Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

I 've had the Fidelity rewards XXXX card for several months. The card was supposed to come with an introductory bonus promotion of, I believe, {$100.00}. I have not received this bonus. In addition, I have referred 2 family members for the card and have not received the referral credit bonus either.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
XXXX XXXXXXXX. Reported : XXXX. Balance : {$2800.00} 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 authorization.
Complaint sub-issue: Information belongs to someone else

I was a victim of Identity theft and a result of that several account has been reported in my credit report that are fraudulent and not mine i have send THESE COMPANY all documentation of the illegality of these accounXXXX XXXX XXXX ... 
BEST BUY/CBNA XXXX 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX ... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX ... 
XXXX  XXXX XXXX XXXX ... 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

XX/XX/20 sent certified letter XXXX to Progressive Management disputing alleged debt I have no knowledge of. no response received sent a second certified letter on XX/XX/20 XXXX again no response received. I have not been able to obtain any such verification that the alleged debt exists yet this company continues to report and verify it's accuracy with the credit bureaus. I have never received any bill from XXXX XXXX XXXX. If any charges were owed I do have medical insurance to cover it. this company continues to violate the law causing me to incur financial damages. this account needs to be removed immediately from all my credit bureaus. they need to be held account for their illegal business practices.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me. please remove! } XXXX XXXX XXXX not mine 2 } XXXX XXXX not mine 3 } XXXX XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX  {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX  {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments
Complaint sub-issue: Was not notified of investigation status or results

I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.
Complaint sub-issue: Debt was result of identity theft

Since XX/XX/XXXX, I've been trying to remove 3 fraudulent accounts from my credit report. To this day, the information keeps popping up in my credit report. Most recently, yesterday, XX/XX/XXXX. My credit report has a active fraud alert and credit lock. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
Complaint sub-issue: Debt is not mine

I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-RISK RETAIL- XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, CREDIT PLUS Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be corrected.
Complaint sub-issue: Threatened to take legal action

I was contacted by Collections Inc. on Thursday and was told that they were attempting to collect a debt. I told the representative that I need to take a number and call them back. I was told again that this was an attempt to collect a debt and who the original debt was with. The representative never disclosed where they were calling from and then proceeded to threaten that legal action will be taken by XXXX. the next day. I was also told that they were planning to garnish my wages. I 've never received any letter from this company or phone calls before XX/XX/2017. On XX/XX/XXXX I contacted the company to find out the name and the rep refused to give me their name without verifying my address. I 'm not sure why it was okay to discuss the account with me during the previous call without verifying my address, but they ca n't share the name of the agency without confirming my address. I requested information to verify the debt and was given some information over the phone and was told that I could be provided the account history from the original account holder. I find it disturbing that I was threatened with garnishment the first time the agency contacted me and was n't allowed the 30 days to confirm or dispute the debt. I was told that my file was referred to the legal department. The representative was very unprofessional and rude. She seemed to take pride in the ability to garnish wages. This company uses bullying tactics and preys on the ignorance of others concerning the law to administer unlawful collection practices. They need to be held accountable and so does the Hospital that chose them as a third party service provider.
Complaint sub-issue: Personal information incorrect

During XXXX, I reviewed my credit report with Equifax.com to find inaccurate information that is being reported by Equifax. I contacted an agent during that time to explain the discrepancy. Equifax is reporting a numeric number after my name. On XX/XX/XXXX, I sent the requested documents to update my name. To date, Equifax has never removed this numeric number from my name. It has caused creditors to deny use of there services because of an identity problem. On XX/XX/XXXX, I reviewed the same inaccurate numeric information contained by Equifax, I tried to dispute the error online. I tried to upload my drivers license and open a dispute regarding incorrect identifying information and the upload was rejected, advising I contact Equifax. I contacted Equifax Agent XXXX XXXX. The agent advised to mail my documents. I advised ; I did this in XXXX. I requested that she submit a technical ticket because the information reported is in fact reported and recorded by Equifax. 
I asked for a reference number for the contact call. XXXX advised there was no reference number. I asked for a call escalation and XXXX was adamant that I would not receive any help. Agent XXXX advised that a creditor would need to update my identifying information. I advised I needed further clarification, because I was only aware that ALIAS could be updated by current creditors and NOT account information reported and recorded by Equifax. I then spoke with XXXX XXXX, who claimed to be an escalated account agent. I did not received help from this agent either. XXXX advised I needed to send in additional identifying information by mail. XXXX advised documents forwarded on XX/XX/XXXX were past the 90-day use mark and they were out of date. I asked for identifying call center information and XXXX refused to provide the information. I asked for a reference number for the contact call and XXXX refused a reference number. I asked if the call was the call center? XXXX refused to answer rather I was speaking with a call center representative, or a Home based representative. She was so angry that I asked for this information that she disconnected the call on me. With so many Business changes due to Covid19, there needs to be accountability for reference numbers and rather the agent is refusing to help customers because they are located outside the Business Office. Equifax should be held accountable for both accuracy of what their Business is reporting to Creditors, as well as accountable for the period of a year they continue to report inaccurate consumer information.
Complaint sub-issue: Problem using a debit or ATM card

