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

I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Didn't receive terms that were advertised

I am complaining about a XX/XX/2019 Citi Bank Promotion, that I infact followed there terms and never got paid. I specifically opened an account and transfered money out of my high interest money marketing account, just for this promotion as it sounded like a great deal. 1 year later and have yet to receive the money. Meanwhile im having to pay {$25.00} every month to keep my account open while i fight this matter. They are a complete fraud. Poor customer service. After making a report and them looking into this matter, they still sent me a letter telling me i didnt keep the required XXXX in there account for 60 days. My account had more than XXXX untouched for 5 months. 
The promotion was as follows : Citi Account Package {$400.00} Offer Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/2019 to XX/XX/2019. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
I did all of the following. There first excuse was i never deposited the XXXX in time, which was a lie, i opened my account over the phone with there representative who made some sort of error where they claimed my deposit bounced for insufficent funds. I have proof it shouldve never as i never had insufficient funds. They fixed that and assured me i still qualified for the promo. So i went thru with it. Now 1 year later they sending me a letter stating my account didnt qualify as i didnt maintain XXXX in my account for 60 days. Another bs lie, i have my statements to prove so. This whole ordeal trying to get the situation solved has been more trouble than anything. Had i known this is what i would have to deal with to get paid the {$400.00} promotion, i wouldve been better off keeping my money in my money market account earning interest. This is unacceptable. I feel they owe me {$400.00} plus the monthly charges they continue to take from me while having to keep my account open long enough for them to fix there scandless careless errors. Totally unfair and a fraud and i noticed i aint the only one with this problem as i noticed a woman had to take it to the channel XXXX news to get her money. Totally rediculous.
Complaint sub-issue: Reporting company used your report improperly

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # 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 writing instructions.
Complaint sub-issue: Trouble with how payments are being handled

I have received confusing and contradictory information regarding my repayment options. I tried to resolve this on multiple occasions without success ( lack of communication from my servicer, FedLoan Servicing ). My bill then increased by over 100 % ( approximately 3,000/month ), still without any communication. 

I have been in the IDR plan for many years. My income increased this year, and when I went to recertify, I was told that my application was on hold. Here is a timeline of events : XX/XX/2019 I received an email notice that I need to recertify my IDR XX/XX/2019 I received email confirmation that my IDR request was received. I was informed it was on hold, and that I would receive additional information after XX/XX/2019 when my final payment posted. 

I never received this email. I logged into my account in XXXX and the progress of my request said " denied. '' This message was present : " We were not able to process your recertification request for your IDR plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. This letter never arrived. 

I never received this letter. 

XX/XX/2019 I sent an email communication asking for more information. A day later, I received a letter stating that I would remain in the IBR plan, and that my payments would be ~ $ XXXX/month. At the same time, the next balance statement for me stated I would owe ~ $ XXXX. I did not receive a reply to my email inquiry about this. 

The bill stayed at XXXX despite my email request for more information, and I was charged XXXX ( approximately 50 % of my current monthly take-home pay, and about 25 % of my household income ). On top of that my outstanding interest was capitalized, presumably because I was changed into a new plan? 

I completed my paperwork ahead of time, and tried on multiple occasions to figure out the problem. I received no direct communication despite my attempts at email, and as a result of the inability to resolve the problem had a massive jump in my monthly payment as well as a capitalization of my interest. 


A second complaint, though more minor is equally frustrating. A loan repayment assistance program to which I replied requested a " total payoff balance '' statement from my servicer. I sent 5 emails over two weeks requesting this, and never received a single response. The deadline from the assistance program has now passed, and it may affected my eligibility for assistance.
Complaint sub-issue: Account status incorrect

I have disputed the late payment on this XXXX  XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Trouble getting information about the card

