Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 have contacted this company at least 3 times. I have disputed this with XXXX, Equifax several times, as fraudulent. Once I called both bureaus, they keep stating is that it will remain on the credit for 2 years. Also, for the inquiry on XX/XX/XXXX, there isn't even an application per XXXX XXXX. I need these inquiries removed from my report, as they we unauthorized!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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: Reporting company used your report improperly

According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also according to 15 USC 6802, No financial institution is suppose to share information to third party people.

These are clear violations of my federally protected rights.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with XXXX XXXX XXXX was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( Equifax, XXXX XXXX XXXX ) until XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. 

XXXX, after this XXXX dispute, updated both Equifax and XXXX report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? 

The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. 

I disputed this issue with both Equifax and XXXX asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. 

I believe that XXXX XXXX XXXX is trying to unlawfully extend the time that this account stays on my credit report and that Equifax and XXXX is not investigating my dispute correctly. 

I contacted XXXX XXXX in XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. 

I have attached to this complaint the following documents : - Equifax Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of MyEquifax account showing that the date of first delinquency is XX/XX/XXXX. 
- Screenshot of Equifax payment history under this account which shows that I started missing payments since XX/XX/XXXX. 
- XXXX submitted to Equifax when this information was disputed. 
- Payment history document received from XXXXXXXX XXXX in XX/XX/XXXX - Letter with response from XXXXXXXX XXXX  stating this date is correct even after I sent them all the documents that prove otherwise. 
- Dispute results from Equifax stating that the information on my credit report was correct.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights, XXXX XXXX XXXX  # XXXXXXXX XXXXXXXX  # XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Account information incorrect

Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXXXXXX/XXXX XXXX inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX/XXXX XXXX  has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from ALL STUDENT LOAN thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all invalid information on my credit report with Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My purse was stolen ( XXXX police report number XXXX ) and my identity was used fraudulently to apply for multiple accounts. This crime resulted in over 40 fraudulent inquiries, personal identification information, employment information, and other inaccurate information on my credit reports from all credit bureaus.
Complaint sub-issue: Public record information inaccurate

There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Complaint sub-issue: Debt was paid

I had already paid XXXX off 2 years ago and they claim I never did. I have submitted countless items of proof and they keep sending me to collections. Very unethical company.
Complaint sub-issue: Information belongs to someone else

I submitted some reports for fraudulent accounts on my credit report and Equifax did not remove them.
Complaint sub-issue: Having problems with customer service

I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021, I deposited a check into my account to avoid my account being closed. On XX/XX/2021, they told me that my account was closed, the check was not accepted, that I could go deposit it into another institution, in which I did on XX/XX/XXXX. 2021. My wife 's bank accepted the check, put a hold on the funds for XXXX to 5 days. On XX/XX/2021, my wife '' s bank made the funds available to us. On XX/XX/2021 the check was kicked back or returned in other words because Citibank did in fact accept the check. They then proceeded to put a block on my account, giving me no access to my money even though the check has been cleared, and the federal reserve has paid them. I have been told the check in being held because fraud, because the check has already been deposited into another bank, and or because my account was being closed. I have called multi times, i have called the bank who issued the check, saying the funds have been cleared for days. I have gone into the branch. I know that it is illegal to hold a check for more than 7 business days without cause. The check is not going to be returned because the funds have already cleared and my wife 's bank already returned the check for it being accepted into my bank. I have emails saying they accepted the check on XXXX XXXX 2021. Then on XXXX XXXX they said my account was closed, then on XX/XX/2021 they said they accepted the check and funds are available for immediate use. I have talked to two supervisors who said there is no reason for the account to have a hold on it. I had one who tried to remove the hold and was unsuccessful due to the security department not allowing it.
Complaint sub-issue: Their investigation did not fix an error on your report

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX*Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account with {$250.00} promotion bonus last year. In case, I confirmed the promotion details with customer service on XX/XX/20 and received response " The account is eligible for the {$250.00} reward and the conditions you confirmed are correct ''. So I just completed the monthly requirements but never received the bonus. Then I was told " The first month from you opening the account allows you to establish one of the conditions. So as long as you have the conditions on your account you will see the reward starting in XXXX '' from them. Surprisingly I didn't received the monthly reward In XXXX and received the response " We do apologize for the delay in following up on this situation. In completing further research, the account is not eligible for the reward due to the opening date. The account was opened on XX/XX/XXXX and we did not begin the promotion until XX/XX/XXXX. I could provide the screenshots to confirm I did see the promotion in XXXX last year but it never mentioned the period ( please see the link also https : //www.investorseaccess.com/Checking? utm_source=InvestorsBank & utm_medium=email & utm_campaign=eAccess % 20Checking % 20Launch # FAQs ). I confirmed twice with the promotion but they said I was not eligible for this bonus after completeing the requirements? It was actually a fraud and wasted my time and money during such a hard time. 

The promotion details : Bonus is up to {$250.00}, {$25.00} per month for 10 months. To be eligible to receive monthly bonus you must maintain a monthly average balance of {$1000.00} or more AND satisfy one ( 1 ) of the following transaction activity requirements : you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted XXXX XXXX who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my FICO score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Over thirty d
ays ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter out XX/XX/2022 to Equifax XXXX XXXX, however its been more than 60 days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.
Complaint sub-issue: Public record information inaccurate

In XX/XX/XXXX, I received a notice from one of my credit monitoring companies, stating that a bankruptcy that I had disputed with the credit bureaus, had been removed from my credit report. On XX/XX/XXXX, I printed out a copy of that report. On XX/XX/XXXX, the credit bureaus added the bankruptcy back my credit report, as a new bankruptcy, without notifying me within 5 days. Violating the Fair Reporting Credit Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). You will see from the  documents I submitted.
Complaint sub-issue: Reporting company used your report improperly

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give Equifax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.
Complaint sub-issue: Can't qualify for a loan

I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.
Complaint sub-issue: Debt was paid

In XXXX I disputed a debt with XXXX for {$680.00} as it was referred to collections at IC Systems. IC Systems was suppose to investigate however XXXX failed to respond to them. Even though IC Systems has been unable to validate the debt, they continue debt collection efforts in violation of the law and has reported to my credit.