Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Funds not received from closed account

Citibank is still refusing to send me my money after my account was closed. So found out today they are trying to say my account was closed on XXXX XX/XX/XXXX which is very untrue. This is an indication of deceptiveness of this bank. My account was to be closed around the XXXX or XXXX of XX/XX/2022. Then the phone was hung up on me in one instant and I called back. The fourth representative told me about the wrong closing date of account and then she said the system automatically prints out a check and I should have received it XXXX days after account closure. She couldn't tell me if the check had already been printed and mailed. 

Lie after lie, day after day. This company is disgusting as it gets. Day after day trying to get what belongs to you shows how much these people and company are thieves as clear as day. Holding on to other people 's possessions and assets that don't belong to them. 

On on other hand, I see they are giving people money to open accounts. They are probably using all of the money they are freezing in peoples accounts or refusing to refund back to attract others to this scam of a company.
Complaint sub-issue: Attempted to collect wrong amount

I was contacted by CKS financial through a letter that they are representing XXXX XXXX a debt collector company. I vehemently disputed the incorrect and inconsistent content of their letter. I have sent a request for debt validation to the company since the original lender will not provide me with any documentation.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
6. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Complaint sub-issue: Problem with rewards from credit card

Hello, On Wednesday, XX/XX/XXXX, I received an e-mail from XXXX XXXX from XXXX XXXX AAdvantage Corporate Security stating that my AAdvantage  account ( # XXXX ) was terminated. This termination e-mail included forfeiture of all membership benefits, miles, and award tickets. 

I suffered substantial financial loss as a result of this termination, including : 1 ) About XXXX XXXX  Miles - Approximate Retail Value $ 14k USD. The vast majority of these miles came from financial products ( e.g., credit card bonuses, hence why I am filing with the CFPB ), and a handful came from actually flying with XXXX. 
2 ) 2 return flights back from Hawaii, where I was on vacation with my partner - meaning that we needed to book return flights for a last minute Holiday season ticket back to New York from Hawaii. 

The termination and subsequent forfeiture of miles and the award ticket were surprising to me. The e-mail sent was vague and did not specify a specific infraction, but cited " fraud, misrepresentation, abuse, or violation of applicable rules. '' To the best of my knowledge, I did not participate in any form of fraud, misrepresentation, abuse, or violate any rules laid forth by the AAdvantage Terms and Conditions. I have attempted contact with XXXX  8+ times and have not yet received an explanation. To that end, I have filed a complaint with the DOT regarding XXXX. 

However, Citibank is also involved in this. The vast majority of my miles were earned through credit card sign-up bonuses, whose offers were sent to my postal address via USPS. I filled these offers out with my legitimate information and several times spoke with Citibank Customer Service Analysts in order to be approved for these cards. I met the requirements to earn the sign-up bonuses in a legitimate fashion. With XXXX  terminating my account, all of the bonuses I earned with Citibank are rendered void. I have attempted to contact Citibank regarding this issue, only to be told that there's nothing that they can do about it and it's all on XXXX  's end. 

However, that's misleading and fraudulent. They entered into an agreement that now I am being punished for - and I would like to seek that Citibank rectifies this by doing the following : 1 ) Working with XXXX  to reinstate my account along with my forfeited miles - they have corporate partnerships that should make this relatively straightforward. 
2 ) If the first is not possible, for Citi to award me an alternate currency for the award miles that I was not able to use - either in USD or an alternate points currency - Citi has an alternate award program TYP, that they could convert my sign-up bonuses into. 

I'm happy to provide any additional information, including correspondences, screenshots, etc. 

Thank you very much for your help in this matter. 

