Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

I was solicited by Citibank to open a new checking account that had a promotion attached to it with a certain level of deposit I was eligible for a {$400.00} bonus after 60 days. It was due to be credited to my account in XXXX and it has not and it is now XXXX. Starting XX/XX/XXXX I called weekly to customer service and was never given a straight answer why the promotional bonus would never credited to my account and they never resolve this issue. It feels like they wanted more deposits for their bank but they're not taking care of the customer and they are using misleading advertising and misappropriating funds that I am due.
Complaint sub-issue: Problem with fees

In XX/XX/19 i called a bank and asked i wanted to close out with them and wanted to payoff credit so im not going to be charged. Cause i had my reasons. I was not going to be on my email, cause i changed it and i was not leaving on same address. I was not going to get any information from them. 
Bank was very nice about it and asked me if there is something they could do so i was not going to close account with them. They offered That i was not going to have any interest with them to pay cause i am such a nice costumer. If i would choose to stay. Never had any late fees and always paying on time. But i still decided to close account. Payed off amount of {$1200.00} that they told me and everything was over. 

After 2 month i was getting on my credit reports late fees from somewhere i couldn't understand. I called all bank companies and was asking what was happening. I called credit reporters and they told me it was discovery. 

I called discovery and lady told me everything was good. But still i went to check my old email. Which was hard to get and I found interest charges of {$22.00}. I was so upset. I called a company again and was asking reasons. They conected me to person who supposed to take care of that part but i was rejected. Person seemed like giving me such a good attitude when i was closing my account. And now i have to live with low credit score cause they didn't do job properly and ruined my credit score which was always perfect. Never ever i got any late fees in my credit history until that mistake of person who supposed to close account and now i have 3 late fees out of nowhere.

Hope this message will help Ask me any more information i need to send.
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft
Complaint sub-issue: You never received your bill or did not know a payment was due

I hope who ever is reading this is having a great day, I reached out to Discover back in XXXX concerning this account letting them know my ex wife had opened this account without me knowing and ran up charges. They never contacted me back concerning this account so I was unaware of my payment due date. I didn't file a police report because I didn't want to see her get in trouble so I reached out to Discover to see what I could do to solve this issue. They never contacted me back and its been two month since I wrote their company disputing this account. This account is locked so I had no way of knowing how much the payments are or the due date. I recently been out of work due to the Corona Virus so its been hard financially. I reached out to Discover to let them know my situation and they said it was nothing they can do to help me I would have to dispute the late charges directly threw cfpb or Credit Bureau. I have never been late on no recent payments and this negative impact to my score has added to my stress during these hard times our country is facing. Can someone please help me with this situation. Thanks have a great day.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.
Complaint sub-issue: Information belongs to someone else

I look at my credit report I called the credit Bureau stating some used my identity apply for items that not competed by me ask them to delete these inquiries and collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX /Bankruptcy XXXX XXXX discharge XXXX # XXXX /Bankruptcy XXXX  XXXX dismissed XXXX # XXXX / Bankruptcy XXXX  XXXX dismissed XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX employed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2014 {$1400.00}.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Complaint sub-issue: Problem with personal statement of dispute

I received a copy of a credit report from XXXX. IT had two actions reported as Potentially negative information - one being late payment history.. My ID Theft Protection provider gave me information concerning making a late payment on an account that has been closed. The XXXX report shows the creditor as XXXX. I filed a dispute with XXXX but the results are not due yet. 

However, when I review the Credit Report there is an indication that the creditor designated may be wrong. I have reported this problem before and it appears as though no correction ( s ) were ever made. The credit world has specific account number designations one being that of DISCOVER. Their credit card no. begins with a XXXX- DISCOVER indicated that there is a LATE PAYMENT history made to Tractor Supply in XX/XX/XXXX. Reviewing the EXPERIAN report I received in XX/XX/XXXX. I noticed that XXXX generated a separate report that cited XXXX listing the first 6-8 digits or so of the credit card number.. When this information previously appeared on a credit report, I contacted XXXX and they told me that credit card designation was for DISCOVER ( XXXX ). This report has never been updated to correct the erroneous information included in the report.
Complaint sub-issue: Information belongs to someone else

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Complaint sub-issue: Can't close your account

