  )
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The insurance premium on my XXXX XXXX XXXX XXXX policy on a second home is going up 15 % based upon a score of XXXX ( out of XXXX ) provided by LexisNexis Risk Solutions XXXX Inc., which is both arbitrary and capricious under the surrounding circumstances. E.g., my XXXX   credit score based on the same or similar information used by LexisNexis is a XXXX ( out of XXXX ), or 97.4 % of the highest available score. By comparison, my insurance score should be about XXXX, not XXXX. Further, each of the four primary factors cited in the XXXX XX/XX/2020 letter from XXXX XXXX as the reason for the " insurance score '' that resulted in the adverse action letter ( and a bill for a 15 % higher annual premium ) is arbitrary and unreasonable both on its face and under my individual or joint financial circumstances, particularly the 2 reasons cited that relate to LexisNexis ' own apparent ignorance and/or lack of information ( Codes 0909 and 0911 relating to " INSUFFICIENT INFORMATION ON DEPARTMENT STORE ACCOUNTS '' [ and ] " PERSONAL FINANCE ACCOUNTS '' ). I tried to directly contact LexisNexis at the toll free phone number provided by XXXX XXXX on Monday XXXX XX/XX/2020 to dispute the inaccurate information and " insufficient information '' bases of the score, but was only able to request a report ( which I had already requested on-line ). My repeated attempts to reach an agent or representative were not recognized by the AI system available via the toll free number.
Complaint sub-issue: Account information incorrect

I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX/XXXX ( XXXX ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX XXXX XXXX- I have one account not ten XXXX XXXXl accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

The ACIMA appears to be a charge-off account with a specific balance of {$5700.00}. The information itself is already an error because a charge-off account should have NO balance. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Complaint sub-issue: Personal information

Please update my credit report to reflect the following and delete the old information as requested