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

On XX/XX/2019, I went onto the XXXX XXXX website to book a flight. Before I hit confirm to move onto the next steps to book the flight, a '' Citi AAdvantage '' credit advertisement appeared next to the information on the screen stating that if I applied I would get a {$200.00} credit if approved. It showed that the ticket I was about purchase would go from {$580.00} to {$380.00} if I applied and was approved. Nowhere during this process was I told it would take 7-10 business days to process the application and I would in fact NOT receive a credit on the current flight I was going to book that day. Various online

creditors prompted a notification to my email address that Citi checked my credit. Upon that notification I received an email from Citi indicating I had to call them and provide additional information. So I called the number and a customer service rep for Citi told me I had to provide proof of ID, which I never had to do in the past with credit card companies. She further told me that it would take an additional 7-10 days to process the application an that they would not credit. She further stated " sorry for the inconvenience ''. This was just a blatant ploy to get people to sign up have their credit score possibly affected and then
not provide them with the {$200.00} credit they supposedly offered online. This is egregious and extremely misleading. Now I'm stuck, I don't want this credit card based off principle, I'm trying to dispute it with the creditors under the fraudulent credit report check by the company.
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 an 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.

Also I did not receive a Model B-1 or B-2 notice.

623 ( a ) ( 7 ) 15 U.S.C. 1681 621 15 U.S.C. 1681
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020, I received an email from Equifax saying that my data may have been breached. On XX/XX/2020, I used the link in the settlement email to confirm that my data was included in Equifax 's data breach. I tried to complete the settlement procedure, but could not recall the name of the credit monitoring service that is currently monitoring my credit. I attempted to log in to My Equifax to determine if Equifax is currently monitoring my credit. 
1. I was informed by my browser that myEquifax is a high risk web address. 
2. I searched on My Equifax and used that link. When I entered my current password, I was informed that my username and password were incorrect. They were not, but I agreed to reset the password. 
3. I successfully reset the password. I attempted to log in with the new password. I was advised that this was incorrect and was told I had up to 3 tries to access my account. I tried to log in with the reset password and was informed that I was locked out of my account ( at only 2 tries ) and that I had to call an 888 number to unlock my account. 
4. I called the 888 number and answered numerous questions about my credit history. I believe I answered questions about my credit history correctly, but was informed that they could not verify my identity and that I would have to send " documents '' to an address in XXXX, XXXX Equifax does not tell callers which documents to provide to reinstate access to their accounts. 
5. I navigated the phone menu to reach a Customer Service Rep - no easy task. I asked to have access to my account restored tonight. He was unable to help me and agreed to transfer me to a supervisor. He asked for a call back number. He then hung up on me and no one ever called me back. 
6. I called the 888 number again. I got another CSR in Sales. He informed me that he could not help me and that the 1st CSR disconnected me as the Transfer button is next to the Hang Up button on the monitor ( great design! ). He transferred me back to the 888 number. I have been on hold for 40 minutes and am still on hold.

7. I would normally walk away from this entire matter - giving up on the settlement - but I want the ability to put freezes on my accounts and lift them. Equifax 's level of service and the complete incompetence of this organization does not give me any comfort that my information is being appropriately safeguarded and that persons who are authorized to access my information can gain access to it. This is completely unacceptable.
Complaint sub-issue: Card opened as result of identity theft or fraud

My laptop was stolen and my information was fraudulently used to open these accounts i never knew about
Complaint sub-issue: Information belongs to someone else

DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES
Complaint sub-issue: Application denied

XX/XX/2021, I attempted to open credit card with PNC Branch ( XXXX XXXX ) having a personal checking, business checking and mortgage account opened on various dates. 

I was unable to open the card as it was declined on an income - debt ratio and credit score. In XX/XX/2021, I was approved for two other loans from XXXX  a DC lender and a XXXX XXXX XXXX draw loan on the business account XXXX with this checking account. 

Note : I was also informed that I had a low score which has not had an impact during the same time period XXXX - XX/XX/2021 : obtaining international/DC based clients, business rental lease, DC and a job with XXXX, XXXX. 