Numerous attempts to confirm the balance on the XXXX XXXX XXXX card online have been unsuccessful. I attempted to transfer the full amount to my bank account via thier system and the system kept freezing before I could submit the info re my account. In retrospect I am glad, because I have no desire to provide this info to a third party. In the same way that I don't allow the IRS access to my bank account. And in order to get the full amount out in cash will require 3 separate trips to an ATM and then to my bank to deposit that cash. Not a good idea with covid 19 Why were we not given the option of receiving a check in the same way we receive any tax refund?
Complaint sub-issue: Information belongs to someone else

I HAVE SENT MY IDENTITY THEFT PACKAGE TO EQUIFAX AND THEY ARE NOT COMPLYING WITH FCRA WHICH STATES TO REMOVE ACCOUNTS WITH IN 4 DAYS AS STATED , per FCRA Section 605 B.
Complaint sub-issue: Not given enough info to verify debt

I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Problem with statement of dispute

I have repeatedly disputed false inquiries on my credit report with Equifax while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Equifax has failed to remove these false inquires. Please uphold them to their jobs.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on my credit report.
Complaint sub-issue: Reporting company used your report improperly

So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, XXXX and Equifax. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.
Complaint sub-issue: Charged too much interest

Complaint for {$2.00} minimum interest rate charge. 

I try to keep a XXXX  balance on my Macys credit card. 
I had a zero balance. 
XX/XX/20 charged {$68.00}. 
XX/XX/20 I went to pay my balance but it said it was {$70.00}. 
XX/XX/20 I paid the {$70.00} for fear that if I didnt, it may cause me issues. 
XX/XX/20 I called and spoke with Macys. 
The representative said he would speak with someone about reversing it and put me on hold. He came back a few times and said he was completing it. Seemed like he didnt want to answer what it was for other than to tell me that it was a minimum interest charge. He was very quick each time to keep me on hold. 
He came back and said the reversal was complete. When I asked if I was to expect it to happen again and why was I being charged this, he disconnected the call. 

I shared this with a friend and she told me that the same thing happened to her so she cancelled her credit card. 
I dont want to cancel my card but have never been charged a fee like this previously on my Macys card.

Is it ok for them to do this? Seems a bit sketchy to me and with the millions of Macys card holders out there, {$2.00} for each adds up to a lot of money. 

Attached are : the receipt for {$68.00} on XX/XX/20. 
Statement showing the {$2.00} fee. 
Snippet of the {$2.00} fee. 
Statement closing date of XX/XX/20 showing the {$2.00} balance.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
Complaint sub-issue: Card opened as result of identity theft or fraud

I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .
Complaint sub-issue: Reporting company used your report improperly

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


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I have been paying my student loans for more than 10 years thinking that I was accruing the eligibility requirements for participating in the Public Service Loan Forgiveness program. At no point was I notified by my loan service provider that the federal loans I had did not qualify.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

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

Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX ****XXXX ; 3. XXXX XXXX ****XXXX ; 4. XXXX XXXX XXXX ****XXXX ; 5. XXXX XXXX ****XXXX ; 6. XXXX ****XXXX ; 7. XXXX XXXX ****XXXX ; 8. XXXX XXXX ****XXXX ; 9. XXXX XXXX ****XXXX ; 10. XXXX ****XXXX ; 11. XXXX ****XXXX ; & 12. XXXX ****XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX ****XXXX, XXXX ****XXXX, & XXXX XXXX ****XXXX ). However, I have noticed that the information being reported on my credit reports by Equifax is incorrect. Equifax shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Equifax for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Equifax claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2017 RE : CFPB Complaint ID # XXXX XXXX, Equifax XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, 2017 credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Complaint sub-issue: Account information incorrect

I filed a complaint with equifax on  or around 2015 r egarding incorrect information appearing on a credit report involving  XXXX . It was reported back to me that this case was incorrect and would be closed with no consequence to my credit. and all reporting would be updated. This is Still showing up on credit reports. The la st one I looked at was with   XXXX   XXXX   and it shows as a collection. This is incorrect and needs to be updated as it is affecting my credit score.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Complaint sub-issue: Debt is not yours

I received a letter about a debt I have no idea what /where/when this debt accord because I don't even have a computer or anything that would caused that much to repair, none the least even know who these people are.