Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Non-sufficient funds and associated fees

I tried to best match my problem with the provided options. My issue is with a checking account promotion rather than the checking account itself. I already had a Citi XXXX Credit Card with Citibank when I was in the market for a checking account. I just happened to log into my online banking account when Promotion XXXX was advertised to me. I did not open this new account only for the promotion, but it was more incentive to open my checking account with Citibank. The promotion stated that if I had a minimum deposit of {$15000.00} in New-to-Citibank Funds by the 20th day of opening the new account and kept them there for an additional 60 days, then I would receive {$400.00} as a cash bonus. 

On XX/XX/XXXX, I received only {$200.00} as a cash bonus despite following the general rules. I opened the account within the promotional period, I deposited New-to-Citibank Funds within 20 days of the account opening, and I maintained the balance for an additional 60 days. I believe I opened the account on or around XX/XX/XXXX. I had more than the minimum requirement of {$15000.00} by XX/XX/XXXX, less than 20 days post opening. My available balance never decreased as I made sure not to withdraw any money from there, only deposit. 

I believe these are the details of my first dispute : Date : XX/XX/XXXX XXXX Subject : Citibank Service Request # XXXX Reference : XXXX It was resolved on XX/XX/XXXX, XXXX. I will attach a scan of the physical copy of the resolution, where they provided their reasoning for only giving me {$200.00}. Basically, they said that my account did not qualify for the full {$400.00} because the deposit of {$3500.00} through XXXX was not qualified. 

I have two issues with this. 1 ) These were still New-to-Citibank Funds despite having been transferred from my personal XXXX  of XXXX checking account ( somewhat irrelevant, but I wanted a new primary checking account for personal reasons that is why I opened one with Citibank when I already had XXXX XXXX. 2 ) That {$3500.00} was in my XXXXXXXX account for less than a day. Originally, I had it in cash and wanted to deposit it into Citibank but the closest branch to me ( XXXX, WA ) was two states away in California. Since I had no physical way of depositing the cash into my new checking account, I thought the next best option was to deposit it into XXXX and XXXX it over, as they should still be considered New-to-Citibank Funds. On the landing page for the promotion, it was not listed that I could not XXXX funds, so it was misleading. 

I believe I opened a second dispute with Citibank on XX/XX/XXXX to try to further explain my situation and how the only reason I XXXX  was because I had no branches near me, but recently I was advised to file a complaint with you and thought it was worth a shot. 

Please let me know if you need any additional information. 

Thank you.
Complaint sub-issue: Account status incorrect

I have multiple accounts paid of or that are well past being closed that I would like cleared off my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, and 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: Information belongs to someone else

There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with XXXX children. 
Please help Thank you
Complaint sub-issue: Account information incorrect

Applied for a Business loan at XXXX XXXX, XXXX XXXX claims that Equifax provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at Equifax to provide an explanation and XXXX XXXX will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. XXXX XXXX should also provide supporting documents for their claim.
Complaint sub-issue: Billing problem

If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Complaint sub-issue: Debt was paid

We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?
Complaint sub-issue: Information belongs to someone else

Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX in the amount of {$140.00} is being reported onto my account and i have no idea who or what this account is for. I have reached out to XXXX  and they have informed me that this account has been closed and should not be reporting onto my credit file. Yet Equifax  still continues to report information that is a direct result of identity theft. XXXX or XXXX the company they represent has never contacted me about this fraudulent debt not given me the chance to dispute the validity of the account. I have ask XXXX  and XXXX to send me all copies of records relating to this account yet that cant provide it to me so how in the heck are you verifying it Equifax? Please delete or block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Complaint sub-issue: Billing dispute for services

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Complaint sub-issue: Problem using a debit or ATM card

I made a purchase using my debt card through the internet with a XXXX Supplier, The product I received was defective and broken. I tried to contact the XXXX supplier but the dispute form was blocked and was unable to directly file a dispute report, I have since filed with many government agencies and have required the bank to hold funds or reverse payment. I have not received a credit from the bank and when I call they tell me the dispute is in-process, mean time I still have n't received any credit and I am also out of an interest, seems all parties involved are stalling or delaying payment and are n't planning to pay interest. When I received my debt card I was told it cover fraud and misrepresentation of services / product. 


