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

In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.
Complaint sub-issue: Debt is not mine

XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, after I logged in my Citi bank account web portal with my personal credential, it popped up a window, and showed a message, which says if I apply to open a savings account and deposit certain amount of money, then I will get a sign-on bonus. The bonus amount varies depends on the balance. I followed the instruction and applied for a savings account, and transferred {$250000.00} to this account, and maintains the balance for 3 months, which was instructed by the promotion, and I expect {$1000.00} bonus as shown in the original promotional offer. 

On XX/XX/XXXX, I contacted Citi bank representative through their online chat, and they confirmed my eligibility, and told me the " promotional bonus will be credited to your account within 60 days ''. The screenshot of this conversation is attached. 

After 60 days, on XX/XX/XXXX, I haven't received the bonus as promised, so I contacted Citi customer service again, and they told me they will open a case to investigate the missing bonus. On XX/XX/XXXX, they sent me a message and notify me that I am not eligible for this promotion without detailed explanation. 
On XX/XX/XXXX, I contacted Citi again to try to get an explanation, the customer service representative won't explain.
Complaint sub-issue: Information belongs to someone else

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Was not notified of investigation status or results

My identity was stolden Police report # XXXX XXXX XXXX XXXX XXXXXXXX police There are 3 hard inquires from cbna on my equifax credit report and equifax refuses to investigate it
Complaint sub-issue: Debt is not yours

Failed to conduct a proper investigation and has not responded to my requests in a timely matter. It has been over 30 days since I have requested a investigation. Ive sent multiple letters and have gotten no response.
Complaint sub-issue: Other problem getting your report or credit score

I XXXX XXXX have tried through three separate mail requests to obtain a copy of my Equifax report. I did receive a free annual report from XXXX XXXX and XXXX, but need my Equifax report ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXX and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off.

It is within my rights under the FCRA to request the said  documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX i have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at XXXX XXXX XXXX XXXX XXXX NC XXXX or XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Inquiries : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( FINANCE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As it states in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status

After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX XXXX that I paid off in full. But it is not being reported as so on my credit report.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with XXXX and Equifax about inaccurate information being reported on my credit report on XXXX from XXXX management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Complaint sub-issue: Company closed your account

On XX/XX/2019 my secured credit card was closed unknowingly to my knowledge. My credit card was only behind 2 months. This is a card that I use for everything that a credit card is required for. I was without a job and I called them last month in XXXX and informed them that I am aware that my payment is behind but I have great news I am starting a job soon and will be able to pay my card bill. My secured credit card amount is only {$400.00} and they closed my account after 2 months of missed payment. My card is with Citibank XXXX XXXX XXXX Credit Card. Note, XXXX also accepted my payment and I was not aware that they closed my account. I think that this is unfair and I really need this card. I am trying to maintain my credit and this sets my credit back, big time! Could you please help me with this.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax recently had a data breach. They have a site set up to allow you to check if your data is breached and optionally enroll in credit monitoring : https : //www.equifaxsecurity2017.com/enroll/ when I put my information in, rather than validating if I had a data breach it immediately enrolled me in a credit monitoring service I do not wish to take part in, and presumably exempted me from a class action that I do not want to be exempted from.
You should not be forced to enroll to determine if your data was breached.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have been getting repeated calls from callers saying they are with XXXX XXXX for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from XXXX XXXX. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my Great Lakes account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent XXXX a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have recently sent in a request to Equifax to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by Equifax which is incorrect. 

Moreover, XXXX has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
Complaint sub-issue: Account status incorrect

I applied through XXXX XXXX of XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside XXXX. I received an email from Upgrade and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that Upgrade and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from Upgrade or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed Upgrade sent XXXX emails to me, dated from XXXX to XXXX. It was on XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from Upgrade. I contacted Upgrade and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Complaint sub-issue: Attempted to collect wrong amount

MRS BPO placed a false statement on my credit report that I had an account with XXXX. The account is in the name XXXX. This account was never authorized by me, I never ordered XXXX XXXX, and I owe them no money. I did NOT open an account in XX/XX/2022 as MRS BPO falsely represented. 

I disputed this with XXXX. XXXX contacted MRS BPO and advised them. MRS BPO falsely stated that they verified the debt. 

Pursuant to the Fair Debt Collection Practices Act, I dispute the debt with MRS BPO. The basis for the dispute is I never used the name XXXX, never applied for a XXXX account, never authorized any charges to XXXX, do not owe XXXX. MRS BPO needs to provide a copy of the agreement in question. 

Pursuant to the Fair Credit Reporting Act, the reporting of the account on XXXX, XXXX, and XXXX is not accurate. I never applied for an account with XXXX, never used the name XXXX, never incurred any charges, and do not owe XXXX for any reason.
Complaint sub-issue: Trouble getting, activating, or registering a card

Reliacard locked my account because they said I had to prove my identity, send me ID, S.S., fax it to them. I did on the XXXX different occasions. Then after 3 weeks, now there telling me they still wont unlock it and I have to get in touch with PA Treasury who is impossible to get on the phone with. I need my money, I have bills, groceries, etc! I need help
Complaint sub-issue: Account status incorrect

I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.
Complaint sub-issue: Their investigation did not fix an error on your report

ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX AUTO  LOAN  NO.XXXX.
Complaint sub-issue: Reporting company used your report improperly

to whom it may concern, i dont even remember signing up with kickoff now i have a late balance but im reading what kickoff is about and i seem interested now on maybe i shoud keep this app it states that kickoff actually helps to buid your credit score and that actually get to barrow money it says that i have a 500.00 credit available but i never recieved any type of card also it wants me to put my card information for auto pay i havent even got to do anything i did contact kickoff a couple of days ago and all they told me was that they will get back to me is kickoff even real app now im starting to think i think i contacted them on XX/XX/2022 thank you i need someone to help me to understand more i guess and to send me a credit card and i can actually get on the ball and fix my overdue balance and put auto pay on thank you for your time and help ....
Complaint sub-issue: Problem accessing account

I have been banking with ally bank for about 2 years now. I recently began experiencing issues with identity theft as well as unauthorized usage. I follow the baking rules and file the claim online and submit statements in writing with regards o what I think occurred. This last time I was violated in early XXXX and filed a claim. I was told my new card was ordered and on the at. I started receiving notifications before XXXX XXXX that my card was being declined for charges. I went to check online to see what occurred only to be told that my account is locked and I have no access. I reached out to ally bank and spoke with an agent who asked a series of questions and assured me that by Monday of the following week, I will have access or someone will reach out to me. I didnt hear anything and reached out again and was told it may take an additional week, I called this morning and spoke with an agent named XXXX who advised me that there is no timeframe and I will just need to wait. Meanwhile I have no access to my funds. I asked what is going on and the agent hung up the line. I called back and spoke with investigator XXXX who advised that there is currently a filed dispute with ally bank. She looked at the account overall and the checking account over the past 6 months it had been many disputes. I explained to XXXX that I am a victim of identity theft and went through a similar occurrence with XXXX XXXX XXXX. She continued to ask routine questions and then moved on to advise that with the loss prevention department, they dont have any process or handle with disputes. There was no regard for what I advised and she just explained that this process is not familiar and they are concerned with fraud and security but not me as a customer.