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

I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
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The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 I submitted the following : I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened! 

On XX/XX/2020 I received an email ( which I have attached ) from Equifax Information Systems ( apparently I should have addressed it to " Equifax Inc. '' but how would I know the difference between Equifax Inc and Equifax Information Systems?? ) that said " This complaint lists someone the company does not recognize as their customer 's authorized representative ''. Then its goes on by saying amongst other things that the company let us know that it can't respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information??? What is this all about??? I filled out the information and as the oversight committee to make sure criminal companies such as Equifax aren't screwing me over by listing items on my credit report that are not mine. 
I have followed the FTC.org instructions that give people like me some direction as to what to do when I feel like i've potentially been a victim of identity theft because of several data breaches including the BIG ONE EQUIFAX. I sent this information via 2-3 day express as well as added a copy of this complaint to the list of items that the FTC 's guidelines tell me to send in the mail via USPS. These documents were sent in on XX/XX/XXXX which was a day or 2 after I submitted my first complaint to the CFPB. 

Who has told you that Equifax said I am not a consumer of theirs??? I have attached the proof that I have been a victim of this Data Breach as well as the email that I received stating what I have said above.
Complaint sub-issue: Account information incorrect

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: Was not notified of investigation status or results

hi I can't believe you guys are taking advantage of me. I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. these are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting ABSOLUTERE account number:XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and my information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft my identity has been stolen and used to open several fraudulent accounts
Complaint sub-issue: Reporting company used your report improperly

Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with Equifax, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from Equifax on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however Equifax, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per Equifax, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Citi Bank served papers to an alleged debt on XX/XX/2021 to my brother that was visiting from out of town. The constable was also informed that he was not me and that I was not home so he didn't want to take it. My brother did not notify me of the papers until a weeks later, which cut into the time I need to inform Citi Bank and XXXX XXXX that I wanted to request a validation of the debt pursuant to 15 USC 1692.
Complaint sub-issue: Information is not mine

I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Complaint sub-issue: Problem with statement of dispute

Why are you ; THE CFPB, giving Equifax XXXX more days to do an investigation that the dispute was sent to them ON XXXX. XXXX!!!!???? DISPUTE CASE # XXXX!! THEY HAVE ALREADY HAD OVER XXXX DAYS. WHAT ARE YOU NOT ENFORCING THE LAW??
Complaint sub-issue: Information belongs to someone else

On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All of the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi checking and savings account on XX/XX/2019. Per the offer details : XXXX XXXX XXXX I kept over XXXX daily on the account for more than 60 days already, and have my direct deposit going into the checking account from my job. I should have gotten the XXXX $ bonus but have not and Citi won't help when I try to contact them.
Complaint sub-issue: Their investigation did not fix an error on your report

On or around XX/XX/18 my identity was stolen and the criminal was using my name and information to try an open accounts online. While trying to open these accounts multiple hard inquiries were placed on my credit score with multiple credit reporting agencies. Of the three reporting agencies, Equifax, has been the only agency which refuses to remove the fraudulent hard inquiries. I have had to file a previous complaint with the cfpb regarding Equifax not removing a fraudulent hard inquires after multiple attempts contacting them. Equifax, in that case, and in this case, refuse to acknowledge they have received appropriate documentation from the company which requested the inquiry, even though the company had sent multiple requests Equifax to remove the inquiries. My previous complaint ref # XXXX-XXXX. 

I am having the same issue with getting Equifax to remove the fraudulent inquiry that was placed on XX/XX/18 by XXXX. XXXX has sent multiple requests to Equifax to have this inquiry removed, Equifax claims they have not received any documentation. After multiple phone calls back and forth between Equifax, who claims they didn't receive anything, and XXXX, who claims they have sent documentation 3 times, I called Equifax to voice my concern, the representative requested that I send a fax into Equifax with my police report and a letter indicating the situation, the fax was sent on XX/XX/2018. 

It has been over 90 days and I still have no resolution. I personal feel Equifax is the company dropping the ball, as they were the reason for previous inquiries not being reomved.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T 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 719tXXXX has me at a score around 590. 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 XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Fraudulent loan

To whom it may concern, my automobile was stolen by CCM XXXX Finance in the form of a " Repossession '' for the second time this year of 2022. On the XXXX day of XX/XX/2022 I requested a payoff to be sent to me in the mail to the address on file and I have never received it. Today, the XXXX day of XX/XX/2022 is when CCM XXXX  Finance has stolen my automobile for the second time after I, the consumer, have exercised my rights to rescind in pursuant to 15 U.S. Code subsection 1635 " Right of rescission as to certain transactions '' in the form of a contract made by I, the consumer, a Debt Validation letter. I, the consumer, sent the letter via Certified mail through USPS on the XXXX day of XX/XX/2022 to CCM Finance lien holder address XXXX XXXX XXXX, XXXX Tx XXXX. I then received confirmation via Green Return Recipe, that the Debt Validation letter was received and signed by XXXX XXXX on the XXXX Day of XX/XX/2022. Also, the tow company XXXX XXXX, who was authorized by CCM Finance to steal my automobile on the XXXX day of XX/XX/2022, left destruction to my families private property while doing so. On CCMFinance.net, when I log into my account on their website it shows " You have no active accounts associated with your profile '', " There are no payments '', and " You have no scheduled payments ''. To close on this statement that I have Done in good faith, Without Prejudice, and All Rights Reserved.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Complaint sub-issue: Information belongs to someone else