Based on the business checking account, I'd like to receive a competitive rate credit card for the business account without the harassment of a hard pull lowering the score when I am able to obtain the necessary assets and income which have satisfied federal requirements for loans.
Complaint sub-issue: Debt was paid

IC SYSTEM are attempting to collect {$250.00} debt from XXXX XXXX., which was paid, XX/XX/XXXX thru the debt collection agency XXXX ... After paying I received the confirmation # XXXX ... The derogatory mark was removed from my credit report until XX/XX/XXXX ... I've informed them of this and provided the same info ... I also disputed the claim and they refused to rectify the error. I haven't held any accounts with XXXX in years so there's no reason for this same mark to reappear after being paid.
Complaint sub-issue: Debt was paid

I frequent the XXXX XXXX  in the XXXX  and XXXX  XXXX   XXXX  XXXX  I worked yesterday and deposited XXXX dollars in my account by atm in that transaction the receipt returned XXXX I opened the account on the XX/XX/XXXX2019 I deposited XXXX and my next deposit was XXXX that following month as reported by customer care in the XXXX month the customer care stated that I owed for the tenth month XXXX dollars Wich I paid and she also stated an over draft fee from XXXX XXXX which may or may not be fraudulent I have another bank card that had been stolen funds from by a XXXX XXXX that may or may not be the same that was resolved as I reported it as fraudulent I've bean catching my monthly maintenance fee before every XXXX of the following month I stated that I have overdrafted and they are always below 5 dollars which is a condition I made with my bank to never go over 5 or else make the transaction declined I recalled trying my cards at XXXX XXXX and being told that the funds are not transfefing and then that I I have bean charged I resolved with the other card and the bank operater with the bppb is telling me that I must take it up with XXXX XXXX I assume this is some young personel whom is not aware of my ability to catch the false actions she suddenly changed her statement into me owing from the month of elleven this is XXXX and I payed XXXX dollars on XX/XX/XXXX which was yesterday if I overdrafted from the XXXX XXXX I would owe more than that for over draft fees daily which makes me think the teller may be in thievery or covering the theft as I have bean making payments like this I would have covered the fee with the XXXX dollars I deposited to pay my balance and from my last statement I did not exeed XXXX dollars and I have overdrafted before she attempted to explain that the maintenance fee arrives on XX/XX/XXXX Wich is false for that fact that I bean conducting in this manner and that may dates should match XX/XX/XXXX so I assume she is new and undereeducated or she thinks that I am I called within an hour an 30 minutes from this number XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. 

The new collection agencys name is : XXXX XXXX XXXX  Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. 

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and noticed fraudulent inquiries on my credit report. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Complaint sub-issue: Information belongs to someone else

On XX/XX/20 I had notified all 3 credit bureaus that I have been a victim of identity theft. Provided them with a Police report and a detailed account of what was not mine on my credit report. XXXX and XXXX had done a proper investigation and removed the accounts. Equifax has yet too. I then sent a follow up letter on XX/XX/20 and XX/XX/20 regarding a XXXX XXXX Account XXXX that I never had. They won't remove this account from my credit report and I've provided them the proper and necessary information they would need to remove this specific account. This account is hurting my credit score beyond belief. I've been denied credit because of it and just want them to do their job and remove this account just like the other 2 bureaus have.
Complaint sub-issue: Was not notified of investigation status or results

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Complaint sub-issue: Account status

XXXX, CA. continues to report an auto loan that is in delinquent status which I do not consider to be valid. The account has been paid approximately 3 years ago, and I still see no progress in the correction of this error. This is negatively effecting my credit score, which I need to increase within the month. I am a XXXX in the city of XXXX XXXX, CA. by means of opening my XXXX, a XXXX which will positively impact the labor workforce, and for this reason I am pursuing a loan with the City of XXXX XXXX, CA. Without the credit score increase I may not qualify for the program. Please do look into this and contact XXXX. I need an update of my credit report by XX/XX/XXXX, for I plan on closing on the loan prior to XXXX XXXX, projected grand opening date. 
*Additionally, XXXX XXXX XXXX is reporting a personal loan of {$3000.00} which needs to be researched for I have yet to see any valid documents stating that I owe this amount
Complaint sub-issue: Information belongs to someone else

CHAPTER XXXX BANKRUPTCY : DISCHARGED I requested for an investigation because CHAPTER XXXX BANKRUPTCY : DISCHARGED have nothing to do with me. I am a victim of identity theft and its not my responsibility.. Credit bureaus 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
Complaint sub-issue: Account terms

