Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2022
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new Citibank Checking account in XX/XX/2018 in response to a promotional offer. The offer was to open a Citibank Account with {$15000.00} and receive {$400.00} once all conditions were met. As of XX/XX/2018 the terms and requirements were met on my side. I have been in contact with Citibank multiple times with no resolution.
Complaint sub-issue: Didn't receive notice of right to dispute

After viewing a copy of my report, I noticed a collection account placed on my credit eport from FMA Alliance , Ltd. on XX/XX/2019 in the amount {$4400.00}. First and foremost, I have confirmed that the debt collector, FMA Alliance, Ltd is not license in the state of Louisiana to collect on this debt. Secondly, FMA Alliance , Ltd. violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to FMA Alliance , Ltd.? I have never heard of them, have no written contract with them and have never received any benefits from them, yet FMA Alliance , Ltd. has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$4400.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I contacted Equifax about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

there were inquires in my credit report that was not authorized by me. 

XXXX XXXX Date XX/XX/2019 XXXX XXXX XXXX XXXX Date : XX/XX/2019
Complaint sub-issue: Debt resulted from identity theft

I have no idea of the collection accounts
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hi, On XX/XX/2020, I received email from Discover regarding " {$45.00} back when you join XXXX XXXX XXXX ''. Then I signed up on XXXX XXXX on XX/XX/XXXX, but still haven't received my {$45.00} statement credit. 

I have already tried to contact Discover via their online chat, and their agents and supervisors told me that " after reviewing the account, [ he ] found that it did not earn the XXXX XXXX XXXX statement credit. One or more of the requirements were not met. '' Then, I asked which requirements that it wasn't met. Their supervisor told me : There were several requirements which were listed in the email. These requirements include : 1 ) It must have been a new membership 2 ) The new member can not have been a member within the last 6 months 3 ) The offer could not be combined with any other promotions, including membership promotions offered by XXXX XXXX XXXX 4 ) Was only valid for a basic membership ; it excluded Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships or XXXX XXXX XXXX Gift of Membership 5 ) Only memberships bought within the United Sates are eligible Since the credit was not applied, one or more of these qualifications was not met. Is there anything else I can assist you with?

Sill, I have no clue which requirements I did not meet. I feel like that I have been scammed by Discover and request them to pay me back my {$45.00} bonus, since I followed every single step provided by their email promotion.
Complaint sub-issue: Old information reappears or never goes away

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, Equifax and XXXX   removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected 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 ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXXXXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXXXXXX : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Complaint sub-issue: Public record information inaccurate

I have repeatedly asked lexisnexis not only to verify the accuracy of the bankruptcy on my file but as is my right I requested the method of verification ie how the accuracy of this item was sourced ... To this they have not provided this information. 

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. 

Please provide the information we requested ...
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX, I used an app called XXXX to reserve a hotel room at the XXXX XXXX XXXX. One room, one night. When I checked out, the XXXX XXXX charged me, as well as the XXXX website. I complained on XXXX. My bank, Direct Express, wrote me on XXXX, and they did not find that an error had occurred. Yet it still stands as an error against me.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts listed on my XXXX and Equifax credit report are lost/stolen credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$450.00}, and XXXX  XXXX Bank XXXX XXXX, XX/XX/XXXX, balance {$580.00}. The following credit inquiries listed on my Equifax and XXXX credit report are fraudulent, unauthorized and not mine : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Company closed your account

Citi credit card improperly closed my account on XX/XX/XXXX and will not allow me to reopen it and have rejected my application for a new card. Details below : I recently changed banks and added my new bank account information to my Citi credit card account so I can pay my bills. When adding the new bank account number, I mistyped the account number by one digit ( according to the sales representative from Citi who I spoke with on XX/XX/XXXX ), which led to three consecutive scheduled payments to be rejected within 24 hours one for {$380.00}, {$130.00}, and {$7200.00}. The reason for three scheduled payments is because my husband and I split the bills and I miscalculated the total amount we each owed a few times, leading me to add on additional payment amounts from the same account. 

There was nothing fraudulent or nefarious here, just a sleep-deprived, new mom trying to pay my bills and made a *simple* typo in the account number that anyone could make. As soon as I learned of the typo, I corrected it and made the proper payments. 

