Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

Dear CFPB Representative,I would like to submit a complaint about the very bad experience I had setting up a business checking account with US Bank.  I was sent a promotion flyer that stated that if I deposited XXXX into a new checking account, I would be credited a XXXX signup bonus within 45 days.  I opened this account on XXXX/19 with the full amount required and was not credited within the 45 day time period which was to end on XXXX/19.From XXXX/19, I spent many hours on the phone and in person with bank representatives trying to receive the XXXX signup bonus from this promotion.  On every occasion, the standard response from the staff was to ask me to wait a few more days to see if the bonus posted.  This went on repeatedly and after a full two months of these correspondences, I informed a customer service representative that my patience was exhausted and that I was going to be filing a CFPB complaint regarding their deceptive business practices.It was only after this threat that they finally credited my account the XXXX bonus.  This was 115 days after the account was opened.  To add insult to injury, I was also charged XXXX worth of account maintenance charges while waiting for the bonus which I have successfully had waived.  I believe that US Bank deliberately withheld the signup bonus to which I was rightfully entitled and also purposely strung me along to charge successive account maintenance fees.  I feel that the only reason they finally credited the XXXX bonus to my account - a full 70 days after the deadline - is due to the threat of a CFPB complaint.  If I was not aware of the CFPB and/or less inclined to pursue this matter, I strongly believe that US Bank would've been happy to have reneged on their responsibilities.  Therefore, I feel compelled to submit this complaint to bring to light the deceptive treatment that US Bank accorded to me and potentially many other new business banking clients.
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 Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 seven years. 
XXXX XXXX. XXXX ( A ) XXXX ) 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: Trouble using the card to pay a bill

I recently moved and reported my address change and they asked me to submit documents. So I did so using their website they gave me all they needed at first was a selfie and a picture of my drivers license then I call them they say give it one to two business days. It has been two weeks and they still havent released my benefits and I need to pay bills..
Complaint sub-issue: Information belongs to someone else

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the Equifax breach. in XXXX I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next two. I let all three CRA 's know about three accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX  {$1200.00} :.
Complaint sub-issue: Public record information inaccurate

While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a XXXX XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the XXXX XXXX was discharged but that had nothing to do with me or my XXXX XXXX per my attorney and the bankruptcy trustee since the XXXX XXXX was separated between us.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several inquiries on my credit report generated by Equifax. Particularly, there is an inquiry on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquiry specified is XXXX XXXX, inquiry made on XX/XX/2020. While I have an active credit card with XXXX XXXX, I did not make any inquiry on XX/XX/2020. Nevertheless, I did not have any interaction with XXXX XXXX. When I called XXXX XXXX, they said they DID NOT have a record of making any inquiry. 

By way of certified mail, on XX/XX/2020, I wrote Equifax and disputed the foregoing inquiry. ( See attached copy of dispute letter with proof of service ) Dated XX/XX/2020, I received a response from Equifax, and Equifax deemed the inquiry is " verified as reported. '' On XX/XX/2020, I wrote Equifax to provide their method of verification, to conclude the inquiry was verified, pursuant to Section 611 ( a ) ( 7 ) of the Federal Credit Reporting Act. 

However, dated XX/XX/2020, Equifax responded to the letter requesting its method of verification by simply resending the same letter it initially sent ( XX/XX/2020 ) without any detail or specificity with how/what methods it took to verify the inquiry.
Complaint sub-issue: Problem with rewards from credit card

I receive promotional offer from Citibank on Citi / AAdvantage Platinum Select card, on XX/XX/XXXX through Email offer with special invitation code, I applied this card using the invitation code on XXXX and I have made eligible spending over {$3000.00} by XX/XX/XXXX. 
However, Citibank never redeem and provide the XXXX AA bonus miles per advised. 
I have talked to the customer service but they comment that there is no such offer linked to my account. 

Email : Earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within the first 3 months of account opening with the Citi / AAdvantage Platinum Select World EliteTM Mastercard. * The annual fee of {$99.00} is waived for the first 12  months. 
Apply now Apply today using your non-transferable, exclusive invitation number XXXX. This number can be used one time to apply for this credit card offer. Offer expires XX/XX/XXXX.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX # 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 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 seven 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: 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 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # 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 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 seven 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: Card was charged for something you did not purchase with the card

I just noticed some charges racked up on my credit card which i did not make. I contacted the customer care as soon as i noticed. I did not use the cards so apparently my cards were stolen. The charges should be around {$38000.00} to {$39000.00} if not more. I want this resolved as soon as possible and i want my money back since i did not spend it.
Complaint sub-issue: Problem with fees

On XXXX XX/XX/2018, I made an online payment with Citibank for my Universal Card. I  received an email with confirmation number XXXX that the payment was made successfully. I owed {$2.00} and paid {$3.00}. Citi said the payment confirmation is a " pending '' or something like that, which is not stated on the confirmation. 