XXXX    XXXX   as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is  XXXX .
Complaint sub-issue: Information is incorrect

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with personal statement of dispute

The attached letter dated XX/XX/2022 was mailed via USPS to Equifax and delivered on XX/XX/2022 per the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Equifax then proceeded to submit a dispute on XX/XX/2022 that I did not authorize or request. The investigation of this unauthorized dispute was completed on XX/XX/2022. Though previous disputes have been submitted for this account on file another dispute was not my request. My request was for the validation of debt that Equifax holds on to my consumer file to be able to legally furnish this information on my consumer report. Per the initial rep during my 1-hour phone call with Equifax, they do not have any substantial proof of evidence or validation of the debt and acknowledge that it should not be on my account, however, they will not remove it. As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. In light of recent investigations brought upon Equifax, I find that my consumer file is being tampered with. Over the past two years, I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they are intentionally and willfully neglectful in remedying my affairs. 15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 i ( A.5 ) says that after a reinvestigation all unverified information must promptly be removed. Equifax is refusing to remove XXXX XXXX XXXX XXXX - XXXX from my consumer report though they acknowledge that they do not have substantial evidence to furnish the account. I am demanding that this account be removed immediately.
Complaint sub-issue: Received bad information about your loan

I filed a previous complaint and fed loan closed it out but the issue is not resolved. 

Can you please provide documentation for the administrative forbearance from XX/XX/XXXX-XX/XX/XXXX, the reduced payment forbearance from XX/XX/XXXX-XX/XX/XXXX that you noted in the payment history. Also, will I get Qualifying payment credit for the National emergency forbearance from XX/XX/XXXX-XX/XX/XXXX due to the pandemic. I still maintain I have made more than 87 qualifying payments and payments are missing from XX/XX/XXXX to XX/XX/XXXX and I have provided banking information to support this. My employer sent you employer certification forms reflecting this. Also, I have requested electronic confirmation to support that fed loan sent my information to federal student aid Department of education for review for the temporary expansion forgiveness program which is a finite program. I have made more than 120 qualifying payments. Time is of the essence. Thank you so much for your help.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2022 Citibank advised that they were closing my account. They advised the account would be closed within 60 days from XX/XX/2022 and that a check would be mailed to me for the balance in the account. The balance in the account of {$1000.00} still has not been mailed to me. I called Citibank and advised them I wanted my money back. They said they still had another 30 days to actually close my account. I would like my money back from my account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}
Complaint sub-issue: Debt is not mine

Citibank is calling my XXXX yr. old grandparent 's house about 6 times a day. They are on a limited income. They have spoken about lowering the payments but, they continue to call. It 's very upsetting to them. I 've tried to speak to them myself but they are very rude and then they hang up. What can I do to resolve this issue.
Complaint sub-issue: Problem with personal statement of dispute

I dispute my credit report with Equifax about 2 collections XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX after the investigation they allowed the same accounts to be added to my report so these are on my credit resort 4 times the XXXX XXXXccounts added XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX A DEBT BUYER/COLLECTOR CAN NOT TRY TO COLLECT ADDIONAL MONEY FOR THE SAME DEBT MULTIPLE TIMES THIS NEEDS TO BE REMOVED OFF MY CR AND EQUIFAX NEEDS TO CORRECT IT!
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I used XXXX XXXX ATM to withdraw {$240.00} cash, but its ATM only dispensed {$220.00} to me ( {$20.00} short ). On XX/XX/2017 at XXXX, I used XXXX XXXX ATM machine at XXXX XXXX XXXXXXXX XXXX. , XXXX , TX to withdraw money. I chose to withdraw {$240.00}, but the machine only dispensed {$220.00} ( actually 11 pieces of {$20.00} bills ). The ATM receipt showed that I withdrew {$240.00} and also my debit card transaction posted is also {$240.00}. Apparently the ATM machine of XXXX XXXX only gave me {$220.00}, but still charged to my debit card {$240.00}. 

I request Comerica Bank to refund me the over-charged {$20.00} due to their ATM error. For your information, the machine # is XXXX. Also the Record No is XXXX along with another sequence # in the receipt XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Customer Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.

Again, I reject the arbitration clause in the Equifax interactive service agreement.

Thank you again for you speedy help with to this matter and noting my account.

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction
Complaint sub-issue: Debt is not yours

I had leased an apartment for a year with my close friends. When XXXX XXXX went under new management, we came home at XXXX  and our belongings were thrown out of the apartment. We had no written letter, no eviction notice, no explanation. When we went to the office we were told that new management was taking over and that there was nothing they could do. I was young when this happened and had no idea how to handle it. Years later I got this collection on my credit but didnt believe it to be true since it wasnt a normal eviction. This was in year 2015. I was XXXX years old. Now XXXX at XXXX XXXX is trying to collect XXXX $ through a debt collector.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have a certain Account passed on that should be withdrawn. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
( Original Creditor : XXXX ) XXXX Balance : {$160.00}
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX  and myself! Please send the proper validation
Complaint sub-issue: Attempted to collect wrong amount

Attempt to collect a debt that is not mine. Please investigate Omega RMS, because they 're trying to collect money from me twice with a XXXX different amount at {$28000.00} each account that is not mine.