Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

CITIBANK, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX   XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX  : XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX there was an unauthorised transaction ( {$2000.00} ) on my credit card with a merchant ( XXXX  XXXX XXXX ) in XXXX. I gave the card to the merchant to check if it could be used as it is a USA card but the transaction was not authorised. I disputed this transaction and the credit card company resolved it against me ( on XX/XX/XXXX and again on XX/XX/XXXX ). I made the payment in XX/XX/XXXX.

I went to the merchant recently ( XX/XX/XXXX ) to resolve the dispute but to my surprise learnt that the merchant did not receive my payment. The merchant shared documents which clearly state that the merchant bank issued a permanent debit to their account for lack of sufficient proof. 
When I checked with the merchant bank, they are saying they issued a permanent debit to the merchant. They want my credit company to raise a second charge back request and then they would credit me but my credit company is saying they had already resolved the dispute and can not help anymore ( letter dated XX/XX/XXXX ). They want me to resolve with the merchant but the fact is the merchant doesn't have my payment as it was permanently debited by the merchant bank. 

To summarise, my credit card company resolved the dispute against me and I made the payment. 
The merchant bank issued a permanent debit to the merchant and ruled that the transaction is invalid.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Im a co-signer on a loan with AES and tried to get co-signers relief and was told that 48 months of on time payments had to be made. WTH? 4 years of on time payments when most companies on require 12 months. The customer service reps are rude and they only look to ruining your credit. I cant afford to pay for someone loan due to having to pay for my own along with my other bills. This person now has a job and has been had a husband. Im divorced with XXXX kids I have to take care of of and its a hardship on my to continue to be a co-signer. My credit is being ruined that I worked so hard to maintain by someone else and its totally not fair. I personally think I have been added to some other loans this person has with them that I dont have any affiliation with. I want them to send me the contract that I signed to be a co-signer because personally, I dont recall signing one.
Complaint sub-issue: You never received your bill or did not know a payment was due

Happy XXXX and Happy XXXX! - How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 or 60 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX : XXXX & XXXX XX/XX/XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Formal Complaint : Branch XXXX XXXX XXXX, XXXX XXXX, CA XXXX My wife and I went to the same Bank of the West branch office to open an account with the only purpose of receiving a Welcome bonus of {$250.00} each of us. Total of {$500.00} My wife opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA Myself opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX CA We have a proof of address letter from the Bank of the West. 
Now, I did not receive my Welcome Bonus. 
From the very beginning Manager XXXX, and XXXX knew this situation. That is why they let me open an account using a Welcome Bonus Code ( as stated the letter I provide ). 

I look forward to hearing from you.
Complaint sub-issue: Their investigation did not fix an error on your report

The problem is Equifax is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.
Complaint sub-issue: Debt is not yours

ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX   XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit report that do not belong to me. Please remove them.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2020 at XXXX XXXX  I called Equifax and spoke to Agent XXXX, XXXX XXXX who informed me that my dispute was not updated in their system and could have been shredded but he could not provide me with the details of Equifax 's process when receiving dispute letters. In addition, he confirmed the address I sent the documents were correct as well as the documents provided to identify my identity, cover letter and details of my dispute. I requested to speak to a supervisor and Agent XXXX kept me on a two hour silent hold without any updates on if the supervisor would get on the line. He then disconnected the telephone.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Public record information inaccurate

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Problem accessing account

STARTED SAVINGS ACCOUNT IN. IN XXXX OF MANY WITHDRAWLS STARTED COMING OUT OF MY XXXX XXXX ACCOUNT FROM CREDIT KARMA. XXXX XXXX XXXX XXXX AND MANY XXXX DOLLER WITHDRALALS. WHEN I TRYED TO STOP THEM RELEAZED THE PHONE NUMBER TO ACCESS ACCOUNT HAD CHANGED. XXXX TRACKED MY PHONE TO THE SAME AREA WERE THE MONEY WAS TAKEN OUT AT A XXXX STORE. AFTER MOUNTHS OF DISPUTES AND TRYING TO GET THE NUMBER OFF MY ACCOUNTTHE MONEY WAS GONE MANY CHECKS BOUNCEED AND OVER XXXX IN FEES. XXXX XXXX FILED COMPLANTS CREDIT KARMA REFUNDED AND 1 WEEK LATER THEY TOOK IT BACK. IT TOOK 4 MOUNTHS TO GET THE PHONE NUMBER OFF MY ACCOUNT AND CTEDIT KARMA KEEP DISCONECTTING PHONE CALLS. WE FILED POLICE REPORTS AND CONTACTED FDIC WHO IN TURN SENT US TO YOU.IM SENDING SOME OF THE PAPER WORK THAT SHOWS UNKNOWN DEVICE AND TIME STAMPS THAT ARE TIMES WE ARE NEVER UP AND ON ANY COMPUTER.THIS HAS CAUSED US TO CLOSE DOWN BECAUSE WE CAN NOT RUN CREDIT CARDS BECAUSE OF THE FRURDULENT ACCTIVITY.IT HAS ALSO CLOSED 3 CDEDIT CARDS OF ARES BECAUSE OF BOUNCED PAYMENTS. WE CAN NOT OPEN A ACOUNT WITHOUT PAYING XXXX XXXX A NOTHER XXXX ON TOP OF THE XXXX WE ALLREDY HAD TO PAY BACK TO KEEP OPERATING. THIS IS CRAZY TO STILL BE TRY TO GET THIS RESOLVED
Complaint sub-issue: Information belongs to someone else

