Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number : 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: Account status incorrect

XX/XX/2022 XXXX reported a loss of XXXX points. 

My score dropped from 799 to 790. 

My credit report shows an XXXX XXXX loan as closed on XX/XX/2022. 

The report also shows XXXX XXXX account balance decreasing by {$300.00} from {$300.00} to {$0.00}. 
I have contacted XXXX XXXX to find out what they reported. Their reply was " account was satisfactory paid ''. 
I have contacted XXXX also no explanation. They just take points when they see closed and encourage consumers to leave credit cards open and continue to use them. 
They do not make any difference from when a loan is paid off.
Complaint sub-issue: Problem during payment process

InXX/XX/XXXXI entered into a Debit Management/Repayment program with XXXX XXXX   XXXX of XXXX NY. I included the credit cards I wanted them pay and make arrangements with. Key Bank was one of them. I began paying a lump sum of XXXX to cover all creditors including a payment of XXXX monthly to Key Bank in XX/XX/XXXX. My payment is debited from my account on the XXXX of every month and dispursed by CCS of XXXX. Key Bank has been receiving XXXX a month since XX/XX/XXXX I called Key Bank inXX/XX/XXXX at the request of XXXX and asked them to change my due date to the 25th. Key Bank indicated they would. To date they have not. XXXX payments continue to be " late '' allowing Key Bank to change me XXXX a month for a late payment. They also continue to charge me my interest rates and other fees. They have reported me to the Credit Bureaus as late and this has affected my credit score negatively. I have called XXXX of XXXX numerous times and with concerns that Key is not honoring the credit agreement and by all accounts has not entered into the agreement with me and has not adjusted anything to accept the XXXX a month as paid. CCS has advised me not to pay extra money to Key and to let them handle it. To date, they have not handled it and the situation is spiraling out of control and my credit rating is taking a beating because of it. Key Bank will not work with me over the phone or via mail. They call every month and make demands for payment despite getting my XXXX a month from XXXX. Key Bank claims they have no record of any agreement. XXXX claims they sent the agreement and that Key bank is notorious for doing this to people. I asked if I should pay the extra amount to keep my out of the collections calls and to keep my credit report positive and they advised me not to pay Key any additional money. As a result my credit score has taken a dive. All XXXX will do is say they drafted the agreement and are holding up their end of it, they are not responsible if Key Bank does not do what they are supposed to. XXXX advised my to seek held through the Attorney Generals office and FTC. I turned to CCS for help before my credit rating became damaged and because of their inaction and in my opinion, false promises, my credit rating has dipped. I need this situation fixed ASAP and Key to repair my credit report. This has been a nightmare credit wise.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

XXXX has listed a car loan I had with them as charged off and I paid the full amount owed. The car was totaled and I had full coverage with gap insurance XXXX was my lender and my insurance company after my past husband totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my daughter homeless a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a monster of a company causing me much grief and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a XXXX victim of theirs
Complaint sub-issue: Account information incorrect

This complaint is an update with more documents to show the issues with XXXX XXXX XXXX. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX ; XXXX  Account Number : XXXX ; XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

Attempted to access my Equifax consumer FILE via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. Attached is my proper identification and error message. I demand a response from you within 15 days upon receipt of this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is violating the law by taking dropping your score if you dispute accounts that do not belong to you. I am currently disputing several accounts that are inaccurate or do not belong to me. I feel they are doing this because there is a glitch in their system that they refuse to fix that does not allow on line disputing. The accounts that are currently being disputed need to be removed and my points restored to my score.
Complaint sub-issue: Their investigation did not fix an error on your report

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} Jason Craig & Assoc -Acct # XXXX - Reported bal {$390.00}
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I have a sick baby which requires a lot of medical attention. Being a single mother I struggle to pay my bills due to missed work attending to my child. My car payment has fallen behind by 3 weeks in the past but the accepted my late payment. This past time I fell behind by 3 weeks the company repossessed my car with out telling me. I got into a tiny finder bender but due to a XXXX recall it left my car undrivable so I had it towed to a place to get it fixed on XXXX. The repair garage ordered my part and told me they would call me when ready. After almost a week on friday XXXX I call the repair garage to see if my car was ready and they told me my car had been repossessed off their lot. My last payment making my car payment current was on XXXX. They repossessed my car XXXX. Not even 30 days from my payment making my loan current. Its a bi-monthly payment so it was behind 1 payment. I didnt have a functioning phone because my XXXX had the XXXX screen of death so I could not use it and couldnt afford to replace it at the time so if they tried to contact me I would not know. I also asked them how they even knew where my car was and they told me they put a tracking device on my car with out my knowledge. I called an atturney to get some help because even though my loan was current they would not give me back my car. The atturney needs my paperwork on the loan which mcmc auto never gave me so I called mcmc auto to get my psperwork and they said they will give it to me but I have to purchase it for {$45.00}. Which is completely wrong to make someone purchase their loan agreement papers. They wont even give me my account number or loan number. I am still current on my loan and I still do not have my car, my loan agreement, and unless I pay them an absormant amount of money for repossession, towing, Storage, and buying my loan agreement I will not get my car back. I will not pay the repossession costs because they repossessed my car not even being 30 days late after accepting a late payment all ready. This is putting me and my sick daughter in much distress with no end in sight.
Complaint sub-issue: Funds not handled or disbursed as instructed

I am extremely dissatisfied with the way Citibank has treated me as a customer. Recently, they have closed my checking account on XX/XX/2022 and two of my credit card accounts without any notice or explanation. Not only that, but they also refused to give me access to the funds in my checking account, which has caused me significant financial stress and inconvenience. 

To add insult to injury, Citibank has also prevented me from paying my credit cards and has not allowed me to access the reward points I have accumulated over time. This is unacceptable and completely unprofessional. 

I have tried to reach out to Citibank both in person at a bank branch and through phone calls, but I have not received any helpful information or answers. I am extremely frustrated with the lack of communication and transparency from this bank. 

As a customer, I expect to be treated with respect and transparency. Citibank 's actions have left me feeling disrespected and helpless, and I urge them to rectify this situation immediately by providing me with access to my funds and reward points, as well as a clear explanation for the closure of my accounts.
Complaint sub-issue: Didn't receive advertised or promotional terms

Citibank refused to honor me welcome bonus XXXX XXXX miles after I have met all requirements of the advertised promotion on opening new credit card. [ Requirements : {$4000.00} purchases by XX/XX/XXXX ] I have made $ 4000+ purchases by XX/XX/XXXX. 
However, Citibank refused to issue the miles by abusing advertised terms over definitions of 'posted dates ', instead of using the actual 'purchase dates ' to calculate the time during of 'four month ''. Specifically for two transactions I made on XX/XX/XXXX. 

Transaction # 1 : XXXX XXXX XXXX XXXX XXXX CA {$200.00} Transaction # 2 :  XXXX XXXX {$65.00} The date when both of transactions were made is XX/XX/XXXX.  PDT ( the timezone where my profile address locates ) Citibank argued that : by XX/XX/XXXX. I made less than {$4000.00} purchases because two transactions were posted on XX/XX/XXXX. 

I am absolutely aware of the fact that time difference between posted date and purchase date for credit cards. However, Citibank should have made the terms clear in Welcome Bonus requirements : for example : {$4000.00} purchases in first four month ( purchases date are the date being calculated into the first four month ) ... etc.. According to the promotion invitation letter I have received from Citibank, there was no such clarification. 

Therefore, Citibank exploited its confusing and misleading advertising terms as excuse, to refuse to issue welcome bonus to me as a new card member. 

Thereby, I am seeking for a fair solution from Citibank through CFPB platform.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2018 I have disputed the same inaccuracies on my credit report with all 3 bureau 's and Equifax right now seems to be the one not doing their job and following the laws. I spoke to a manager yesterday named XXXX who I reached out to because it had been yet another 30 days since I sent in my XXXX, 2018 disputes and I had not received any communication back from them and even when I called yesterday their automated system said my stuff was still under investigation. Yesterday when I spoke to XXXX she said none of my stuff was in dispute it had all been closed and merchants just replied verified. Although I told her the other 2 bureau 's had already removed the items I disputed with them as well XXXX XXXX repeatedly told me that there was nothing she could do, she couldn't change or delete anything and all she could do was continuously initiate another dispute. I know this is a lie they have removed a ton of people 's inaccuracies every day. I felt like XXXX did not want to do her job. I asked her how did the merchants provide or what proof dis they provide to show that anything was actual and factual and she said the merchants did not say how things were factual and that Equifax does not make them submit that info. I told her it is her job to make sure they are reporting accurately and not falsely because anything else is defamation and she still kept saying the same thing. Time is up I have given them months to correct these errors and inaccuracies to no avail.
Complaint sub-issue: Other problem

To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from you.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX INQUIRIES ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT EQUIFAX, XXXX, XXXX, XXXX, AND PLACES THAT ARE UNKNOWN. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXX, AND THIS IS ELDER ABUSE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX  Account # 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am disputing the following non-XXXX XXXX Inquiries on my credit report.- XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent. 
XXXX - CARD SERVICE Issue This inquiry is fraudulent. 
XXXX XXXX XXXX XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent -- -- - Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Complaint sub-issue: Personal information incorrect

In accordance with the fair credit reporting act XXXX, XXXX, equifax, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy.

Delete these addresses they do not belong to me. 
XXXXXXXX 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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**
Complaint sub-issue: Not given enough info to verify debt

I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Complaint sub-issue: Trouble getting a working replacement card

I receive UI benefits from New York. My exsiting card was closed because Key banks fraud department said there would be a new one issued. This has been on going since XX/XX/2020, today is XX/XX/2020 and I have yet to receive a replacement card.
Complaint sub-issue: Account status incorrect

I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Complaint sub-issue: Information belongs to someone else

Opened a case with CFPB in XXXX of XXXX. It was resolved on XX/XX/XXXX when XXXX XXXXXXXX XXXX XXXX- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in Equafax. We have tried disputing it with Equafax several times with no luck, using the letters provided to us by XXXX XXXX on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.