Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 XXXX XXXX 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: Was not notified of investigation status or results

I see no changes for what I filed last monyh, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting " 30 days late '' on my credit report.for the XXXX XXXX   account. XXXX XXXX has notified Equifax that their company should have never reported a 30 days late in XX/XX/2017 on my account. Equifax has also been notified by XXXX XXXX  that a manual update was entered to correct their error.
Complaint sub-issue: Account information incorrect

I sent certified mail to XXXX, XXXX? And Equifax to provide information on XXXX XXXX, XXXX, XXXX which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail
Complaint sub-issue: Debt is not yours

On XX/XX/22 I received a letter from XXXX XXXX  is attempting to collect a debt {$470.00} that they purchased from Citi Bank/Best Buy for pennies on the dollar, that neither company would validate and sold. I had it removed off my consumer report then XXXX XXXX  bought the debt and placed it back on my consumer report with out my knowledge. Now they are contacting me at my private address that I gave them no permission to do so. I do not have any contract with them nor have they validated the debt, they just sent me a copy of some paper statement that can be printed out. They have the debt listed as collection/charge off on my consumer report which is illegal since they did not charge it off or have a contract with me. I have contacted them and ask to stop reporting this debt and discontinue reporting any trying to collect this debt. They ignored me and said they validated it which I know they did not.
Complaint sub-issue: Reporting company used your report improperly

Failed to secure my information and was accessed. Now my personal information may be at risk for identity theft.
Complaint sub-issue: Personal information incorrect

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for Equifax, XXXX XXXX, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks
Complaint sub-issue: Problem with the interest rate

My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.
Complaint sub-issue: Problem during payment process

I am who I am fact. I am the original creditor and Citi has violated Federal Regulations during Covid 19. Pursuant to the FCRA 623 - 15 USC 1681s-2 ( F ) ( i ) ( II ) ( bb ) I was never late and this item is supposed to be counted as current pursuant to 15 USC 1681s-2 ( ii ) ( I ).

There are also multiple billing errors that I noticed under 15 USC 1666 ( b ). This has defamed my character during tough times while I was fighting my heart out during college and Covid. 

Citi, XXXX, XXXX, and XXXX has had complaints filed against them and I hope you can help me out.
Complaint sub-issue: Frequent or repeated calls

My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.
Complaint sub-issue: Old information reappears or never goes away

on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
Complaint sub-issue: Problem getting a working replacement card

Hi, I have had a credit card with Citibank for 8 years. In XXXX, my card expired and I asked for a new one. The company refused on numerous occasions to issue me a new credit card, however, left my account open and it still shows as an open account on my credit report. I was told they refused to issue me a replacement card because of a debt that was owed from XXXX that was then added to my credit report in XXXX. I was contacted by a law firm representing a company that had purchased the debt from Citi bank and was told by Citibank that I was not allowed to have a new replacement card until I paid the debt. Upon speaking with the lawyer on the phone, he said that the debt was opened in XXXX, which was a XXXX, it was opened in XXXX when I was in college. I had not heard from Citi or anyone regarding this debt for years until XXXX and this situation came up. I negotiated a lower payment with the law firm and contacted Citibank for a replacement card since the debt had now been paid. They continued to refuse me a replacement card, hanging up on me on the phone as well. I to this day still have an open credit card account with Citibank that is XXXX years old, with no payments due, XXXX balance, and am still refused a replacement credit card, even with the previous debt that is XXXX years old now being rectified.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I took out a student loan in 2007. 

I asked Zuntafi to produce all contracts, terms, and conditions associated with my student loan, which they continue to sell off to many new entities. Today, I received yet another email saying they sold my loan. Despite this, I have not been given my loan agreement, and all terms, contracts, and conditions for my student loan. I've asked NUMEROUS times in writing to be given such information. Finally, I was given an illegible blurred copy with many writings all over loan terms, just as if the company was INTENTIONALLY trying to prevent me from reading the terms. They also have been circumventing my requests like after I asked for a copy they just send basic forms I filled in to sign to get the loan, but they won't send me all terms and conditions associated with this loan. 