Contacted : US Bank Amount {$26.00} plus interest ( 19.99 % APR ) transaction date : XX/XX/2017
Complaint sub-issue: Debt is not yours

THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : AFNI, INC # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of AFNI INC XXXX XXXX  XXXX, XXXX IL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE AFNI, INC # XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter from Equifax on XX/XX/2109, stating that based on the contents of my Equifax credit file as of XX/XX/2019, my credit score is unavailable. I still have no valid current Equifax Credit Score. This is unacceptable and MUST be addressed immediately. I then called Equifax Customer Service and spoke to a supervisor named XXXX around XXXX XXXX. She stated her employee ID was XXXX. Despite answering a series of questions correctly, she refused to confirm my identity and was very unhelpful. Nothing was resolved. Finally, despite the enclosed confirmation from Equifax that they changed my name to XXXX XXXX, I continue to receive correspondence in my maiden name, XXXX XXXX. This is more than unacceptable. We also tried filing a complaint with the Federal Trade Commission. We will follow through once the government is funded. We have filed a complainant with the XXXX XXXX XXXX as well.
Complaint sub-issue: Information is not mine

I have sent Equifax numerous requests to investigate and remove inquiries from my credit report that were not initiated by me and they are not responding.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights.
Complaint sub-issue: Other problem getting your report or credit score

I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.
Complaint sub-issue: Account information incorrect

I have tried to fix this with XXXX XXXX  4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXX XXXX  that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXX XXXX  on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not do a proper investigation when XXXX and XXXX did. Equifx just verify informtion instead of properly doing the investigation. Several items were deleted from XXXX and XXXX but equifax continue to report this information wothout providing validation.
Complaint sub-issue: Account information incorrect

I had to renew my home mortgage, they showed a debit with XXXX XXXX. 
This debit I did not make and has no place on my credit score. 
I believe cfpb has already addressed this account if not I have no knowledge of it.
Complaint sub-issue: Account status

I get an account report with Equifax , XXXX and XXXX showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I opened up a Discover Bank Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Discover Bank credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Discover Bank but all Discover Bank did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Complaint sub-issue: Old information reappears or never goes away

XXXX have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help. 
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has not written to me with the results of investigation about account- I've disputed for well over 6 months. 
I called Equifax and still using telephone hold on switching back and forth with me to different people. 
My credit score and employment opportunity has been harshly affected. 
Equifax also violated my FCRA Rights and I was included in the Breach Settlement when I typed in my Social. Security number but haven't received any monetary or 10 years of free credit monitoring or 7 years of free identify restoration services or 6 free Equifax Credit Reports during a 12 month period.

On my credit report with notification I am a Victim of Identity Theft with my police report faxed to Equifax .Federal Cares Act stated that because of the pandemic that credit bureaus must not report the negative items that hurt my buying power while I contacted my debtors as Federal Law stated I do. Therefore, I went beyond that I'm doing a lot to keep the certain bills I made to pay them on time. 
This Credit Bureau Equifax has not been delivered to me any results of several disputes of this same Alledged XXXX debt after 30 days. While still using deceptive practices and removing this error while been investigated and deleting this error off permanently.

This has caused me to loose jobs, contracts, board seats and financing because of Equifax 's non- transparency to immediately remove this item from my credit report. 
The hurt it has caused my good name before and especially during this Pandemic is more than anyone must bare. Equifax refused to remove this only negatively harmful item maliciously and willfully denying my credit rights.
Complaint sub-issue: Debt resulted from identity theft

I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family. I have medical insurance through my provider of 7 years and never visited this XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Within the last few weeks I've been having a lot of issues with PNC Financial Institution. There have been three separate incidents that have caused me to think that this corporation may not be as reputable as I once thought. My first two issues were temporarily resolved however, this last transaction dispute that I've had with them is the absolute deal breaker. An ACH debit was processed in the amount of {$700.00} on XX/XX/2018 which caused my account to overdraw in the amount of $ XXXX. I was correctly accessed a {$36.00} fee, bringing the balance to XXXX. There were three separate deposits of {$240.00}, {$30.00} and {$2.00} were made on XX/XX/2018. There were then 5 other transactions that went through for a total amount of {$45.00}. Another deposit of {$450.00} was then transferred to the account. The deposit was made at XXXX eastern time which is in fact prior to PNC XXXX XXXX deadline for a deposit to avoid insufficient fees. At XXXX on XX/XX/2018 my account had {$0.00} available as a result of the deposits and transactions throughout the day. On XX/XX/2018 I was accessed two more {$36.00} fees. The {$450.00} deposit that was made on XX/XX/2018 was showing as pending. It has been told to me in the past that if the deposit is " pending '' it is still showing in your account which should prevent from receiving fees. I have reason to believe that PNC bank is scamming their consumers by adding inaccurate fees. Please see my attached documentation that which reflects the each transactions including the deposits. In addition, it has also been told to me by a PNC rep and branch manager that their system is reflects differently than that of which the consumer is able to see via their online or mobile banking. That is unethical because consumers are misled to believe that there accounts are in good standing only to be inundated with fees.
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED EQUIFAX AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE MEDICAL AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING MY MEDICAL RECORDS TO BE RELEASED THEREFORE THE COMPANIES WOULD BE IN COMPLETE VIOLATION OF HIPPA AND SO WOULD YOU. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed.