Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXXXXXX XXXX, XXXX, 2021 XXXX XXXX XXXX  XX/XX/2021 XXXX Card services XXXX, XXXX, 2021 XXXX XXXX Bank XXXX, XXXX, 2021 XXXX cards XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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.
Complaint sub-issue: Didn't receive terms that were advertised

XXXX of this year, I received a promotional email from Citibank that advertised a bonus of {$400.00} if I open a new saving account and fund the account with {$100000.00}. I opened the saving account online following the promotion and funded the required amount, patiently waiting for the bonus to show up. 
Reading the fine prints in details, I waited for a few months and never saw the bonus. I then contacted Citibank. The response after their investigation was that the Promotion Code XXXX was not targeted to my account, unless I can provide evidence. Funny thing that I never even mentioned that was the promotion code I signed up with. 
Luckily, I have at least XXXX emails from Citibank that shows this Promotion Code XXXX was indeed targeted to my account. The promotional emails have my name, my checking account number ( ending XXXX ), and all the fine prints and promotion code clearly spelled out. Then I went through a month of XXXX trying to provide this evidence to Citibank. I've spoke to 3 supervisors and countless representatives. I have emailed them the evidence 3 times, faxed 1 time, and even had my local Citibank representative to manually upload the evidence emails to the case. Four cases were opened for this investigation, and all 4 cases resulted the same resolution - Promotion Code XXXX not targeted to my account. I patiently tried again and again to provide the evidence and at my last encounter with a supervisor, she was finally able to locate my emails and promised to attach my emails to the case, yet the case still resulted the same resolution without ever mentioning my evidences. I'm truly disappointed in how unethical Citibank tricked its customers to sign up for a promotion that was set up to be a trap. I'm writing to demand my {$400.00} bonus. Please see my attached promotional email from Citibank in XXXX, XXXX, and XXXX, each indicated that this promotion was targeted to my account, with my name, checking account number, and the promotion code in clear text. I'm also including 2 of the 4 cases resolution letters from Citibank ( Dispute case # XXXX and XXXX ).
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022 I called XXXX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from XXXX nor Receivable management Systems. While I was on the phone with an XXXX XXXX, I informed her that I already called Receivable Man Sys and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did XXXX obtain to verify the debt and the Rep aid she did not see anything there, even though the account has been disputed before and XXXX allegedly completed an investigation but does not have any documentation regarding the debt. XXXX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.
Complaint sub-issue: Debt was paid

I dispute that I owe any debt. Bay Area Credit Service is trying to collect a non existent {$200.00} debt for a super speeder fee in the State Georgia plus {$50.00} for a fee. I never had a {$200.00} ticket. I had a ticket that was reduced from {$650.00} to {$210.00} by the XXXX County 's prosecutor through negotiations I did with him personally the day of my appearance in Court. I paid this fee on XX/XX/19 to the XXXX County Traffic Court, payment that the Court memorialize in the summons and in a receipt it provided me. 

Accordingly, not only did Bay Area Credit Services failed to verify a debt existed, which makes its action or inaction a violation of the FDCPA, but Bay Area Credit Services also misrepresented any so called debt amount and harassed me by sending a debt collection letter to my work address in XXXX XXXX. I received this letter on XX/XX/19.
Complaint sub-issue: Account information incorrect

They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

My account with PNC was closed in XXXX of 2019. Since then this account has reported inaccurate negative information on my report. I have disputed the 30 days late payment that is showing on my report multiple times and have tried reaching out to PNC and all the credit reporting agencies. PNC tells me to dispute with the bureaus and the bureaus tell me to dispute with PNC. They are giving me the run around.
Complaint sub-issue: Problem getting my free annual report

On XXXX, XXXX, 2015, I contacted all three credit reporting agencies by phone, to get my free annual credit reports. It was indicated that it would take about fifteen ( 15 ) days to receive the reports. As of today, I have only received one, which is from XXXX. I have not received any correspondence from Equifax or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continually refusing to remove fraudulent information from my credit report. I have supplied Equifax with all the documents needed to delete this fraudulent account from my credit report however, Equifax is refusing to remove this information. In addition, each time I submit my personal documents to substantiate my identity Equifax continually send me letters telling me to verify my identity when I have already provided documentation of my identity with the request to have the fraudulent information deleted the fraudulent account is XXXX XXXX XXXX. Equifax has refused to delete this account and I have disputed this account for the last two years.
Complaint sub-issue: Debt was paid

On XX/XX/21 I received a phone call from a person unknown to me - I would not verify my address so they would not continue - after the call I did a quick internet search to find out who they were - it was Audit Systems Inc - so I called back to find out what this was about - verified and they told me I owed {$50.00} for a XXXX XXXX I said I paid it, they said I needed to send them proof or pay right now. I said no - I dispute the debt and they needed to provide the evidence as per the FDCPA, they said no I said you clearly don't know the law and they got louder said some numbers and hung up. I called back verified and told them to Cease all communications both verbal and written. 

At this point they are refusing to provide the validity of the debt.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX and Equifax are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased online items from XXXX on XX/XX/2022. I requested a cancellation on XX/XX/2022 via chat and was informed they would try to cancel but that it may be too late as the items were already in process - the items had not yet been shipped by XXXX. I received notifications that items were shipped on XX/XX/2022. I was out of the country and items were never received. Discover card did not accept my dispute even though I have the documentation the order was cancelled prior to the company shipping the items. I received notification on XX/XX/2022 that discover Card would be placing the charge back on my card and I would be responsible for the interest.
Complaint sub-issue: Information is not mine

The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report. 
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report. 
Thank you.
Complaint sub-issue: Company closed your account

I had not used my Discover card in a while since we were able to pay off our balances about a year ago. I logged into my account and discovered they had closed my card. I contacted Discover and they confirmed they closed my card. I was told I was mailed a notification that if I did not use the card by XX/XX/22 that the card would be closed. I either never received the notification or threw it out since I had elected to go paperless quite some time ago and the company constantly sends unwanted solicitations for other Discover products in the mail. I called to let them know I never received the notification and I wanted to have the account reopened since I have had the card over 10 years. I was told that they are not able to reopen credit cards once they are closed. I asked to speak with a supervisor and was told the same thing. I asked to speak to their supervisor and was told that they is nobody higher they could escalate a call to. I was also told it was a company policy and even if they could get someone higher on the phone they would not be able to reopen the account. The fact that they closed one of my oldest credit cards with a large credit limit is going to negatively affect my credit. Their only solution is to apply for a new card which is not going to correct the issue that they have caused.
Complaint sub-issue: Need information about your loan balance or loan terms

Ten years ago, I started paying my direct federal student loans ( both subsidized and unsubsidized ) under the income-based repayment plan, as required by the terms of the Public Service Loan Forgiveness program. At this point I worked for a not for profit organization, after graduating from medical school with {$200000.00} in student loans. 

Two years ago, I realized that my payment count towards the PSLF for the subsidized loans were different than the PSLF payment count unsubsidized loans. This seemed odd because all payments made in years prior were always split between unsubsidized and subsidized loans, so how could the tally be different. 

At this point, XX/XX/XXXX, I filed paperwork to have this information reviewed. It is XX/XX/XXXX, and after a dozen phone calls over that time period I have yet to have an answer. I am at just about at 10 years and need to file my loan forgiveness application. Each time customer service says the same thing. 

Im getting tired of not being able to get answers so I can take care of whatever needs to be done to get this loan reviewed. We waited to have a family and have put off other plans trying to wait for this to resolve. The unknown makes it hard to plan major life decisions. 

Please help.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}
Complaint sub-issue: Account opened as a result of fraud

Spoke with XXXX the Supervisor from the call center at Bank of The West XXXX XXXX An account was opened fraudulently and I need this taken care of. XXXX did not make me feel safe that this would be handled. He reiterated the importance of protecting the bank, but not me or my personal information that was stolen.
Complaint sub-issue: Information belongs to someone else

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have contacted each credit bureau individually, starting XX/XX/2022. I submitted proof of the accounts being settled and paid and proof that the company agreed to remove. I have disputed these accounts multiple times over the phone and through letters as well as online. Each time the credit agency refuses to update the accounts and the lenders report the information back inaccurately despite the proof of payment I submitted to the Bureaus.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/2018, in anticipation of paying off my auto loan with XXXX XXXX XXXX, I updated my address in their online account management system. On XX/XX/2018, I paid the balance of this loan on their online system. On XX/XX/2018 I still had not received my title in the mail. I called their customer service line at ( XXXX ) XXXX and was notified that my title had been mailed to the wrong address. I was placed on hold for over 30 minutes. The customer service representative acknowledged that the title was mailed to the wrong address. I was then told I would have to go to the DMV for my title. The customer service rep mentioned I would be " reimbursed '' but did not have any details regarding how this would be accomplished. It is my understanding that as the lienholder, they must be the ones to apply for the new title, so I do not know how I can get this from the DMV.

Considering how difficult it was just to get information from them on the phone, I do not have any confidence that I will be able to get my title or get reimbursed. Further, how will they reimburse me for the time I have to take off of work and the inconvenience of visiting a DMV? How will I be reimbursed for the hours I spend on the phone with this company? It is not my duty to obtain this title - they need to send it to me. They need to go to the DMV and sit and wait and waste all day and send my title to the correct address. Further, they are not taking any action regarding the fact that the title was mailed out to the incorrect address and could now be in the hands of the incorrect car owner. 

While on hold with XXXX XXXX XXXX on XX/XX/2018, my account was updated to reflect that I am owed a refund in the amount of {$2.00} since XX/XX/2018. This money has not been remitt4ed to me to date.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX  XXXX XXXX
Complaint sub-issue: Public record information inaccurate

This debt is an educational loan through XXXX XXXX XXXX XXXX a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Complaint sub-issue: Account information incorrect

I have sent XXXX  severs letters asking for verification of the accounts. XXXX XXXX is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Charged too much interest

My Citi credit card, ending in XXXX, generated a bill for the month of XXXX, XXXX. However, I have a 0 % interest bill statement, so this bill was generated in error. I contacted an agent explaining that I have a bill credit and should not get a bill until XXXX, XXXX. However, the agent said there was no bill credit and I would have to pay interest. I have an official letter from Citi stating the duration of the bill credit. I have had many issues with Citi concerning this bill transfer since I became a customer. I would never recommend anyone use a Citi card.
Complaint sub-issue: Information belongs to someone else

This is my seccond 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 an alleged fraud or extortion. 
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 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: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.
Complaint sub-issue: Account information incorrect

There is no option for me to select so I had to choose the closest to my issue. But I have an issue with Credit Karma. Foremost, For years, the platform has reported higher credit scores to myself. So accordingly I have applied for loans, financing on a vehicle, as well as applied for credit cards that say I have excellent approval, yet I am turned down. Which brings me to my second complaint : The platform informs me that I have excellent approval odds for a credit card, but when I apply I am denied. Therefore taking another huge hit to my credit score because the card company is running my credit to see if I can be given the credit card. This has been happening to me for the last 5 yrs at least and I cant get ahead because I continue to tarnish my credit with hard inquiries. Something needs to be done about this and I would like some major assistance in some way on these issues. This is a two pronged issue : higher credit scores being reported false approval odds for credit cards that later deny my application causing me to take hits to my credit. 
Thank you for your time.