I'm a victim of ID Theft. Upon my husband 's death early this year someone got his phone number and used it to access his XXXX XXXX that had all our information. I put a credit freeze on my name. Somehow MoneyLion ignored the credit freeze and opened an account on my name that is NOT mine. Obviously the thieve is not paying the account. now my credit report is being damaged.
Complaint sub-issue: Account status

My XXXX account was cancelled and replaced with XXXX. We were not on any contract and cancelled before any payment was due to XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The collection company AFNI put a collection on my credit report it says XXXX is the original Creditor. 
The only thing I know is that I was at XXXX and a slick salesman talked to me about a TV service and got my information and when he explained what is was in detail I told him I did not want it and to cancel it. He said he wasn't allowed to cancel it. Then 2 days later a box arrived with some connection box came to my house. I immediately called XXXX and told them the story and told her not to charge me anything and to refund anything they had put on my credit card. She told me she would do that exactly and asked me to send the box back to them with the return label inside the box. 
10 minutes after I talked to the XXXX  representative I did exactly that and considered the infuriating issue to be settled. Now I was looking at my credit report to see why my FICO score had gone down and I found out that I had a collection from them on my report. This is fraud plain and simple starting with XXXX using fast talking salesmen to get you to take a service they offered.
Complaint sub-issue: Received bad information about your loan

I agreed to co-sign a {$7000.00} student loan dated XXXX. Two loans dating XXXX ( {$15000.00} ) and XXXX XXXX {$11000.00} ) have since been added to the same account without my knowledge, permission or consent/signature. The two additional loans were not disclosed to me and I only found out when I went to refinance my home that they were in existence. Upon discovering the additional loans I contacted Sallie Mae and reported the loans as fraud filling out a police report in the process. Sallie Mae refused to remove me from the two additional loans stating that as I had signed for the first loan I was then committed as a co-signer to all future loans. This is deeply concerning as based on Sallie Maes logic they would hold me responsible for any future loans as well without disclosure or consent to the amount co-signed. As it does not have my signature I clearly did not approve these loans and therefore should not be held responsible as a co-signer for the additional {$15000.00} and {$11000.00} loans. Please see the contract attached.

In addition Sallie Mae has made no effort to work with the primary loan holder to refinance these loans. The primary has made several attempts to remove me as co-signer once I filled the fraud report.
Complaint sub-issue: Problem getting report or credit score

I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.
Complaint sub-issue: Debt is not yours

I inquired with the company about a debt on my credit report on XX/XX/2018. They responded to complaint with one set of papers trying to say the account for the rental property was mine, when at the time I lived in another state and was working a XXXX XXXX job for 18 years at the XXXX XXXX XXXX I was living in to show I also have proof that I did not get the rental. I asked the company to show me ID used they could not produce one. They have sent me 2 different sets of paperwork.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX ; XXXX XXXX XXXX reported to Equifax a debt from XXXX XXXX of {$1600.00}. 
I disputed with Equifax XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. Equifax only listened to the XXXX XXXX XXXX and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with XXXX XXXX of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXXXXXX 
This debt is still posted on my credit file.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax data breach and believe some of my accounts were compromised.
Complaint sub-issue: Account status

I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Equifax credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
Complaint sub-issue: Problem with rewards from credit card

Citibank approved me for multiple XXXX XXXX credit cards. I followed all of Citibank 's requirements for receiving bonus miles associated with opening the credit cards. XXXX XXXX bonus miles were deposited into my frequent flier account with no problems. Nothing out of the ordinary. 

Today I receive an email that XXXX XXXX is shutting down my frequent flier account for " exploitative practices ''. Literally the only practice I did was meet bonus requirements on credit cards that Citibank APPROVED me for. 

I don't think it is right that Citibank can offer bonuses and perks to third parties, via their credit cards, only to be shut down by the company for which the bonus was intended. 

Again Citibank APPROVED me for multiple credit cards, with bonus offers for meeting certain requirements. Requirements were met, bonus miles deposited into third party frequent flier account. Frequent flier account terminated today for " exploitative practices '', when all I did was open credit cards that Citibank APPROVED me for. 

Is Citibank offering bonuses to third parties on credit cards, knowing that the consumer will have their relationship with the third party terminated for " exploitative practices ''? Did Citibank KNOWINGLY APPROVE me for credit cards with bonuses that they knew I ultimately would not receive? Why approve me for multiple cards if the third party company does not want me to have multiple cards? What is going on here? 

BAIT AND SWITCH!!!!
Complaint sub-issue: Problem making or receiving payments

XXXX, pnc has made changes to their banking and accounts preventing me from linking services toy account to receive money from
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX**** 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.