Over time, the XXXX XXXX, Zuntafi, has continuously appeared to make up new and more rules or changes to my loan without my knowledge, without my consent, and while refusing to cooperate in my right and request to be given my full terms and conditions of my loan. 

Their staff has been rude, belittled me, and been uncooperative at giving me the basic knowledge and information about my loans. 

The student loan company, Zuntafi, stated I exhausted all forbearance available for my loan and that they only offer it twice. But they refuse to produce any records of any kind, including my contract stipulating such. They continue to make up and change all aspects without my knowledge or consent associated with my loan. Based on the information I did receive in a barely illegible document, the company has made up terms and conditions that are beyond what's in the contract. I believe their practices break consumer protection laws. 

Despite online materials on their website saying they offer a cosigner release, they are also falsely advertising that they offer that cosigner release. When I went to take advantage of that recently, they refused to honor it despite their website saying their company offers such. There's no part of their site that says loans are excluded. 

Based on their lack of cooperation, refusing to produce or ignoring my request to produce all contracts, terms and agreements associated with my loan, and making up new terms and conditions even contradicting their website, I believe this company is breaking consumer and student loan related protection laws and fraudulently deceiving me and others that enter into loans with them.
Complaint sub-issue: Card opened as result of identity theft or fraud

Citibank has been calling and harassing my family members about a credit card that I didn't open or use. Citibank opened this card and apparently allowed someone else to access the credit on the card. This account is not mine. I am a victim of identity theft. I have attached copies of documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX and XX/XX/XXXX, I submitted dispute twice. Equifax agrees that multiple addresses are wrong and said that the addresses were removed. However, until today XX/XX/XXXX the wrong addresses are still on my credit report. Besides, they disagree with my dispute for the credit account and hard inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$600.00}
Complaint sub-issue: Didn't receive services that were advertised

The dates were between XXXX thank you for taking the time to help me with this issue!
Complaint sub-issue: Personal information

The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.
Complaint sub-issue: Public record

I applied for the application for withdrawal of file form XXXX, Notice of Federal tax lien ( form XXXX ). I was approved on XX/XX/1016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release forms ( which I will also attach here for you ). I have also verified that the county lien withdrawals have been recorded. Equifax continues to improperly report the liens and refuses to recognize the withdrawal. The other CRAs ( Experian and XXXX ) removed the liens from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Complaint sub-issue: Attempted to collect wrong amount

I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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
Complaint sub-issue: Information belongs to someone else

I recently conducted a review of my credit report, and I noticed that your agency showed 14 credit inquiries that I find to be problematic. 

The inquiries in question are : XX/XX/XXXX XXXX XXXX/XXXX   XXXX, XX/XX/XXXX XXXX  XXXX/XXXX,XX/XX/XXXX XXXX   XXXX/XXXX, XX/XX/XXXXXXXX  - CARD SERVICES, XX/XX/XXXX XXXX - CARD SERVICES, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX  - CARD SERVICES,XX/XX/XXXX XXXX/XXXX,XX/XX/XXXX XXXX XXXX DEALER SERVICES, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX. 
I contacted all these companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue over 2 months to no avail. Now I'm asking you to investigate these inquiries Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Personal information

I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Debt resulted from identity theft

RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. 
RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. 
This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. 
In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a savings and checking account on line for Citi bank. I could not fund it until I got the debit card which I did get a week later. I did trial deposits at another bank that were verified and I then made an ACH from the external bank to Citi. The night ( XX/XX/2018 ) before the amount was to be credited to my citi bank account they cancelled the transfer as they said the names did not match. That was not true and I verified it with their person but it was too late to reverse. So my {$15000.00} is now floating somewhere to be credited to my external account in 3-4 days. This is totally un excusable and possibly illegal and your help is appreciated so no one else gets taken by Citi