Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

I signed up for the Citi AADvantage Mile up card in XX/XX/XXXX. They had a bonus offer that they emailed on XX/XX/XXXX, with XXXX miles and XXXX dollars in statement credit, as well as a promotional introductory APR. While I had the APR applied, the XXXX dollar statement credit and the introductory XXXX bonus miles were never given to me. I called in XX/XX/XXXX to inform them that my new bonus had not come in my account and they said, this offer was available only to those opening a new account. I told them, this was a new account that came with a 0 % APR, which was applied, but not the other 2 offers that were also there, which included the XXXX Bonus miles and XXXX dollar statement credit. They refused to issue the credit. I called again in XX/XX/XXXX, and citi again declined my request. I would have not applied for this card had those offers not been there and they have refused to honor what was advertised when I applied for this card. I have gone back and forth with citi and they still stay this was not a new card, but how can I get an email about having an application approved if I didn't get the new card? Citi is engaging in illegal and fraudulent behavior by promising their customers with new offer bonuses, but not delivering them. This is cheating customers, especially because I have been with citi for such a long time. You can see from my XX/XX/XXXX statement that a promotional interest was on there, and this is only for new card members and I had met the XXXX dollar minimum at that point to get my XXXX miles and XXXX dollar statement credit. Citi 's system obviously did not give me the bonus offer that I was entitled to, but citi has refused to honor their request and are cheating me out of the rewards I signed up for.
Complaint sub-issue: Debt is not yours

Enhanced Recovery Company is illegally reporting on my credit bureaus under their own name as opposed to the name of the original creditor in violations of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 

They were notified of their illegal actions XX/XX/XXXX. They removed their listing from my credit report XX/XX/XXXX. 

In XX/XX/XXXX they reinserted their listing without my permission in violation of the FCRA. The I sent them a 93A Demand notice XX/XX/XXXX informing them of their illegal reporting, re-insertion requesting the removal from my credit report and requesting full validation of their claim ( including Proof of Assignment the contract showing they purchased the alleged debt ). 

On XX/XX/XXXX they replied with statements from a different creditor only. However, their validation failed to show that they owned the account or that I owed them a debt in anyway. Their reply also in no way recognized the fact that they are continuing to violate federal and state law in attempts to collect upon this debt illegally.
Complaint sub-issue: Information belongs to someone else

cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I contacted Sallie Mae. I was out of the country and am at a new job where I was having payroll issues. I contacted them asking for advice. I was informed that there was no help online and that I needed to contact repayment center by phone. I didnt do this as I was able to sort my payroll out before being charged any fees. A couple of days later I was informed that my forbearance was rejected. I never applied for one and do not feel comfortable being applied for forbearance without my consent as this could damage my record when it comes to releasing my co-signers. I asked for them to rectify the situation and send me a letter taking back my forbearance request. My co-signers were very angry as they thought I applied without their consent. I was supposed to receive a letter. I asked when I would know the status and the agent then informed me it would be sent no matter what. After 2 weeks I contacted them to be informed my letter was rejected, the customer service rep was very unhelpful and kept telling me that since I wasnt on forbearance it didnt matter. I asked her to escalate the situation and instead she just kept saying that I didnt contact them to get forbearance. Overall it seems like the company does not care about any of their shady practices because they are just too big to fail. I want a letter of apology to be sent out and any mention of me applying for forbearance to be erased from XX/XX/XXXX because it is a lie.
Complaint sub-issue: Information belongs to someone else

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that the following Consumer Reporting Agencies have willfully and knowingly broke Federal Law, XXXX Information XXXX, Equifax Information Services, XXXX XXXX, I am aware that XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all party ( s ) mentioned are committing FRAUD. This is a racketeering Act, these companies get paid to furnish Consumers information and trade on our name. 
All party ( s ) mentioned shall be fined and imprisoned because Ive submitted an FTC Identity Theft Report and made it very CLEAR that XXXX XXXX XXXX is committing FRAUD and yet all 3 Consumer Reporting Agencys willfully and knowingly violating the law and failed to DELETE such FRAUD account from my Consumer Report. 

All party ( s ) mentioned shall be fined for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft -and imprisoned for 5 years. 