On Tuesday  XX/XX/XXXX at  XXXX  two transactions in the amount of {$2600.00} were attempted to be used at a convenience store in New jersey . Citibank contacted me after the second transaction and that was declined due to the report. They then called me to verify if I had the card in my possession I stated no, and they shut down that card. I asked for a provisional credit which they processed and filed my report with them. They also asked me if I was willing to file a police report if needed. I agreed.
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On  XX/XX/XXXX  I was informed that they found that the transaction was in my normal shopping behavior ( it was not ) and therefore they denied the claim. I requested to reopen the case by ways of an appeal, they said they would reopen the case but they would not credit my account.
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I then got the following items a police report and a letter from my employer and submitted it to them on  XX/XX/XXXX  stating that this was a fraud transaction and also that I was in another state at the time of the alleged purchase. I was informed on XX/XX/XXXX  that they have not yet reopened the case.
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Citibank has since sent me 4 letters electronically that they have resolved my problem but nothing has yet been resolved.
I also provided Citibank with the detectives phone number, case number and informed them that they have CCTV footage from the theft that proves it is not me.
Complaint sub-issue: Attempted to collect wrong amount

Back in XXXX of XXXX I gave XXXX XXXX {$980.00} to release me from the apartments. The manager told me since I paid the fee it would not go on my credit but they lied to me. I called the apartments in early XXXX of XXXX about the situation and they said that their system is showing that I never lived there.They also put the wrong name on my receipt in which I still have. I have ask for this to be removed from my credit but its still in there.
Complaint sub-issue: Information belongs to someone else

Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation
Complaint sub-issue: Account information incorrect

I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX
Complaint sub-issue: Denied loan

I was approaching my freshman year of college when I needed to apply for a loan because I did not get enough money from Financial Aid to cover how much my schooling was. My school is approximately {$30000.00} a year. In my parents taxes, it says that they make enough to cover what they did not provide from FAFSA. Unfortunately, my parents do not help pay for my schooling, nor do they have the best credit. 
So on XX/XX/XXXX, my step mother used my dads information to be a cosigner on a loan from XXXX XXXX for {$21000.00}. I did not get approved. 
On XX/XX/XXXX, they tried to apply for another loan but using my grandma as a cosigner this time for the same amount, {$21000.00}. This did not get approved either.

On XX/XX/XXXX, my parents tried again. This time with my grandma in laws information for the same amount, {$21000.00}. This did not get approved.

On XX/XX/XXXX, my parents tried one last time. This time my step mother tried to use her credit information to see if she would get approved for the {$21000.00}. This did not get approved. 
As all of this was going on, I had just turned XXXX and did not know how credit worked. So therefore, i was not aware that trying to get a loan would continuously hurt my credit. I was shocked that my parents never made that aware to me either. 
We finally settled for the first loan we applied for that had an interest rate of 12 %!! 
Now, I am going to be a sophomore in college without another loan being approved. I do not know if it is because of these hard inquiries or if it is because of my parents bad credit. I would like to continue my education so I am sure it would help me a lot if I could get these inquiries removed. 
Thank you so much.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/2021 I authorized a payment of amount {$2600.00} to pay off my XXXX XXXX credit card balance. The payment was to come from my Citibank checking account. On XX/XX/2021, the payment of amount {$2600.00} was withdrawn twice from my checking account and paid to XXXX bank. I only authorized the payment once, but two payments of the same amount were made. On XX/XX/2021, I called Citibank to correct the issue and request that the second payment be returned from XXXX to my checking account. They claimed that the payment could not be reversed as it had already been processed and the funds had been available. They claimed no fault as their fraud detection system had not been flagged during the erroneous second payment. I have not been able to get a hold of anyone at XXXX to request a chargeback, but the money is currently a credit on my XXXX account.
Complaint sub-issue: Application denied

It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
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 XXXX ; XXXX XXXX XXXX XXXX Balance {$780.00}
Complaint sub-issue: Billing dispute for services

I opened a credit Card account with Best Buy. I was unaware that I was enrolled into debt protection for the last 10 years. Citi Bank currently works with best Buy and has been charging me for Debt Protection. I was completely unaware of this until now. I requested them to refund me a portion of the charges and they refused. There are months where I paid more than {$11.00}. I believe they charged few at least {$500.00} in the last 10 years.
Complaint sub-issue: Debt was paid

Prior to the collection agency purchasing my debt to XXXX , I paid my debt directly in 2017 and closed my account. I am still receiving communication. I have a balance of XXXX with XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX  XXXX  and XXXX ) The collection Agency JEFFERSON CAPITAL SYSTEM which is on XXXX XXXX XXXX XXXX XXXX, MN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$15000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, equifax, XXXX continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, equifax have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. 2017 equifax breech. info provided to me that my info was lost.
Complaint sub-issue: Having problems with customer service

FedLoan lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.