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

I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX  that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Account information incorrect

I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the XXXX. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Complaint sub-issue: Debt is not mine

I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2019 I noticed my credit score dropped. Then noticed it was because XXXX credit card had decreased my limit by 3,000 dollars. I have very good credit and have never had a decrease in 27 years of having credit cards so this made no sense to me. I called them. They said it was due to inactivity and the only way to try to fix it was to request an increase which would be a hard inquiry which would make my credit score go down even more. I dont think this is right. Its penalizing consumers with good credit and reducing their credit score. I think its bad business practice and that is why I am filing this complaint.
Complaint sub-issue: Information is not mine

I have disputed with XXXX, Equifax , XXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all XXXX credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a US Bank Business Cash credit card when opening my business checking account. I was shown a pamphlet outlining all the various credit cards the bank has and was asked to pick which one best fit my needs. The credit card I picked had a bonus offer of {$500.00} statement credit after {$4500.00} spend. I asked the banker if I would get the bonus and was assured that I would. This is the standard new card member bonus that is advertised on all US bank credit card material. This material can be found in branch, on the website, on social media. It's literally advertised on every piece of promotional material I've seen about this card. 

Upon meeting the minimum required spending I waited for the statement to close. When the welcome offer was not awarded I called the bank to inquire about the issue, this is when I was informed that this offer was not linked to my account. I asked the bank to please resolve this matter, and was instructed to send in copies of the offer I received and cited during the application process. I faxed those in to card member service and received a latter today XX/XX/30 that they are unable to add the offer due to applying in branch. I spoke with my banker and they escalated the issue up the chain, but I assume this is why I have received this letter. This is not a targeted or special invitation offer, this is the standard welcome offer that is advertised everywhere. 

I have been a US Bank customer for quite some time and have 2 other credit cards open with the bank. Both of those cards were opened in branch with a banker and both of them have had the same type offers advertised. I had no trouble getting the previous welcome bonuses, so I do not understand the issue now.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account Number:XXXX  7.Validate Account XXXX Account NumberXXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account XXXX
Complaint sub-issue: Public record information inaccurate

XX/XX/2022 I contacted XXXX XXXX of XXXX to attain XXXX XXXX quotes for me. While going thru my auto history he informed of a claim that was showing up on my record for XX/XX/2022 that I had no recollection of. He explained and sent me the screen shot of the information from Lexis Nexis. I then contacted my insurance company to see if they we're guilty of putting this fraudulent incident on this report XXXX was alerting me to and they said their system showed nothing and I got a written from them saying such. I called Lexis Nexis and explained the situation to them and asked them to provide me with the information that they have on file for XX/XX/2022 and these people are trained to either not listen, or not help. He said he could send me a copy of my report. I received a letter from LexisNexis with information on how I could view my report online however when I tried to access it the web page said the PIN could not be authenticated. Someone is causing me additional time and money that I don't have because these large companies can just post false information with no repercussions. And when the victims they are spreading disinformation about contact them to get the information they share with others about YOU they won't provide it and will go out of their way to be useless.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE IMMEDIATELY.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX COMPANY DID INQUIRE WITHOUT MY AUTHORIZATION. 
I DON'T RECOGNIZE THIS INQUIRE
Complaint sub-issue: Their investigation did not fix an error on your report

This is related to the following complaint already closed. 

XXXX Equifax is reporting remarks on credit reports of mine obtained from the Fair Issac Credit Corporation that state I had a " Chapter XXXX Bankruptcy and/or Closed by Credit Grantor '' for the following : Two XXXX  XXXX accounts XXXX XXXX account One mortgage account ( XXXX  ) One XXXX  account Additionally they are reporting a remark stating : Account closed by credit grantor for : One XXXX account. 

The issue is that these remarks are independently hurting my FICO scores apart from the known fact that for most of these accounts there was a bankruptcy. 

FICO has stated that remarks published by the credit bureaus independent of the acknowledgement of a credit closure negatively affect my credit scores and I would like them removed. 

I have been able to successfully obtain their removal from XXXX  and XXXX, but have been unable to do so with Equifax. They state I have to provide them some document from the bankruptcy court, which makes no sense.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 wilful negligence and non-compliance with federal statutes. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}
Complaint sub-issue: Account information incorrect

The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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. Below are the lists of the erroneous account reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$0.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX sent a letter to all 3 credit bureaus via CFPB asking for immediate removal of the account on my credit report. I had my credit pulled trying to obtain a mortgage and Equifax is still reporting the account. I contacted Equifax and they said I needed to call XXXX XXXX XXXX  again.
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 15USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681 s-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: Information belongs to someone else

1.

Remove the addresses from my credit report. the 3 credit bureaus did not remove my addresses from the previous dispute. all they did is joining together the zip codes on them and update which was never there. attached informations for the reference. 
Not my address- FCRA Violation XXXX XXXX XXXX XXXX , GA XXXX - XXXX. 
XXXX XXXX XXXX  XXXX, GA XXXX - XXXX My Correct address is as follows XXXX XXXX XXXX, i XXXX XXXX, GA - XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

2. 
Addresses, names and variations incorrect on all three credit report- they have not corrected them. attached the document 3 XXXX  XXXX XXXX - Remove this Not mine- FCRA Violation Closed Unknown payment history 4. 

XXXX XXXX Dispute This account ASAP- not mine {$0.00} Closed 14 late payments Account number XXXX XXXX XXXX XXXX XXXX XXXX Delete this account- not mine -fcra violation XXXX XXXX XXXX, GA XXXX XXXX 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX - {$20000.00} Closed 46 charge-offs Account number XXXX XXXX XXXX - Remove late payment {$0.00} