Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I visited CitiBank branch in XXXX XXXX, CA to downgrade my Priority account to Basic account in order to prevent any monthly service fee. The branch manager helped me to change my account from XXXXXXXX XXXX XXXXXXXX package. At the same time, she showed me the promotion flyer ( see attachment ) and said the promotion was eligible for any customers including XXXX account. Also, the promotion flyer indicates that any new or existing customers were eligible to offer. 

I accepted the promotion offer and the branch manager helped me to open a saving account on XX/XX/XXXX, and a new money {$250000.00} new deposited on XX/XX/XXXX. 

Since my online banking account ( transfer money from ) does not offer check books, I worried about any loss risk if transferred a big amount {$250000.00} to the new saving account electronically so I deposited the new money {$250000.00} to my exisiting checking account which I've made many transcations successfully on XX/XX/XXXX and then transferred to the new open saving account on the same day. 

I followed the promotion requirement to maintained the balance {$250000.00} over 60 days but did not receive the cash bonus {$670.00}. I visited and asked the branch office to submit the promotion dispute twice in XXXX and XX/XX/XXXX but got the same responses of that I am the basic account package customer not eligible for the promotion. 

On XX/XX/XXXX, I contacted Citibank and they opened my case again and asked to mail any supporting documents including the promotion flyer, account transactions, .. etc. I mailed them on XX/XX/XXXX. I waited but did not get any resonse so I called Citibank on XX/XX/XXXX and they said the same feedback and my case was closed. I spent over 3 months but Citibank still refused to pay me the cash bonus {$670.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am requesting Exquifax 's method of verification *description of reinvestigation procedure* used to determine the accuracy and completeness of the information, along with the business name, address and telephone number of the furnishers in accordance with 15 USC 1681i ( a ) ( 7 ) for the accounts within your Reinvestigation Letter Confirmation # XXXX dated XX/XX/2021.
Complaint sub-issue: Debt was result of identity theft

I first noticed my identity was stolen in 2019 when I started receiving mail and phone calls for from various companies claiming that I owe them money, I have never really been big on my credit and haven't ever really paid attention to it until now because I am becoming older would like to have great credit I cant because all the negative accounts some thief left me with. This whole ordeal has been a nightmare. I have filed police reports with my local police department, I have also contacted all parties involved with no help from anyone no one seems to care. I have even contacted the different credit reporting agencies ( IE ) Equifax, XXXX, and XXXX to no avail. These thieves have XXXX  of dollars worth of debt in my name attached to my credit reports, I would love to have all responsible parties involved to be held accountable. and for the credit reporting agencies to delete all the negative accounts and collections from my report so this nightmare can over. The negative accounts include XXXX for XXXX, XXXX   for XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX and XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX  for XXXX, XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX, US Department of Ed for numerous amounts. The list goes on I will attach separate documents with my complaint.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft due to an equifax credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiry made without my knowledge or consent XXXX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT XXXXXXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : Equifax I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 

However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to Equifax, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There is an account that isn't mine, and inquiries weren't authorized.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Signed up with Helbing Law Group for debt consolidation on XX/XX/2019. Made XXXX  monthly payments of {$540.00}, XXXX payments of {$830.00} and a legal fee of {$370.00}. I have been summoned to court both credit card companies. I learned today that Helbing never contacted XXXX XXXX XXXX on my behalf. I received an email from XXXX XXXX stating that I have an account balance of {$13000.00} and that I will need to pay them another {$14000.00}. XXXX also stated that my settlement amounts are XXXX XXXX and XXXX XXXX He never contacted the creditors on my behalf. I also had to pay the legal fee for representation to another creditor because they wanted to take my home. I am asking for assistance to get my {$22.00}, XXXX back from Helbing Law Group. I have sent emails and call everyday with no response. I have been advised by XXXX attorneys to contact you and I also filed a complaint with the Attorney Registration and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently contacted equifax and XXXX & alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax sent a letter dated XX/XX/2021, it states that the results of your investigation of XXXX XXXX XXXX was verified as accurate by XXXX, however XXXX has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that XXXX verified this as " accurate '' according to the investigation letter from XXXX has evidenced the contrary. Therefore I have requested for Equifax to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, Equifax uses XXXX to verify the bankrupcty, XXXX says to me it has been removed because unable to verify, I inform Equifax of such in a dispute to Equifax and Equifax is defiant in removing it because they allege XXXX verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if Equifax is stating that XXXX XXXX verified the bankruptcy as accurate so then why did XXXX SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that Equifax obtain my records and or documentation from XXXX proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here Equifax has failed to do so. XXXX is reporting one story to me and or another story to Equifax. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from XXXX stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.
Complaint sub-issue: Reporting company used your report improperly

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 XXXX XXXX XXXX : Account Name : XXXX XXXXXXXX Acct Number : XXXX, Account Name : XXXX XXXX, XXXX Acct Number : # # # # # # XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXXXXXX XXXX Acct Number : XXXX, Account Name : XXXX Acct XXXX : XXXX, Account Name : XXXX XXXXXXXX XXXX Number : XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : # # # # # # # # # # # # # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.
Complaint sub-issue: Debt was paid

I left XXXX XXXX XXXX XXXXXXXX XXXX, an apartment complex in XXXX, VA some months back. I figured there might be some balance due. At the time, provided forwarding information by email and return phone call. I heard nothing for several months. Then I began receiving repeated calls from " The office of Hunter Warfield ''. They call using a variety of 8xx numbers, and do not leave a message. When I have answered and spoke to them, the have a long introduction that makes them sound like a federal agency. 