I can not access Equifax dispute online. I tried to log in and dispute a collection that is outside the statue of Limitations from XXXX. 
The collection amount is XXXX. I have tried for the last four days. 
I applied for a job and they told me due to my collection issue I could not get a job based on my Equifax report. I will provide your with proper documentation pertaining to their removal.
Complaint sub-issue: Debt was paid

A law firm sent to me a letter stating that they were of counsel for XXXX XXXX XXXX , XXXX, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and Crosstown Law, LLC. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by XXXX XXXX XXXX , XXXX. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If XXXX states that they purchased the XXXX debt XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XX/XX/XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of XXXX XXXX XXXX XXXX are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XXXX. XXXX XXXX XXXX XXXX is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
Complaint sub-issue: Didn't receive enough information to verify debt

My complaint is against my mortgage lender Loancare who is not paying a third party debt collector who are trying to collect their fees on delinquent school district taxes.

1. First they did not taxes to school district in year of 2020 leading to involvement of third part debt collector who started sending me notices about delinquent taxes. We informed Loancare about it. The said they will solve it but didnt. No follow up was done.

2. We got second notice from debt collector with increased fees now due to delay. We informed Loancare about it. They said they will resolve it but didnt. No follow up was done.

3. We got third notice from debt collector with increased fees now due to delay. We informed Loancare about it. We started escalating as company did not show any responsibility and accountability. They again said they will resolve it but didnt. No follow up was done. They asked us to call them for follow up this time.

4. We called, they said they have resolved this issue. To no surprise, we got slammed with fourth notice with fees increased again.

5. I tried to escalate with multiple calls. The call center keeps transferring to different managers who says will call back but never do. They never let me speak to their supervisor. They never send any follow up email or calls. They dont allow me to pay off this debt collector and then reimburse me. I am so tired of them. I dont know what to do with their lies and irresponsible behavior.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled the sensitive information of 143 million Americans. Then, they failed to inform the public until a month after it had happened. They have only offered us 1 year of free credit monitoring, which also waives our right to take legal action against them. 

Companies that handle sensitive information like this should be held to a higher standard and disciplined accordingly when things like this occur.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )
Complaint sub-issue: Debt was result of identity theft

1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent
Complaint sub-issue: Debt is not yours

2014 I signed up for XXXX XXXX XXXX using a hot spot tablet. Worked with a salesperson named XXXX XXXX @ XXXX, XXXX XXXX XXXX, XXXX, VA XXXX office. Wonderful to work with until there was a problem. Account was sold as unlimited access but there would be charges if you went over 10 GB so XXXX XXXX sold me in that she would set up my tablet so it would not allow me to ever exceed the max data allowed, so that I would not incur additional charges. Pleased with that, knowing I would not exceed a fixed monthly amount, I proceeded with the service. Next thing I know, I am receiving a large bill from XXXX in the mail. I call, they said I exceeded data, I said oh no, and please shut this thing off now until this is resolved. They didn't. Next thing I know I'm receiving a bill in excess of {$1500.00}. I call back, said I told you to discontinue these services and they finally shut down the account, but with no resolution on fees, just making sure it was closed so I incurred no more charges, but for resolution they told me I had to contact the local store that gave me their word the account was set up to not go over maximum allowable usage before costing me more. No one could ever prove that I did or how I did go over the limit that was to be set up on my account. They said they couldn't prove it, and that was just the balance and my obligation. I literally spent hours over months chasing down managers at both local and regional levels, explaining myself over and over, some phone calls returned, some not, and never any resolution. Now I continue to receive collection notices for 3 times the original and incorrect amount, impacting my credit, due to deceitful practices and inept employees and I need closure. XXXX is big and they don't care on any level about the consumer. They're only worried about their sales goals and bonuses. XXXX needs to adjust this bill and stand by their word and whatever comes from their employees as well, or train them better. XXXX is notorious for this type of thing I have learned, and these tactics, and that should not be acceptable or allowed. The consumer is the victim and at their complete mercy. XXXX needs to keep their word and deliver what they sell. Average consumers like myself don't understand all this high tech. Make them explain it. Make them accountable, too, it shouldn't all be on the consumers. Maybe it's time this industry has disclosures and notices like some of the others, make your major purchase clear and concise, particularly the part about how it can quickly ruin your financial picture with your affiliation with them. They should do more educating than selling. I already have a full time job and can't afford to continue chasing this problem, nor should I have to pay an attorney to be involved. I appreciate your time and assistance with this problem. Thank you.