Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018 My wife and I were shopping mortgage lenders and got a mortgage pre-approval. My credit scores came back XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. The low score from Equifax was attributed to a " serious delinquency '' that they found on my report. This is incorrect as there are no delinquent accounts at all on any of my reports with any credit bureau. 
-- -- -- -- -- -- - XX/XX/2018 I called Equifax to ask what was going on and why was my score low and my report showing " serious delinquency '' when there wasn't one on my report. To explain the score, they said that different credit bureaus use different models for scoring. This is obviously true, but there wouldn't be a 60 point difference between Equifax and the other two bureaus. They stuck to the script about that's the difference. I asked to speak to a supervisor about my " serious delinquency '' and why the file said that. I verified with two different supervisors that there were absolutely no derogatory remarks on my account and they couldn't help me with why the report was saying that. They offered to send me a free paper report to verify for myself. 
-- -- -- -- -- -- - XX/XX/2018 I received the paper report from Equifax and verified that there not only were no " serious delinquency '' on the report, but that there was no negative information at all. Again, a call to Equifax resulted in nothing being done and no fault admitted. Just them continuing to say they weren't sure why it said that and they use different scoring models than the other two bureaus. 
-- -- -- -- -- -- - XX/XX/2018 While checking credit scores from different credit cards and credit monitoring tools, my scores are now XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. There is still a 60 point difference with Equifax and the reason still cited is " serious delinquency '' which I've been unable to get them to verify or remove.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied, and received the Citi Premier card under a promotional offer of XXXX Thank you points after spending {$4000.00} on the card in 4 months.

After about 2 months after being approved for this card - I met this spending requirement, and waited several months for the bonus to post. After not receiving the bonus, I contacted customer support, and was told that I would not receive this bonus, as I had previously had a version of this card within the past 24 months.

Their terms and conditions state : " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months. '' After checking my records : I ( 1 ) Have not opened or closed a citi thank you credit card within the previous 24 months prior to meeting the promotional offer, and ( 2 ) Met the spending requirement per the terms and conditions - within the stated time frame of the promotional offer.

As such, I am entitled to receive the card member bonus that I was promised upon applying for the card. I would not have applied for this card in the absence of this bonus.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I never opened this account. I called XX/XX/XXXX to ask why this account appears on my credit report in XX/XX/2020 ; they would not give me any information because I could not verify the security code on the account. I explained they were incorrectly reporting this account to my credit report ; however, XXXX stated that because I could not verify the account with them, they would not help me. I asked to be contacted by a supervisor or manager, no one returned my phone call.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Deposits and withdrawals

This is an update to CFPB Complaint No. XXXX. This update includes an amended billing address. 

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. Today, I found out that XXXX XXXX  XXXX XXXX did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} XXXX  to Discover was executed and then reversed. Moreover, a review of XXXX XXXX  XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 homeless n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Debt is not yours

I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports
Complaint sub-issue: Reporting company used your report improperly

XXXX   XXXX   pulled my Equifax credit report twice on   XX/XX/XXXX  and  XX/XX/XXXX , and my  XXXX  credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after   XXXX   XXXX   pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.   <P/> I have sent a letter and made multiple calls  (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and y et they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inqu iries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   rem ain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>   XXXX   XXXX   must remove these inquiries from my Equifax and   XXXX   reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I want you to know that I understand my financial obligations, and if it werent for XXXX Id have an excellent repayment record. I got really sick and was forced to quarantine from my place of employment. I am an employee of the XXXX. Per policy, once an employee tests positive for XXXX, said employee will have to quarantine and can not return to work until cleared by the company nurse. There is only one nurse per district so she was behind on clearing Employees. This resulted in me being out of work for a total of 3 months. Although my PCP cleared me for work, I still couldnt return until my job nurse went over my documentation and cleared me to return. This situation was completely out of my control. I made a mistake in falling behind, but since then, I have gotten vaccinated and returned to work full time. 
Since then, Ive had a spotless record of on-time payments
Complaint sub-issue: Account information incorrect

XX/XX/XXXX Discover Financial was paid balance in full. 
Afterwards, small balance reflected and gained interest and late fees. 
All information of balance, statements, and phone calls went to wrong address. 
In XX/XX/XXXX discovered credit score has decreased consequently.

Paid Balance to settle account but should not report late from XXXX on and impact my score as I have had no awareness of such a balance. 
I have attempted to dispute with credit bureaus four times.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my credit score negatively.
Complaint sub-issue: Information belongs to someone else

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}
Complaint sub-issue: Reporting company used your report improperly

My right have been violated. 

XXXX XXXXXXXX Account : # XXXX & XXXX  XXXX Account # : XXXX These accounts are being reported inaccurately and by law everything must be 100 % accurate across the board. 

The laws are clear : 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 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. 

With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. 

Shows blatant violation to my rights based on the FCRA.
Complaint sub-issue: Problem lowering your monthly payments

I first called Sallie Mae at the end of XXXX this year and I would say Ive called them XXXX or XXXX times since then to try and get my monthly loan cost lowered. I am XXXX and I dont have steady employment, but still Im expected to pay $ XXXX? I have no freedom anymore. I would love to get some support because this really has been the worst year of my life paying these loans. Sallie Mae has not even picked up a call from me. There is no service on their end.
Complaint sub-issue: Information belongs to someone else

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Information belongs to someone else

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a letter from Credco dated on XX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked Credco to run my credit from both XXXX and XXXX. I had already reached out to that company with no response. Credco did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to Credco and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to Credco. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.
Complaint sub-issue: Sued w/o proper notification of suit

I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A XXXX PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent Hunter Warfiield two certified letters on separate occasions asking them to verify the debt owed. They sent back a print out that did not include the last payment that I made, my signature or the signature from the original debtor. When asked to verify Hunter Warfield told me " no, the print out is enough ''. I have sent them another certified letter ( this makes three letters that have been sent out via certified mail to Hunter Warfield ) requesting that they remove this account from my report since it can not be verified.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Reporting company used your report improperly

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 a account without my written instructions.
Complaint sub-issue: Debt was discharged in bankruptcy

Please see the attached letters. Both clients moved from the house, advised the City of XXXX, and then filed bankruptcy. The City of XXXX, WA code does not permit ongoing charges to a consumer for water bills if they advise the City that they are leaving the house and want the water shut off. The consumers did provide such notice. The City has failed and refused to produce its file for this account, and the debt collector, Puget Sound Collections ( or PSC ), and its attorney, XXXX XXXX, refuse to respond for demands for documentation. Additionally, the amounts keep varying by literally thousands of dollars, without explanation.