Ive even have proof that the Consumer Reporting Agencys willfully and knowingly broke the because I sent my hand written instructions pursuant 15USC 1681b ( a ) ( 2 ) dated on XX/XX/2022, and ALL 3 Consumer Reporting Agencys did not comply with an Consumer written instructions according to the Fair Credit Reporting Act law. 

All party ( s ) mentioned shall be fined under XXXX XXXX for {$100000.00} ( Per Violation ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I AM VICTIM OF IDENTITY THEFT, THERE ARE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor FedLoan reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!
Complaint sub-issue: Their investigation did not fix an error on your report

We are consumer whom purchased XXXX vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using Equifax and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the XXXX from their XXXX. We are needing our credit and our scores not a run around as we have experienced. Equifax is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing Equifax and XXXX  credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,
Complaint sub-issue: Funds not received from closed account

We closed our account on XX/XX/XXXX over the phone. We were told we would receive our funds, {$51.00}, by check in the mail. The check never arrived. 

On XX/XX/XXXX I called the US bank customer service line to let them know we have not received our funds and to request them. I was told to wait 90 days to get the check in the mail. 

In XX/XX/XXXX I visited a local branch and spoke to a US Bank client consultant who said he was goint to investigate an get back to me. He called me back about a week later to tell me he was unable to help me and that I should call the customer service line or wait the 90 days. I never received the check. 

On XX/XX/XXXX I called the US Bank customer service line. The agent could not give me any information regarding our funds, nor could find any information that a check was issue to us. After being transferred back and forth to diferent agents, finally a representative opened a claim for me and said I would get a response withing 10 business days. I never got a response. 

On XX/XX/XXXX I called to inquire about my claim. I was transferred and nobody could give me any information on the status of my claim. I was told someone will call me back, but nobody did. 

On XX/XX/XXXX I called again to inquire about my claim. I was told the system was down and was transferred to another line. No one picked it up, so after several minutes I hung up. 

I called a local US Bank branch to make an appointment to speak to a manager. They told me an appointment was not necessary, they will send an email to US Bank on my behalf.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 2 years, I have disputed the same account with XXXX and either they refuse to dispute it, refuse to provide me with the documentation they received to verify the account is reporting correctly, or refuse to explain to me what was updated when the information is the exact same as it was before the dispute. I have contacted the company directly and have submitted to XXXX the documentation received and XXXX will not use it from the company. The most recent dispute was not updated because XXXX just took the same information from the last dispute and applied it to this one. This account has been paid in full and paid satisfactorily, however, XXXX won't reflect that in the reporting and this error is causing me credit issues : I have also advised XXXX that the company is reporting my name incorrectly as well. The agent said, " it is a mispelling, not an inaccuracy ''. I advised the agent, according to the FCRA, all information must be reported accurately and a mispelling is an inaccuracy. 
Results Report Number : XXXX Date Generated : XXXX XXXX, XXXX US DEPT OF EDXXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose US DEPT OF EDXXXX Account Name XXXX Account Number Education Account Type Individual Responsibility XX/XX/XXXX Date Opened Transferred, closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$11000.00} Original Balance {$0.00} Highest Balance NA Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX  Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Complaint sub-issue: Inadequate help over the phone

On XXXX XXXX, XXXX I came to your dealership to test drive a XXXX XXXX. I had no intentions on buying a vehicle but I did eventually buy a XXXX XXXX XXXX. My sales person was XXXX XXXX XXXX XXXX, XXXX. I specifically told XXXX XXXX if their ( XXXX XXXX XXXX XXXX ) could not finance the vehicle for me, then I will not pursue getting the vehicle and do n't run my credit with any other financial institutions because that will drop my credit score. Because I did not authorize these inquiries I ask Equifax , XXXX and XXXX to remove them and I was told to contact XXXX XXXX XXXX and have get in touch with them to remove those inquiries. So, I wrote a certified letter to XXXX XXXX XXXX asking them to have those inquiries removed and I have n't heard from them and the inquiries are still impacting my credit score.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On  XXXX   XXXX ,  XXXX  I contacted Citibank in order to dispute a charge from  XXXX  on  XXXX / XXXX / XXXX  in the amount of {$330.00}  XXXX   XXXX  ). The charge was for a flight that was booked online. I did not know until I received the confirmation, just before the flight, that  XXXX  booked the flight to the wrong airport.  ( T wo airports had the same name, one was in  XXXX , the other was in  XXXX   XXXX . ) I had contacted  Citibank  on  XXXX / XXXX / XXXX  because I had all the paperwork together and wanted to write to Citibank to dispute the  XXXX  charge. The person who answered Citibank phone for disputes said they would NOT give me the address to write to at that time with my dispute, but would take the information over the phone. I argued that I needed the ADDRESS for the billing disputes department because I would not have time later to write the letter and wanted to protect my rights. They refused to provide me with the mailing address of the disputes department.     Instead, they wanted to verbally gather a considerable amount of information regarding the nature of the dispute, assuring me that they could work with it. Despite my repeated objections to wanting the actual address to write, it was not given to me. I was going out of town.      Citibank  subsequently mailed me a letter requesting information that was already provided on the phone.     I called  Citibank  today. They do not know why they had previously refused to provide me with the address of the dispute department. They also do not have the information that the person had taken over the phone collected anywhere in their documentation, ( So all they did was waste my time taking it. ) They tell me it is now too late to dispute the claim.
Complaint sub-issue: Information belongs to someone else

