Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

I've had so many problems as a result of customer service at Citi Bank and the AAadvantage card. 

1st Issue : I did not receive the card for 1.5 months after signing up because they had my apartment number wrong. I called 3 times and each time no one recognized the error. 
2nd Issue : I had to postpone a major purchase that I was planning in order to meet the minimum. 

3rd Issue : After 2 days of use, I had my first fraud. 

4th Issue : They would not expedite a new card and I had to wait another week to receive the 2nd card ( still postponing the purchase ). 

5th issue : When I went to make this purchase I was denied at XXXX XXXX   because the purchase was too large 6th Issue : When i tried to call on the spot at XXXX XXXX  to get them to allow the purchase, I was on the phone for 1 hour trying to verify my identity ( apparently social security number wasn't enough ). After a myriad of questioning, 2 supervisors, and them telling me they could not verify my identity to make the purchase, they asked for another credit card number and for the number of that credit card company. 

7th issue : When i finally made the rewards, I realized that the flights offered on XXXX XXXX were the worst possible routes. For example ... XXXX to XXXX with 2 stops and an 8 hour layover. 

8th Issue : After less than a year of use I stopped using. I was charged a XXXX dollar membership fee on XXXX statement when the first year fee should have been waived. I did not make my first purchase until end of XX/XX/2018 because it took so long for the card to arrive. 

9th issue : I received a late fee, of which they were unwilling to waive because of the membership fee that was charged early. 

10th issue : After only 1 month, the bill was sent to collections! 

11th Issue : I was on the phone for 2 hours with customer service trying to get the membership fee either waived or credited. After speaking with 5 different representatives I finally learned that I could transfer to another card and receive a credit on that new card. Still no late fee waived. 

12th Issue : The person on the line who transferred my credit card would not allow me to interrupt his recorded required speech on the new card and thus i was forced to write my questions down until the end of his 15 minute speech. One question was ... is the address up to date. It was not, and of course he said he could not change that address now because he was too far into the process. I had to call back in order to change it. He informed I should pay the balance off right away online 13th Issue : I went to pay the credit card off online and of course I could not because the card had already been transferred. I had to call back and pay by phone.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I spoke to the supervisor XXXX XXXX on several occasions but the last time I talked to him was on XX/XX/21 and I told him that I could not pay the amount due that they were charging me interest every month which I was not aware of because I was supposed to be on a hardship program for 3 months and I was also being charged a late fee. He told me that all of the charges would be removed because I was on the hardship from XXXX, XXXX and XXXX. The next bill was due on XX/XX/XXXX and I should be paying {$61.00}. That is what I paid. Now this month I am being charged a {$40.00} late fee again. I call XXXX XXXX and another supervisor named XXXX XXXX. None of them return my calls and I have left several voicemails. Commerce Bank called me and I explained to the lady the problem and she said she would talk to XXXX. He also told me if I went on the payment plan I would pay 2 % of the bill which would be {$140.00} a month and the card would be closed. The problem is that I was only paying {$70.00} because I had the 0 % interest and now the interest is 13.24 %. They want almost {$200.00} a month I cant pay that. I had XXXX XXXX and I had to go to a lot of XXXX and XXXX and I told them I am on a set income. I cant pay {$200.00} a month. I dont know what I can do to have someone work with me to pay a cheaper payment or have the interest or some compromise. I have to be going for appointments the rest of my life because XXXX could return anytime the doctor said. I got real skinny and I have to gain back my strength not worry about 2 people that are supposed to be supervisors but their not working with the customer or returning my calls.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.
Complaint sub-issue: Personal information incorrect

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with XXXX this month XX/XX/2022. My payments were not late and I do not have a past due amount. Home Depot did not report accurately to XXXX and cause my credit score to drop.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted a disputed regarding an inaccurate bankruptcy account that Lexis Nexis has under my name and social security number. I also requested Lexis Nexis to freeze any information they have under my name and social security number. I exercised my rights by submitting a written dispute with my name and full social security number. In turn I was refused a freeze and refused a dispute unless I provide them with more personal info e.g. my driver 's license number etc. I already provided them with my full name, address and social security number. This company is providing others inaccurate information that someone else published inaccurately.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This is a third party collection agency attempting to collect an alleged debt and is reporting on my credit file unlawfully and has violated numerous laws under FDCPA and FCRA in which an invoice is enclosed for the civil liability. I've attached an Affidavit, Validation of debt and Cease and Desist order in which they received certified mail that is attached as well.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
This debt is not mine and I was given no evidence of this being valid. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter.
Complaint sub-issue: Information belongs to someone else

