Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Well first of all let me say that i think that all credit agencies are wrong, XXXX and bias!! They allow companies that they know nothing about to things on your credit report and does not consult with the consumer regarding if its correct information or not!! And that is not right!! And then the consumer has to fight to get it all their credit report!! That is totally wrong!! But the credit bureaus do not care one bit!! And if you are non white they will do everything in their power to keep your credit score down!! Example : This company XXXX/XXXX  that i had an account with that was closed back in XXXX was able to just appear on my credit report as open after 15 years!! How is that possible?? What happens to statue of limitation?? These crooks was able to lie and say that my account had been open for 15 years and i made a payment on my account XX/XX/XXXX which is a TOTAL LIE!! They could not ever send me proof of the payment or any payments!! And this company don't have to send proof to the credit bureaus regarding payments?? They are allowed to just say i made a payment and the credit bureaus allow these crooks to put this on my credit file??? WHAT A BUNCH OF XXXX XXXX XXXX XXXX 

How wrong is that?? Then when i told this company to close this account that was closed back in XXXX these no good XXXX credit bureaus Equifax and XXXX  took my credit score down 17 points!!! And that XXXX XXXX Agency is the most XXXX wrong credit monitoring service in america!! Im sure it just a matter of time before they get sued and shut down!! Nothing but XXXX crooks!! And they did not even wait 30 days to do it like they usually do to update my credit report!! They took my credit score down the same day it was close!! And it should have never been open in the first place!! Again this company XXXX/XXXX  has no proof of any payment being made since XXXX!! Why are they allowed to put this on my credit report and the credit agencies don't asked for any proof of payment?? Where is the proof?? Why is this allowed??? 
This is so wrong and should be investigated!! Its sad how people can just screw your life up and nothing is being done about it!! WHY IS THIS ALLOWED BY THIS XXXX BIAS UNFAIR CREDIT AGENCIES? One thing that i know and that is that karma is real and all of these XXXX no good crooked credit agencies will pay dearly someday!! Its just wrong and shouldn't be allowed!! But nobody cares until it happens to them and it will!! So just remember that you reap what you so and GOD doesn't like ugly
Complaint sub-issue: Reinserted previously deleted info

They will not respond to any of my disputes. 
XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

i am being sued on an account for XXXX XXXX by XXXX XXXX. I lost my job. i contacted the attorneys office in XXXX after mailing my separation notice to see what my next steps were. Spoke to XXXX who advised me i was ahead on my pay schedule from making an extra payment in XXXX. advised her i would touch base in XXXX. a lien was placed on my bank account days later. the attorney has garnished ALL of my unemployment benefits which are not enough to pay my rent. I would have come up with the payment had i known they were going to take everything. i called and asked if not being able to make a payment meant that my unemployment would be garnished. i was advised they usually send garnishment to employer, but i did not have an employer. was told when i called in XXXX to touch base and make a payment when i could. i was mislead. i tried to call the attorney to discuss. was upset as i have no grocery money now and am a single parent with no support. XXXX hung up on me and XXXX  placed me on hold to review my payment history. she never came back to the phone. i stayed on hold until the sytem hung up on me. i have called back and they are ignoring my calls. i have left messages that are also being ignored. i have to work this out with them but they are not talking to me
Complaint sub-issue: Debt was result of identity theft

I'm a victim of identity theft someone got my information and opened up accounts in my name
Complaint sub-issue: Reporting company used your report improperly

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

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXXXXXX : # XXXXXXXX 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, 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Best Buy CBNA in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. I was never aware that this account was fraudulently opened. 

As purchasing tv, I did put in SSN. They setup for credit card and I told them not to open it. I thought it was cancelled at the store before even opening. I never used the account. I never got {$320.00} on that card, never even activated card. 

As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BestBuy CBNA Account # XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Balance {$330.00}. Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Complaint sub-issue: Didn't receive terms that were advertised

Citi bank sent me a cash bonus offer for opening a Citi checkings/savings account and failed to reward me the bonus even after I completed all the activities. According to the offer terms, I will earn a total {$500.00} account opening bonus for completing the following activities. 

- {$400.00} bonus for depositing {$15000.00} or more in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within XXXX ( XXXX ) days from account opening and maintain a minimum balance of {$15000.00} in the eligible account ( s ) for XXXX ( XXXX ) consecutive calendar days following the date when you made the {$15000.00} deposit ( " Minimum Balance '' ). 

- additional {$100.00} bonus ( total {$500.00} ) for when I complete the required activities above AND, within XXXX days of account opening, you also complete XXXX Qualifying Direct Deposit into the Eligible Checking Account each month for XXXX consecutive months. 

Based on above offer terms, I opened a Citi account back in XX/XX/2020 and completed all the required activities for receiving bonus within the time frame. But, citi didn't deposit the bonus. I contacted Citi customer care and also sent out the W9 as requested. Even after multiple follow-ups, Citi failed to deposit the bonus offer of {$500.00}. Even Citi representative stated that this matter was escalated within their system but I didn't hear back from Citi for months. I have already spent hours with Citi 's customer care on this matter without a resolution. Citi didn't provide any details on why the offer is not yet deposited in my account even after more than 1 and half years. 

