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

Citi has been promoting it $ XXXX {$400.00} offer for its different criteria deposit. I opened the account via its promotion link online on XX/XX/XXXX. I called on XX/XX/XXXX and told them that instead of depositing for $ XXXX for {$1500.00} bonus, I would like to downgrade the package for $ XXXX deposit for {$400.00} bonus. The rep on the phone ensured me many times that the account is linked with the promotion and I will get the {$400.00} bonus after depositing $ XXXX. 
I deposited $ XXXX on XX/XX/XXXX and the money has still there since then until today ( XX/XX/XXXX ), which has been over XXXX months. The requirement is having the deposit stay for 60 days, which already way passed it. I chated online on XX/XX/XXXX and the rep said I should have qualified but he said he will open an investigation with case XXXX XXXX XXXX XXXX. I also called citi and the first rep said he didn't see the promotion linked to my account. Later the case was escalated to a supervisor, who said I already downgraded my account, which I said I knew but the rep on XX/XX/XXXX expressly told me it is ok as it is just {$400.00} bonus instead of {$1500.00}. The supervisor then said, oh, because the linked checking account was closed. I said I didn't close the linked checking account but Citi closed it at its sole discretion without any notification. And said he will follow up on the investigation team and give me the answer. On XX/XX/XXXX, I receive the letter from citi saying they can't find any promotion linked to my account. So what's going on? Overall experience is just that citi tried to avoid giving the promised promotion and overall advertisement is misleading and scam. 
Per the terms, citi should have given me {$400.00} bonus on XX/XX/XXXX, which was 60 days after the required deposit period. I have patiently waited for another 4 months but it ended up they closed my linked checking account and said, oh, not another fine print qualified. The term stated " the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts '' and " At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. '' So why my {$400.00} is not showing up in my saving account? It should have appeared from any date after XX/XX/XXXX.
Complaint sub-issue: Don't want a card provided by your employer or the government

U.S Bank issued me a XXXX debit card ( U.S. BankReliaCard ) for unemployment benefits. I did not request this card nor have I filed for unemployment. I've tried to report this to the XXXX XXXX XXXX XXXX XXXX XXXX but I'm not certain that I was able to. 

On XXXX, I called XXXX XXXXXXXX XXXX XXXX, got the automated line, and selected the option for the U.S. BankReliacard. I spoke to whom I believe was a US Bank representative who said she deactivated my account. I say I believe she was with US Bank because it took her very long to respond to questions and she did not seem certain or knowledgeable about her responses ... Not very professional. She did not provide a case number and said that " authorities '' looking into this could access the info with the account number that was opened under my name. 

The XXXX unemployment benefits card/unemployment benefits was requested -- not by me -- more or less on XX/XX/2021. I received the card in the mail more or less XX/XX/2021 ( I was on vacation/out of town and got the card when I returned on XX/XX/2021. ) U.S. Bank says that the card had not yet been activated or used. 

In XX/XX/2021 ( more or less ) I initiated a security freeze after learning that XXXX was hacked and their customer 's account info was stolen. 

I also received a letter from XXXX XXXX saying that my request to open an account ( can't tell if it's a bank account or credit account ) was denied. I never contacted XXXX XXXX to open an account. The letter was dated XX/XX/2021. I called XXXX XXXX and informed their Customer Advocacy department. My case # is XXXX. Thankfully, they denied " my '' request for an account.
Complaint sub-issue: Their investigation did not fix an error on your report

Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies
Complaint sub-issue: Debt was result of identity theft

EOS is suggesting I owe student debt. The debt is from a private loan from XXXX XXXX. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a XXXX XXXX and I paid out of pocket. I explained to the customer service representative that these XXXX accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, EOS bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. EOS is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.
Complaint sub-issue: Reporting company used your report improperly

My data has been confirmed by Equifax as part of their security breach.
Complaint sub-issue: Information belongs to someone else

Fraudulent credit card opened in my name
Complaint sub-issue: Report improperly shared by CRC

Equifax has a habit of ignoring fraud information. XXXX fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced XXXX XXXX, 2015 today I spoke to a Consumer relations Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Equifax illegal practices.
Complaint sub-issue: Information is not mine

I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Problem with personal statement of dispute

In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled onXX/XX/XXXX. This information has been removed from my XXXX  and Equifax file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Citibank approved my account and I qualify for a cash bonus in the amount of {$300.00} for making a {$15000.00} to that approved account. Now, Citibank refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating Citibank is using this promotion to lure customers to their platform - and then refuse to honor the terms outlined. This evidence suggest that Citibank is aiming to expand their client base under false pretenses.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX   XXXX   is pulling hard inquiries without my consent
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX I received a letter in the mail from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  stating I owe a balance of XXXX according to XXXX XXXX XXXX the obligation or other security of the United States includes all bonds, certificates, of indebtednessXXXX XXXX XXXX currency XXXX fXXXX XXXX  notes, XXXX XXXX XXXX  notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have be unable to activate my USBank unemployment befits debit card XXXX XXXX XXXX USBank claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the XXXX XXXX XXXX and complied with further instruction from USBank but my card has still not been activated.
Complaint sub-issue: Old information reappears or never goes away