Best wishes, XXXX
Complaint sub-issue: Account status incorrect

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Complaint sub-issue: Problem during payment process

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX  XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXXt {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by US Bank at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet US Bank Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XX/XX/XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
Complaint sub-issue: Information belongs to someone else

I tried to apply for credit in XXXX of XXXX  and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX OF XXXX For the amount of XXXX, i also have a account with XXXX  XXXX on my profile for the amount of XXXX. I have not done business with either company and These XXXX companies needs to be deleted off of my credit. THIS IS FRAUD
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/2022 ; XXXX
Complaint sub-issue: Problem during payment process

I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!
Complaint sub-issue: Account information incorrect

On XXXX XXXX,2017 I submitted a formal request to have Citibank NA and XXXX XXXX ( collection agency ) validate the alleged debt and information appearing on my credit report ( XXXX ). Citibank account number XXXX, alleged amount owed XXXX. I wrote the request within the 30 day period as requested by XXXX XXXX, the collection agency. On XXXX XXXX, 2017 XXXX management wrote a confirmation letter of the receipt of my request to validate debt and all information reported by Citibank on XXXX. See attached docs. It is now XXXX XX,2017 and Citibank and XXXX XXXX have failed to provide me debt validation and validation on the information reported on XXXX. This is a violation of FCRA and the account should be removed immediately due to their failure to provide proper validation as required by the FCRA. I have disputed this many times with Citiback and XXXX. If they are unable to provide documentation proving their information is accurate the account should be permanently removed from my XXXX credit report. Letter and tracking attached.
Complaint sub-issue: Problem accessing account

Ally Bank regularly blocks my access to my account. I have complained to the Bank several times, most recently on XXXX XX/XX/2023, but the problems continue.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX XXXX, the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
Complaint sub-issue: Information is incorrect

I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. 

thx! 
XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.
Complaint sub-issue: Their investigation did not fix an error on your report

During the middle of XXXX through presently XXXX I have consistently been in contact with Equifax Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of many that was received on XXXX at XXXX am. Despite my continuous efforts, Equifax has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Equifax has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and XXXX continues to fail to comply.
Complaint sub-issue: Account status incorrect

Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
Complaint sub-issue: Their investigation did not fix an error on your 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. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$110.00}
Complaint sub-issue: Reporting company used your report improperly

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Complaint sub-issue: Account status incorrect

I requested and was granted forbearance on my mortgage with XXXX XXXX XXXX. It is showing as delinquent on XX/XX/20 my credit report and my credit score has tanked.
Complaint sub-issue: Cashing a check

I received a check in the amount of {$1700.00} for an item that I was selling. I deposited the check on XX/XX/21, waiting for it to clear from " pending '' so that I knew it was in my account. When it cleared the next day as shown on the PNC app, I sent a part of the check to movers on XX/XX/21. The check bounced a few days later on XX/XX/21. 

I called the institution to argue that according to the app, they had released the money into my account without checking for the fictitious check. They said nothing could be done. 

The bank has a system that told me the funds were not " pending ''. The representative told me the check takes longer to verify than the date the funds get released into my account. Why is there such a discrepancy and why even have the word " pending '' then?
Complaint sub-issue: Company closed your account

After a couple months of getting things in order on my credit reports, I applied for a discover secured card on XX/XX/2020 for which i was approved! Great right? Wrong! After Discover approved my application, I received a link for to have my identify verified through XX/XX/XXXX. During this time i had no access to the online platform or anything. After I sent my information to verify my identity i was told my account would be closed. WHAT! Thats absurd! Theyve already placed an inquiry on my credit report, which in return i lost a few points. They also already reported the account on my credit report which also caused my credit age to decrease.. which also caused a loss in points. This is ridiculous! So i have to deal with a new closed account on my credit, a new inquiry and i have 2 wait 2 whole months just receive my deposit back?! I didnt take that long for them to withdraw the deposit, so it shouldnt take that long to release it!
Complaint sub-issue: Their investigation did not fix an error on your report

In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX  , more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated   XXXX   XXXX   XXXX  , the account first became delinquent on   XXXX   XXXX   XXXX  , although  one  credit file has the first delinquent date as   XXXX   XXXX  . Another credit file has the date of first delinquency as   XXXX   of  XXXX . I have attached copies of the credit bureau files for reference.