I am a retiree. I am writing regarding a health savings account, with Optum Financial, previously called Optum Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I have tried four times to close this account and get my remaining money out. I have been repeatedly assured the account has been closed, and I would receive a check within about 10 days. Each time, the check has failed to arrive. After looking online and finding hundreds of complaints about this bank, I am reporting it. It is a travesty when most bankruptcy occurs via medical debt, and our health insurance system is broken, and powerful interests want to eliminate Medicare and Social Security, and etc., that people who save money for health care are being treated like this. I tried to close this account on XXXX, XXXX, XXXX, and XXXX. Believe me, I have complained to them with increasing intensity. Apparently the bank changed in management during this period, however, the same problem has occurred with both the old and the new management. Something needs to be done. Thank you XXXX XXXX. I never expected to need the services of the CFPB. I never expected that an actual bank could get away with something like this. Also, I believe Optum is owned by XXXX XXXX. Is this not a major health insurer? This is just a travesty, that these big corporations who hold such power are failing so badly.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Since my initial complaint ( Complaint ID XXXX ), the bank has since revoked provisional credit from another dispute and is now stating that I am responsible for a total of {$1100.00}. RE : Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX On XX/XX/2021, I attempted to make a payment of {$140.00} to Afterpay using my Citi credit card. I received a notice from both Afterpay and Citi that my payment was declined. As a result, I used another credit card to make the payment. On XX/XX/2021, I saw that duplicate debits ( four ) of {$280.00} ( double the amount of my payment ) were posted to my Citi account. However, my Citi credit card was not used to make the payment and my Afterpay account does not reflect any payment using my Citi card on XX/XX/2021. My Afterpay account has never exceeded {$560.00}. There seems to have been some type of glitch in Citi 's system and I am not responsible for {$1100.00}. I provided Citi copies of my Afterpay receipt, electronic payment log, and payment schedule proving that my Citi card was not used to make the payment on XX/XX/2021. The evidence was sent to XXXX on XX/XX/2021 and Citibank Customer Service XXXX  XXXX  XXXX, XXXX XXXX SD XXXX via certified mail on XX/XX/2021.
Complaint sub-issue: Reporting company used your report improperly

My social security number, credit card numbers and personal information were breached in the 2017 Equifax breach that was the result of negligent security practices by Equifax.
Complaint sub-issue: Account information incorrect

Flagship Credit Acceptance is reporting fees as a late payment in error.
Complaint sub-issue: Information belongs to someone else

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : VANCE & HUFFMAN LLC Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the accounts removed now! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. IT HAS BEEN MORE THAN 120 DAYS SINCE MY DISPUTE. PURSUANT TO 15 USC 1681, IT IS NOW MY LEGAL RIGHT TO HAVE THESE ACCOUNTS REMOVED. ALSO, ACCORDING TO 15 USC 1681b ( a ) ( c ) ( 2 ), THAT THEY NEED TO FURNISH IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER
Complaint sub-issue: Contacted your employer

Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX CALLS DAILY TRYING TO COLLECT ON A LOAN I DID NOT AGREE. RISE HAD ALL MY CURRENT INFORMATION FOR A PREVIOUS LOAN THAT I HAD AND PAID OFF WITH THEM. I HAVE ASK THE COMPANY TO SHOW ME WHERE I AGREED WITH SIGNTURE TO THE NEW LOAN TERMS. THEY HAVE SENT ME ONLINE CONTRACT DOCUMENTS. I NO LONGER HAVE THE ACCOUNT THEY CLAIM THEY SENT THE MONEY TO. I AM UNSURE HOW I WOULD EVEN BE ABLE TO RECIEVE THE FUNDS. THEY HAVE TWO DIFFERENT ACCOUNT NUMBERS REPORTING ON MY CREDIT FOR THE SAME AMOUNT BUT DIFFERENT REASONS. ACCT # XXXX SHOWS A HIGH BALANCE OF {$2000.00} AND A PAYMENT STATUS AS LATE. ACCT # XXXX SHOWS A PAYEMNT STATUS AS LATE AND CHARGED OFF AS BAD DEBT WITH A BALANCE OF {$2000.00}. AS ANYONE IT IS AGAINST THE LAW TO HAVE TWO ACCOUNTS REPORTING TO THE CREDIT AGENGIES FOR ONE ACCOUNT.
Complaint sub-issue: Received bad information about your loan

Nelnet and XXXX have garnished my wages even though I submitted multiple complaints with CFPB and Department of Education. I properly filed my forbearance request and provided detailed documentation to the service provider Nelnet. I also filed a complaint with Department of Education on XXXX XXXX, 2015 related to numerous internal and CFPB complaints with Nelnet and XXXX. As a consumer, student-loan borrowers have a right to set their monthly loan payments as a share of income. It 's known as " income-driven '' repayment and is touted by the Education Department as a way to keep those borrowers out of default. Nelnet made it difficult for me to arrange any type income-based payment and continued to steer me only into forbearance arrangements and eventually turned into costly payment instead of affordable long-term repayment options that were more beneficial to Nelnet. Nelnet failed to disclose their annual deadline to renew or obscured its renewal notice and recently is the center of a lawsuit filed in U.S. District Court. Nelnet quickly defaulted the loans and inserted a 3rd party collection company to garnish my wages even after a cease and desist complaint was sent due to an open complaint with both the CFPB and Department of Education.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Complaint sub-issue: Account information incorrect

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Complaint sub-issue: Investigation took too long

On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.
Complaint sub-issue: Information is not mine

I am the victim of identity theft and I noticed that XXXX has deleted the accounts that are not mine but Equifax has not done so. As a result I have an 'Excellent ' credit score of XXXX with XXXX and a 'Fair ' credit score of XXXX with Equifax. Another person named XXXX XXXX opened up the accounts using my information without my permission and charged up the cards to the tune of XXXX dollars. I have previously disputed those acounts. I am complaining about Equifax 's false reporting because they are being unfair in keeping those accounts on my record when I did not open them and derived no benefit from the ill gotten gains of XXXX XXXX. This is a violation of the FCRA for which they could be sued. The accounts are : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$7600.00}
Complaint sub-issue: Information is missing that should be on the report

My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Information belongs to someone else

I did not open/authorize these accounts.