The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX - Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX- Closed XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX 2 accounts
Complaint sub-issue: Problem accessing account

I have a Money Market Certificate purchased by my late mother ( XXXX XXXX XXXX ) for $ XXXX 10.85 % interest purchased on XX/XX/1985 from XXXX & XXXX, later XXXX XXXX, now owned by PNC Bank. PNC Bank investigated this for 1 month. PNC concluded : The MMC was cashed it. However there is NO PROOF-None. PNC also states they dont keep records over 7 yrs old. My mother was a payroll clerk for XXXX XXXX. She kept meticulous home financial records/journal. She would not keep a Worthless XXXX  still in its original plastic envelope. I can not afford an attorney.
Complaint sub-issue: Debt is not yours

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX  score from increasing. The four companies are : 1. XXXX XXXX 2. Jefferson Capital XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to XXXX While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with XXXX XXXX XXXX. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I was called on XX/XX/22 at XXXX am, the company was XXXX XXXX XXXX via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
Complaint sub-issue: Problem cancelling or closing account

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Complaint sub-issue: Attempted to collect wrong amount

I was under contract for a home I rented from XXXX with XXXX XXXX XXXX. I fulfilled the contract in full in XX/XX/XXXX and went on to a month to month contract due to purchasing a new home. I purchased the home XX/XX/XXXX and left the rental property with no money owed or contract. I have a verification of rental form filled out and provided from XXXX XXXX XXXX that show my contract length and payments history that was provided to my lender for proof i was not under contract so it would not go against my debt to income ratio. I also have corresponding emails from my lender and XXXX XXXX XXXX clarifying i was not under contract nor would take on any late payments due to me moving out and the response from prime is clear that i was not. About 2 weeks after I moved out I was contacted by my lender that said a individual from XXXX had contacted them and told them i was under contract and being sued. My lender contacted me and provided me with all emails and Rental verification form for my personal records in case this was true and i would have the proof that shows i really was never under contract. Fast forward to XX/XX/XXXX and i have a collections account from Hunter Warfield in the amount of {$10000.00}. I called and spoke with the collector and submitted all documents that clearly show i was not under contract and month to month when i moved out. I filed several! dispute with Hunter warfield and they claim i had a contract and sent me a contract in the mail with the finding that i am liable for the collections. Upon reading the contract its a Electronic document with E signatures of my name. Not one actual signature of mine.So that dispute was unsuccessful so i disputed it 2 times with XXXX  with all documentation i have and they are still unsuccessful because Hunter Warfield is still claiming its accurate information. I really am extremely disappointed and this is not fair or right at all. Im not sure what to do now? Please help!
Complaint sub-issue: Card was charged for something you did not purchase with the card

Problems with XXXX transactions showing up on this account when I did not make and I did not authorize any such transactions involving XXXX.
Complaint sub-issue: Account information incorrect

I have tried several times to correct this with Equifax, to no avail. There are several incorrect things on my account. 

1. XXXX XXXX XXXX XXXX shows 2 late payments. XX/XX/XXXX - I have never paid this account late. Those late payments need to removed.

2. XXXX XXXX XXXX shows 1 late payment on XX/XX/XXXX- I have never paid this account late. The late payment needs to be removed.

3. XXXX XXXX shows 2 late payments on XX/XX/XXXX - I have never paid this account late. These late payments need to be removed.

4. XXXX XXXX shows 1 late payment on XX/XX/XXXX - I have never paid t his account late. This late payment needs to be removed.

5. A collection account is showing on my credit report from XXXX XXXX , XXXX . This is NOT my account. This needs to be validated with a signed contract from XXXX XXXX , XXXX . This is falsified information and needs to be remove immediately.
Complaint sub-issue: Other problem getting your report or credit score

My name is XXXX XXXX last ss XXXX. I am trying to pull credit report but Equifax and only equifax cant provide a report for me. It looks like they dont have info on me. They cant disclose any info with me because they're unable.to verify me. I tried calling the company but they cant help me because they're unable to verify my identity. They had me send documentations to prove my identity and I have return receipts but they say they never received it. I've mailed them twice and faxed twice now. I dont know what exactly is going on with my acct. I cant talk to anybody from equifax without them being able to prove my identity. Last time I called.them in XXXX they made it sound like everything was taken care of. Now that I'm trying to buy home I bump into this problem again. Please help me get this situated. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused XXXX XXXX and turmoil for my family and myself. I would like this to be removed within 7 days from my credit report.
Complaint sub-issue: Old information reappears or never goes away

I pay all my bill on time and my credit goes down frequently plea se help with matter i don't have pending bill