XXXX FORMERLY XXXX Date openedXX/XX/2020 Amount owed $ {$16000.00}
Complaint sub-issue: Information belongs to someone else

On yesterday XX/XX/2022 I called XXXX  XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.
Complaint sub-issue: Information belongs to someone else

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Every month I use XXXX to buy things I may need. But every month I get through the whole purchase and realize that the card information is taken and the purchases have been going through then the company of XXXX closes the page and I can't get back to it to see if it was paid or not and I checked XXXX turns after never getting the things I bought and they have been going through for the girl across the street to rip off my card on some internet fraud scam they hooked my laptop up to.amd I have called 50 times to discuss it and the company won't talk to me so she has manipulated them as well.
Complaint sub-issue: Can't close your account

I have a cd with bank named POPULARXXXX  that has matured on XX/XX/2021 I want to close and transfer this cd to my external checking account bank will not close the CD producing all sorts of excuse. plEASE Kindly take necessary action. 

Name of the bank : POPULARXXXX BANK PHONE XXXX MY EMAIL : XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

NOT AUTHORIZE INQUIRY EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX XXXX FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX / XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this XXXX  account accuracy many MANY times with both equifax, XXXX, and XXXX  ( which handles their deliquent accounts ) and to no avail, have not had any success. Equifax CONTINUES to report XXXX XXXX XXXX as verified and correct when it is in fact incorrecct. I pulled my account today and now it reads as CHARGE OFF when it is PAID AND SETTLED. How can something be paid and settled but be a charge off at the same time? Furthermore, Equifax continues to commit fraud as they are not actually reaching out to confirm if the amounts, date of last payment, and status of the account is correct. How can they report something today but I spoke with XXXX  TODAY and have attached transcript of our conversation staying that Equifax 's reporting is inaccurate and that it doesn't match the data that they have. THIS HAS CAUSED SEVERE EMOTIONAL DISTRESS AS I AM A SINGLE MOM TRYING TO FIX HER CREDIT AND GET MY CREDIT REPORT ACCURATE! It is against the law for credit bureaus to report information they know that is inaccurate. I have provided several emails from XXXX, true accord and they have not done anything to help. This needs to be fixed ASAP! I called XXXX today and had them send me confirmation showing my payment was paid on XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

I am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Equifax the last six months and this information has not been corrected. I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Equifax before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Equifax database. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXX XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a valid address. However, I have never resided at this address and Equifax has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/2020, Equifax is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Equifax continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be  reported on a consumers credit file. 

Equifax needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX As of XX/XX/2020, Equifax continues to report 69 outdated and invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- See attached document As of XX/XX/2020, Equifax continues to report the following inaccurate and unvalidated collection accounts : - XXXX  XXXX  - XXXX  XXXX  XXXX  As of XX/XX/2020, Equifax also continues to report inaccurate bankruptcy information. I have contacted XXXX XXXX and confirmed that they do not have the same matching information and have not verified this information for Equifax. Equifax claims that they use services from XXXX XXXX to validate court information. I also have contacted the court system and was informed that the courts do not verify or validate court information with anyone. Not Equifax or XXXX XXXX. 

Your assistance with this matter is appreciated. 
Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax
Complaint sub-issue: Reporting company used your report improperly

According to Equifax, they have allowed my personal credit reporting information to be obtained by an unauthorized third party as a result of insufficient security protocols/procedures.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX I purchased set of XXXX wheels for {$2000.00} from XXXX XXXX , XXXX. I received a set of XXXX XXXX XXXX. XXXX acknowledged the mistake. I had to file a dispute with my credit card company ( CITI ) for XXXX to eventually agree to take back the wheels in exchange for a {$2000.00} refund. I returned the wheels at CITI 's direction to resolve the credit dispute. The wheels were returned with XXXX   labels provided by XXXX, and were delivered on XX/XX/XXXX. ( XXXX tracking numbers XXXX ; XXXX ; XXXX ; and XXXX ). I have followed up multiple times with my credit card company ( CITI ) and XXXX, but now one year after this merchandise was returned, I have still not received a refund and the charge continues to incur interest on my account. CITI 's most recent correspondence indicates " We have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. We no longer have any additional recourse to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation remains closed. '' Attached is supporting documentation.