Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

My Costco Citibank credit card has a cash back reward program. They send a check that must be redeemed for cash or check in the Costco store. As a result of Covid, I do not go into Costco. I fall into a high-risk category and isolate at home. I contacted Citibank to see what accommodation could reasonably be made in the term of a account credit or mailing a check that can be negotiated through my bank. They refused to make any accommodation, and stated that as a matter of policy, they were requiring individuals to go into the store to cash their check. During Covid they shouldve made a reasonable accommodation to my XXXX, this policy is both unfair and abusive. Citibank has many alternatives available to them to provide relief to the consumer and allow them access to their much-needed funds. I do believe that this deceptive policy has been put in place to limit the payouts under this program as the funds will expire at the end of 2021. I asked them for an accommodation and they refused, I further asked them to register my complaint for their internal system. I asked if it were possible for a family member who I designated with appropriate ID, I could make this transaction for me and they stated that I had to be there in person. There is no ability to retrieve my funds without my physical presence inside their store I asked for an escalation of this problem to a superior, and they said there was no escalation opportunity. I am requesting that the CFPB include this complaint in their review of Citibank Covid response and customers forbearance efforts.
Complaint sub-issue: Information belongs to someone else

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.
Complaint sub-issue: Reporting company used your report improperly

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ). 

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) ACCOUNT : XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.
Complaint sub-issue: Account status incorrect

CFBP Complaint XXXX : Three years ago, XXXX, I signed a legal document with XXXX XXXX XXXX since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with Equifax twice and they have not done so. They say they are reporting what XXXX is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with Equifax. It was XXXX and then it went down to XXXX because Equifax stated that XXXX was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that XXXX said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

Equifax is incorrectly computing my score and evaluating my credit. XXXX XXXX XXXX is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my XXXX accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the XXXX student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to verify an unverifiable account reporting to my profile and i request Equifax conduct an INDEPENDENT INVESTIGATION into this matter. I need Equifax to provide concrete proof/ any documentation provided by XXXX XXXX of this accuracy of this account and not hearsay.
Complaint sub-issue: Need information about my balance/terms

XXXX College XXXX campus XXXX XXXX XXXX XXXX. 
XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX  recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Complaint sub-issue: Problem with paying off the loan

Effective XX/XX/XXXX, I reviewed my XXXX XXXX account as always because I am done with my car loan. I have been told numerous times that my maturity for my vehicle with done making payments will be XX/XX/2020. I have documents in black and white as well. My initial maturity date was XX/XX/2020. But that payment was added on to the end of my loan which made my new maturity date XX/XX/2020. Now, out of the blue XXXX aka Drive Time is saying that my account is past due in the amount of {$290.00}. Which I have spoken with several customer service agents who clearly stated they did not know why the amount was all of sudden on added to my loan balance. I even went inside of the Drive Time location in XXXX XXXX, GA. and spoke with a sales associate name XXXX who consulted with the store 's manager who stated they are unable to provide a logical reason as to why the amount was added onto my loan and to contact customer service on which I did and the customer service agent was not able to provide me an answer as well. I have submitted many complaints in regards to fraudulent information this company is reporting as well as being unethical. CFPB would you please assist me with this issue? Drive Time needs to be fined for being unethical and committing fraud on consumers accounts.
Complaint sub-issue: Trouble with how payments are being handled

My federal student loans were transferred to FedLoan Servicing  XXXX / XXXX / 17 .  AES i s continuing to bill me for federal loans that they no longer service. Additionally, they are billing me for an amou nt three times  greater than m y IBR payment amount even though I submitted documentation to them twice proving my income. They continually say they did not receive my proof of income. I 've sent it twice and asked for confirmation both times but did not receive confirmation. They did not send me a notice that my IBR plan was expiring. My payments simply inc reased. They are now saying I owe more than {$400.00} because of THEIR mistakes and shady business practices.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX {$910.00} There is no valid claim, no contracts exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorfalse claim and reportingI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Information is not mine

I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX AT XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 719XXXX has me at a score around XXXX. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

In my previous complaint I stated that I was a victim of identity theft. The company told me to submit my identity theft report and police report. I supplied both. Yet they are saying that XXXX is saying the inquiry was authorized. I spoke with both companies by phone who stated that since this was an inquiry that I didnt apply for, it would be deleted
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Ive contact the credit card company back in XX/XX/2020. Ive ask them to close my account several time because it was an old account. I stated that needed to clean my account because i was purchasing a home and needed fix my credit. They stated that they will send me a letter with a response about my account and could not help me at that time. Months later when i look at my credit score the only account i see that is delinquent and still no closed it this one which has rendered my credit and my plans of home buying. Ive never owed them anything and kept adding charges to this account. Which has really butchered my credit for no reason.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX  and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you