The typo and subsequent rejection of payments led to me triggering something in the Citi system to automatically close my account on XX/XX/XXXX. I didnt receive any warning saying e.g., weve noticed issues with your payment, please correct this in order to keep your account open. Citi simply shut down my account. The sales representative I spoke to on XX/XX/XXXX indicated that they were unable to reopen my account and unable to override the system to allow me to open a new account. So, I am now XXXX from Citi for an undefined period of time for the simplest of mistakes. I have never missed a payment with Citi and I have never even run a balance month to month. As a loyal customer, I deserve better treatment than this.
Complaint sub-issue: Didn't receive enough information to verify debt

HUNTER WARFIELD, INC Agency Address :   XXXX   XXXX   XXXX   XXXX    XXXX , FL   XXXX   Date Reported :  XXXX /2017 Original Amount Owned : {$280.00} Balance Owned : {$280.00} Comments : No action was taken. No letter was received from Hunter Warfield or their client. I 'm in the process of purchasing the home and saw the debt on my credit report. I called Hunter Warfield to inquire on   XXXX   XXXX   2017 and was told that it was an attempt to collect a debt but they have no information or breakdown of the charge. Explained I did not receive a call, email, or letter from their client regarding any debt nor have I received anything from them. On J  XXXX   XXXX   2017 I called to verify email address and physical address for Hunter Warfield. The rep. gave me the information. However, my email address was blocked. I called back to verify the email and even had another rep. email me and when i replied to her email, it blocked me as well.
Complaint sub-issue: Information belongs to someone else

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Complaint sub-issue: Debt was paid

Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency XXXX XXXX Executive Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX President, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Chief Executive  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : 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.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: Reporting company used your report improperly

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

15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, My name is XXXX XXXX. 
I had a discover card around XXXX and missed two payment because my bank account was in overdraft in XXXX and XXXX of XXXX. These late payment occurred to the financial hardship that I had as a college student. Therefore, I would like to know if they could be removed. 
Thank You, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello Cfpb. I am writing to you all be side of conflict with Credit Karma. I asked them could I change my email address because I have a new one. They first said Yes. Then they said No. Why. Because I told them we can not expose Our information on line. She would not give me a address to send in information. To the Bureau. She only wanted online openly exposed information sent to Her. I told Her No. I am a anonymous body who work sometimes for law enforcement. She still said No. They will not assist consumers to help change email addresses or anything else private. So I am complaining about this matter and to see if something can be done to get service going again. This should not be a factor at All.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax today XXXX XX/XX/2019 XXXX spoke to supervisor XXXX and rep XXXX after realizing that my credit score had dropped XXXX points on XX/XX/2019. I was provided information that the score was dropped because XXXX had reported my loan being in deferment. So I called XXXX and XXXX stated that by them reporting my loan in deferment should not be recorded as derogatory and that my score should not have been effected. They wanted me to provided them with a copy my credit report from Equifax. I called Equifax and got the run-around. They needed to validate my identify. They asked me a series of questions. All having to do with inaccurate info they have on their report which is none of the truth. They ask questions that do not match up to the truth then tell you that you failed authenticity and demand you to fax over a copy of your drivers license and social security card. Not only is this a way for your identity to be stolen, it may be why millions of people were able to get their identity stolen by Equifax, its a scam millions have gone through this process and was told what I was told. They refused to work with me to discuss why my score was dropped and they refused to accept the correct answers I provided them. They ask questions that are in three parts and they say it very quickly and refuse to repeat the questions. They asked me what was my filing date for my BK ; I provided it. They asked about my car loans and payment amounts I provided that. They then ask what was the exact date I applied for an Equifax report, which I have not a clue. They also have different dates as to when my BK was filed and I have my paperwork on everything about my BK and they say it needs to be the date on their report which I do not have!!!! The true dates are what the court sent me regarding my filings not the false info they have. I was trying to get my report from them. They are holding consumers hostage, and using their credit scores against them to satisfy the lenders who pay them to keep our credit destroyed!, so we can be charged higher interest rates. I am livid. There are over a million complaints on various sites about this and what is the CFPB and the FTC doing about this? I was unable to get my report, because they do not want to address the issue of plummeting my score by XXXX points. There was no reason for it. Several people have complained about this very issue. I verified my identity correctly and they want me to fax my SS Card and Drivers license. Why? Because they do not want to correct disputes. They target you after you complain and drop your score even more. Its a game and a dangerous one.  What's being done?
Complaint sub-issue: Account status incorrect

Fed loan servicing is reporting  XXXX  day lates   XXXX   on  XXXX  loans! I have not been late I have been paying over {$1800.00} a month and never missed a payment!
Complaint sub-issue: Problem with rewards from credit card

Citibank made a business decision to close my cash back rewards card. They were supposed to mail me a check of my accrued cash back of {$1400.00}. They never did. I have called four times since XXXX each time I was advised it will take 7-10 business days. Today XX/XX/19 I called they stated the cash back I accumulated was not guaranteed to be sent to me. That was a balance that I accrued and during their decision to close my account which I am still paying a balance for them to send me what I have earned on my account.
Complaint sub-issue: Debt is not yours

I was looking over my credit score through XXXX and noted a derogatory claim I had never seen before. I reviewed it, and it claimed I owed XXXX dollars to Florida XXXX XXXX XXXX. The claim was reported by Amerifinancial Solutions. I have never been contacted by either of these organizations about this debt, nor have I ever utilized the services of Florida XXXX XXXX XXXX. I only learned about this claim reviewing my credit report