This is a deceiving practice from Citi to make customers to open an account.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Received bad information about your loan

I 've tried countless times to get information on consolidation and loan forgiveness since I 'm a XXXX  XXXX XXXX XXXX I have n't gotten clear answers or directions
Complaint sub-issue: Problem getting a working replacement card

OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.
Complaint sub-issue: Account information incorrect

On my credit report there is a debt that reports every month from Discover in the amount of {$1400.00} I have tried to pay this debt, I thought I owed for the past four to five months. I contacted Discover Financial Services/ Discover Bank from XX/XX/XXXX to the last contact on XX/XX/XXXX. I am told that they wrote the debt off and a XXXX was issued. ( I am including a copy of the XXXX ). Discover states each time I call them they will not take my money to pay off the debt. But every month they report to all three credit bureaus that I owe them the debt. So how can they report that I owe them money but they wont take my money?????? Someone please help.
Complaint sub-issue: Didn't receive advertised or promotional terms

I utilized my Home Depot credit card, as I received a coupon that offered special financing. All of my purchases were made before the expiration date listed on the coupon. 

Citi Bank / Home Depot Credit Card Services doesn't want to honor the special financing - they advertised.
Complaint sub-issue: Problem during payment process

I opened a store credit card with Macys on or about XX/XX/2015. I purchased a shirt with the expectation to pay off the balance in full. However, sometime afterwards I ended up receiving a call that I was late on the payment. I had not received any reminder notices in the mail or via email and resulted in paying the small balance over the phone. However, it still has a negative impact on my credit report. If possible, I would like to resolve this issue. Please advise -thank you!
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit reports and noticed an account for XXXX XXXX for XXXX XXXX. I never received notice of this debt to settle before it reported to my credit and my husband, XXXX XXXX, credit. We were XXXX for some time after he lost his job. My husband, our kids and myself currently reside with his parents and have saved up {$1300.00} to settle.
Complaint sub-issue: Information belongs to someone else

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

XXXX XXXX accounts # XXXX. XXXXXXXX XXXX  # XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the XXXX XXXX XXXX  began contacting me daily. I contacted XXXX and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to Citibank and is referenced as such in the attached letter.
Complaint sub-issue: Debt was result of identity theft

Dear Sir or Madam, On XX/XX/2020, my Attorney XXXX XXXX XXXX XXXX XXXX wrote RAS LaVrar Law Offices a 14-day {$1000.00} demand letter for violating the Fair Debt Collection Practicing Act. 

However, the law office never responded back.
Complaint sub-issue: Information belongs to someone else

I noticed a hard pull on my credit report showing on Equifax " only '' that was done on XX/XX/2021. It shows XXXX XXXX. This was not me applying for new credit. Ironically, I already have a card with XXXX XXXX XXXX and have more than enough available credit on that card. I spoke to XXXX XXXX XXXX XXXX ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to Equifax and was told they have not received information from XXXX XXXX card services. I also disputed this hard pull with Equifax which did not solve the problem. Equifax continues to state they haven't received the fraud info from XXXX XXXX and XXXX XXXX says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.
Complaint sub-issue: Information belongs to someone else

I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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: Public record information inaccurate

I contacted the checkr company which is a background check provider to employers and it also being used by XXXX for detairmaining eligibility and it refreshes every years checks the eligibility based on the updated reports. XXXX been my main and only source of income for the past 3 years and on early XX/XX/2018, my XXXX account got deactivated due to number of violations which apparently was over a certain number that XXXX accepts and the source of information was checkr. I contacted checked to question it and find out the reason and I was told due to the number of violations I have on my driving record I am no longer eligible to drive for XXXX and was told I need to contact XXXX for any information. I obtained a copy of my driver 's record and noticed the number of violations on my driving record that was obtained from DMV website was different from checkr 's report. So I reached out to them and tried to file a dispute for the incorrect informations but they refused. I tried getting the supervisor on the phone and he confirmed that they are under FCRA and I asked him he requires by FCRA if the customer dispute an item on the report they have to investigate and if they can not verify they need to delete the items but he refused too and they didn't even let me file a dispute which is clearly against the FCRA regulations. Since early XXXX I lost my main and only source of income and lost all of my savings and been through a financial hardship to the point that I got a eviction notice and have no more money and no income and they all is because of the incorrect information that was provided by checkr to XXXX and also they refused to remove them or investigate a dispute. I reached out to them again and also provided them with a copy of another report from DMV website and asked them to investigate but again they refused and asked me for a original DMV documents and they do not accept copies of documents I have sent. I replied to them and notified them that they are the one who is require to have a original documents on file for each items they are reporting not me and also they have to investigate the issue that was disputed by me 3 months ago for the first time and recently again for the second time and notify me within 30 days of the resault and if they are verified they have to send a proof of verification which have not happened and they are clearly in violation of multiple FCRA terms. I sent them my final Goodwill and asked them to fix the issue and also settle the damages so I can recover from the huge losses they cause but did not receive any response from them.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.