On XX/XX/2018, I received an email from Citi requesting a call to them about collecting a debt of {$25.00}, which was the {$2.00} plus a {$25.00} late fee. They said my bank XXXX could not process the payment because the account number was entered incorrectly or something. 

I went to the website to determine what was going on, but it would not let me proceed to any screens without making a payment, despite the fact that I was disputing that I owed them any money. I called them but could only get their debt collection section not regular customer service. Debt collection could only process payments and not address any other issues. 

I recorded the phone call with citibank and spoke to 3 different employees. I requested they not call me about late payments. I was told their policy is that they would not call me about anything including fraud. I stated they could not place me on a blanket do not call list because I wanted fraud protection and that they were required by federal law to protect my card from fraud. They refused. I was told they could send text alerts about fraud. I was told they could not guarantee that I would not text about other issues, when I asked about receiving texts only for fraud. 

I requested a copy of this policy and was told they did not have to provide it as a matter of Georgia law. I stated they did have to as a matter of Federal law if they are breaking the law. 

I asked about removing the late fee, when I had a confirmation that I had paid. They refused. I said that was a violation of the credit reporting act. I said it was a violation of State of Georgia law as well. 

I tried to review the data online but their site did not allow me to do that nor edit the data, so I added the account again and paid them the minimum it would let me pay which was {$5.00} on XX/XX/2018. They said they make the phone call so the account is not past due, but they did not call me until the account was 6 days past due. 

I should not be forced to pay any disputed amounts, until a determination about what happened and how it happened is completed.
Complaint sub-issue: Information belongs to someone else

In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.
Complaint sub-issue: Account information incorrect

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, Equifax, and XXXX ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Complaint sub-issue: Problem getting my free annual report

There are thousands of complaints, and have been for several years, about Equifax and their ridiculous verification questions that end up denying most of all free report requests on XXXX. I have a credit score of well over XXXX and I keep all my financial info at my fingertips and the questions they ask to verify your identity are just plain stupid. They obviously do n't want to give out free reports and so far I do n't see any government agency doing anything about it. I 've tried for 5 straight years to get my report from them online with ZERO results. I applied for my XXXX year old daughter 's report today and the verification questions were about her " mortgages '', " credit cards '' and " car loans '' ... none of which she has. And of course ... request denied. " Please fill out our obnoxious paperwork and give us a couple forms of identification and MAIL us ''. WHY ARE THEY STILL GETTING AWAY WITH THIS???? If they were a person I 'd XXXX. For an organization that has the PRIVILEGE of handling everyone 's credit scores they do a pathetic job of it.
Complaint sub-issue: Reporting company used your report improperly

Equifax has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my writ
ten instructions
Complaint sub-issue: Public record

I properly disputed a judgment for an unknown medical account and Equifax refused to delete it even though I produced verification that there was no such recorded judgment. Equifax is the only credit reporting agency reporting this and they not only refused to delete but are not marking the account as disputed by consumer. 

I contacted XXXX XXXX XXXX on XXXX/XXXX/2015 and verified there was no judgment recorded in my name. On XXXX/XXXX/2015 I sent a XXXX certified formal dispute letter, with proof, to the credit reporting agencies to inform them that the judgment reporting on my report was invalid. I received replies back and the judgment was removed by all except Equifax.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX please remove/block/delete this account. You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my equifax report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct. # XXXX, and XXXX XXXX Acct. # 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: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XXXX OF XXXX, WHEN THE ACCOUNT WAS FIRST OPENED. 
THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/2018. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.
Complaint sub-issue: Information belongs to someone else

I have been XXXX in the XXXX XXXX XXXX XXXX from XXXX until the present date. I have no knowledge of this account or an address that is listed on my report. This account and my personal information should be thoroughly be investigated and the information removed from my record. 

Account : XXXX XXXX A Reported : XXXX. XXXX, XXXX - {$330.00} Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.