Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sent card you never applied for

On XX/XX/2019 I received an advertising promotional email from XXXX XXXX listing the 10 best 0 % introductory credit cards for balance transfers. I'm in the market to do that so I clicked through and read the different choices available. Citi Card Double Cash card came up that said " Click " apply now '' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases ''. I wanted to know the balance transfer fee amount so I could compare to other cards so I clicked the Apply Now button. It then lead to the Citicards website where it asked for income, social, address and phone. All the while, i'm still thinking i'm just seeing how much my balance transfer fee will be. The next screen then said " Congratulations you're approved! ". I was not ready to apply and did not want that card. I called right away and was transferred to 3 different people. The final lady which told me it can not be cancelled and that even though the link said that I should have known that apply now meant apply now. I told her that the advertising said differently and have a screenshot of the website. She was very rude saying she couldn't see it or do anything about it. I would have to wait until I got the card, then cancel it. Which I don't want to do because now my credit will show I opened and closed a card right away. I also asked if they were going to reach out to XXXX XXXX regarding that verbiage and she said no. Since XXXX XXXX represents their product and i'm sure someone in legal approved that verbiage before allowing it to be on the XXXX XXXX website I would think they would want to fix it so other consumers are not confused. This was very deceptive and it is unfair that I am now stuck with a credit card I didn't want. This is a UDAAP and I told the lady that at Citi and she said, well file a complaint then. So here I am.
Complaint sub-issue: Information belongs to someone else

Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with XXXX upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with XXXX XXXX  and one with the XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Reporting companies are reporting that I have 30 days late of a payment that I made to XXXX.

I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Reference Account XXXX Late Payment XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency ( XXXX, Equifax, and XXXX ), has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. Pursuant 15 USC 1666b, a creditor may not treat a payment on a line of credit late for any reason/purpose without due process required in section 15 USC 1637b , is mailed to the consumer not later thank 21 days BEFORE the payment DUE date. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to resolve this issue with the three major credit reporting agencies since XXXX of XXXX. I had noticed that information was not reporting 100 % accurate when I had reviewed my credit report so I requested for an reinvestigation to be done on this disputed accounts. So XXXX had verified one particular account number while Equifax claimed to verify a different account number which were shorter in digits. XXXX never provided results. When that happened, I went straight to the furnisher and disputed both verified accounts pursuant to my rights to do so under the Fair Credit Reporting Act under section 623. I also requested that the furnisher provide me with the original contract for the verified accounts and they failed to do so. I then gave the furnisher notice of their failure to verify the account and the letter got returned to me though my previous direct dispute letter did not. I attached it to the documents submitted with this complaint. 

When the furnisher failed to verify the disputed accounts, I reported them to the Federal Trade Commission for identity theft. After I got my FTC report notarized I sent a identity theft dispute to all three major credit reporting agencies on XX/XX/XXXX via certified mail. The tracking numbers are as follow : XXXX tracking # : XXXX ; XXXX  tracking # : XXXX ; and Equifax tracking # : XXXX. See attached. Equifax, XXXX and XXXX all received my identity theft dispute letters no later than XX/XX/XXXX. 

According to the FCRA the credit reporting agencies were to block and delete the disputed information within four days of receiving my identity theft dispute letters but according to my most recent credit reports, the disputed account has not been blocked or deleted. XXXX claimed to have verified the account again but that is impossible when the furnisher failed to verify the account when I disputed it directly with the furnisher. XXXX also failed to do the investigation within 30 days. Equifax and XXXX never sent me results for my identity theft dispute. 

This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. The credit reporting agencies also violated 15 U.S.C. 1681c-2 ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ... '' And Equifax and XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) because my investigation took longer than 30 days to complete and they failed to send me my dispute results.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted and notified all parties involved : ( XXXX, Equifax, XXXX, Us Dept Ed, and Dept Ed/XXXX  ) of these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XXXX {$5900.00}, XXXX XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.
Complaint sub-issue: Public record information inaccurate

A joint bankruptcy which was filed in XXXX of 2013 still appears on my Equifax and other credit reports. Im asking that this now be removed as it was discharged and more than seven years have passed. This case was filed in XXXX. I now reside in XXXX. Thank you very much. 
XXXX XXXX XXXX
Complaint sub-issue: Public record

Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. 
XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent XXXX XXXX and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX- XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all XXXX should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. Equifax did not respond at all. XXXX sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of Equifax, XXXX, and XXXX.
Complaint sub-issue: Investigation took more than 30 days

XXXX   XXXX   did n't replying in a timely manner to my initial letters, or have they to date after  4 c ertified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action (  or in-action ) on their behalf has resulted in a small claims action against their company in   XXXX   XXXX  .     As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   did not reply.
Complaint sub-issue: Information belongs to someone else

Equifax: Shows a address as my Current Residence and I've never lived there? The other two (2) Credit Bureaus have the Correct Address! I'm afraid my information may have been impacted due to Hack of Equifax or XXXX XXXX. I had two (2) accounts with XXXX XXXX, One (1) which I never used with a XXXXcredit limit. Someone obviously had access to my information. The account described was eventually stolen and Charged XXXX? XXXX XXXX has cleared the account but my credit scores have suffered. Equifax has me jumping through hoops to get MY CURRENT ADDRESS changed on their records! What if they do a mailing with more of my information, to the WRONG address?I am XXXX  years old and my credit is vital me. I'll appreciate any direction you may offer. ( I'm not very good at composing business these days, hope this makes sense to you.) Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX *Last 4 of SSN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through Equifax, XXXX and XXXX in XXXX and XXXX of XXXX, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.
Complaint sub-issue: Didn't receive enough information to verify debt

I. C. System, Inc. called a number, asked if I was XXXX XXXX. Asked if I receive mail at XXXX XXXX XXXX in XXXX CO, I said yes. I could be anyone. They read me a " mini-miranda '' and proceeded to reveal personal information about the debtor to the caller about my private and confidential business matter with XXXX. At no point during the call did I.C. System attempt to get me to identify myself with the last 4 of my social security number, my address etc. They only asked if I was " so-and-so '' and if my address was " so-and-so '' and proceeded to release my personal information to a random party. This is a vulgar violation of the FDCPA.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

IC systems has violated my Federally Protected rights, I have not given IC Systems the prior consent to contact me which violates 15 USC 1692c ( a ).. I do not owe a 3rd debt collector nor am I responsible to pay one pursuant to 15 USC 1692a ( 3 ) this is an alleged debt and you are now on Notice To Cease & Desist all communications from me from all mediums as stated in attachment
Complaint sub-issue: Account status incorrect

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was sold on the offer of 0 % apr promo, and never received any emails or mail statements. Right after I was diagnosed with XXXX and was hospitalized for most of the time, After 3 months when I called the credit card company to find my status. I realized that I have not been making payments, since I was under the impression that I was on autopay as with all my cards the minimum would be automatically deducted from my account and Id be able yo utilized the promo. With out paying any interest. But not only the charged interest each month, they also reported me as a late payment to credit bureaus, tarnishing my credit for the first time in my life and at a time that could really hurt me financially since I needed to refinance my mortgage. After many aggravating phone calls with the managers they refuse to do anything to remedy the situation or reverse the fees and interest charges that were applied which should have never been applied since I was sold on the idea of zero APR. 
At the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnishedat the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnish credit report. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and Advertizing all their clients to sign up with them. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and advertising all their clients to sign up with themAt the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried. At the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried
Complaint sub-issue: Information belongs to someone else

My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.