However, in my specific case, they start off about collecting a debt after numerous attempts to contact me. After some questions, I find they have been sending letters to an address I am not at. I give them a proper address for postal mail and an email address. I receive nothing from them at either the postal or email. 

And then I receive another phone call. Same speil. 

So today I called the leasing office to ask what is the deal. And I find that I have a XXXX balance!! There is no reason for Hunter Warfield to be calling me. 

As a certified communications engineer, I consider this to be harassments and fraud by telephone, across state lines, which is a felony under FCC rules. Any further calls or other communication from this firm will be handed over to the FCC and Attorneys General of  Virginia and Tennessee, along with alerts to the media for suitable judicial action. 

Do not harass me by phone and commit fraud trying to collect a debt I do not owe. 

A XXXX Search shows Hunter Warfield at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX It appears to me that the landlord is not the problem, but the collection agency is.
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, Equifax took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that also should be deleted for unlawfully verifying entries that they know to be false.
Complaint sub-issue: Debt is not yours

Amount was paid in full in XX/XX/2020. A representative of the debtor concern acknowledged same. Collection agency has reported this incorrect information 5 different times, XXXX, XXXX, XXXX, XXXX, & XXXX to credit bureaus thus dropping my score with each submission
Complaint sub-issue: Public record

well I went on karma credit .com to check my credit report, and I seen on it that they had a judgement against me saying that I owe a balance of XXXX.well That 's the frist of every seeing that on my credit report. I have no knowledge of this credit person named XXXX : I do n't know who this person is, and of course I surely do n't owe anyone The Balance of XXXX so That 's why I 'm disputeing this on my credit report. I would like this removed off my credit report, as soon as poosible.because I do n't have any knowledge of this said account. thank you. XXXX
Complaint sub-issue: Problem with statement of dispute

I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from XXXX/EquiFax with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living Human Being. I have rights under 15 USC 1681. EQUIFAX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts. Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Complaint sub-issue: Account status incorrect

My credit report is showing my upstart loan as open with a balance. 
This account has been fully paid and closed. Please adjust and correct this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Reporting company used your report improperly

I informed Lexis Nexis to suppress ALL person information and information included in the C.L.U.E . report. I notified them by certified mail, however my information is still being accessed by third party and is still available to telemarketing and various other entities.

As it is my RIGHT, this information is not available to anyone without my written consent.

I was a victim of fraud and data breach. This information belong to me. Lexis Nexis has no right to provide without my person.
Complaint sub-issue: Problem using a debit or ATM card

Hi, I sent back 4 different items on the XXXX of XXXX, and on the XXXX of XXXX, the items arrived at XXXX facility. Then on the XXXX of XXXX, only 1 item was refunded. I have done many returns with XXXX, so there was no issue on my end. Returns are simple, but XXXX has made them very difficult for me because I return many items I am not satisfied with. That is their return policy. I contacted many different chat agents, including supervisors who refused to do anything to help me when I noticed the issue. They kept telling me to wait 7 days after they received the items. Then after that, they started telling me to wait 14 days after they received the items. At this point, I gave up and decided to dispute the issue with my bank. My bank known as XXXX is making me jump through hoops to try to get this refunded after I explained everything to them and gave them the information requested by email, and even added pictures of the items boxed together before I returned them. While I was busy with 3 different jobs, I had planned to send XXXX that info, and in about 6 days, I had not sent the info, and XXXX  seemed upset that I had not replied back yet. I explained my work situation, and now XXXX has not been handling the situation quickly after I got back to them with the info they needed. Instead, they have taken around 6 or 7 days to send one reply by email. This reply stated " so you are waiting on the refund of XXXX, correct ''? I then replied back with " yes ''. And they have not responded in over a week. Soon after, I noticed a letter in the mail requesting me to fill out some paper asking for most of the same info I already gave them through email. This time, they are asking me to go through the trouble of mailing back out the paper they sent me. I had a dispute with another card company of mine, and even XXXX awhile back, and neither of them treated me this unfairly as XXXXy has. I have given XXXX  way more than I ever had to give my other card companies when it comes to info. At this point, it feels like XXXX does not want to issue the refund and are stalling intentionally, or simply do not like me. This is on page to be a month long issue and counting
Complaint sub-issue: Their investigation did not fix an error on your report

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as Equifax and XXXX. Afterwards I dispute the information with XXXX XXXX. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to Equifax and XXXX  despite if the account is no longer open several days, after.