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX  XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the XXXX XXXX account numerous times in the past with Equifax. As this account is not mine. And every time Equifax return the Dispute as verified without any proof of a proper investigation. I want to know how Equifax was able to prove an account that I have no recognition of as mine? This XXXX XXXX account has been on my credit files for years. The other two credit agencies had no problem removing this account. Because they were unable to verify it was mine. But Equifax keeps returning my Dispute back as verified. I tried calling XXXX XXXX but they were on able to give me information on the account. Because I was unable to verify the account information. Equifax needs to show proof of their investigation and how they were able to prove this account was mine.
Complaint sub-issue: Problem accessing account

There's more to the story but this is the gist of it my ex-boyfriend has went into my cash app and changed all my cash-up information to his information and has logged me out of it log me out of my new cash app and has blackmail me to do this and I have proof showing that
Complaint sub-issue: Talked to a third-party about your debt

I tried applying for an apartment this month. I got denied for this apartment because of a collection that is almost 7 years old and was disputed for misinformation and closed approximately 2 years ago but the apartment complex I applied for said it still showed up. They said to contact the debt collector and see what was going on. When I did this I spoke with a gentleman and explained to him this was closed due to misinformation. He proceeded to tell me that he contacted the other party of the debt ( my roommate ) and verified MY DEBT so now it will be reopened and back on my credit. He then asked for my mailing address and I denied this and hung up. Approximately 2 weeks later ( today XX/XX/22 I receive a letter for them attempting to collect the debt once again and saying I need to send information for my reasoning for disputing it. It was already disputed and taken off! And how did they/why did they get my mailing address to harass me more. I asked them 5+ years ago to leave me alone. This is very unacceptable to me, especially verifying my debt with a third party that has absolutely no say in this as they owed this debt too and just never disputed it. They also raised the debt by {$2000.00} once they obtained it from the original creditor and I believe that is illegal as it was damages and should not have gone up that much for any reason.
Complaint sub-issue: Public record

I have a tax lien on my Equifax credit report that is being reported incorrectly. Despite several letters to Equifax and today, a phone call to them, they continue to state that the information is being reported correctly and they have validated this with the Internal Revenue Service. I have done a lot of research and know that the the credit bureaus must comply with the Fair Credit Reporting Act as follows : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. " Since I know from the IRS ' website that they do not validate information with credit bureaus, I do not understand how Equifax can repeatedly tell me that the information is validated. It seems to me that they must prove that they are reporting correctly or delete the tx lien. FYI : Both XXXX and XXXX have deleted the tax lien due to the following '' We are unable to validate that the information on your credit report is correct and have removed the tax lien ''. 
It is really disturbing that credit bureaus seems to be able to do whatever they want as in my phone call to them today where I spoke to XXXX different representatives from Equifax. The first person stated when I asked if she was aware that they have to operate as set forth by the Fair Credit Reporting Act : " XXXX has our own rules for operating and we do not follow that act '', and then when I spoke to a person in their Executive Consumer Service Department she plainly stated several times that the accurateness of the tax lien was validated both in XX/XX/XXXX and XX/XX/XXXX when I sent them letters. When I asked how she backtracked and said she did not mean validates ... ... they just looked at the original document from 2009 and what 's on our credit report appears to be correct.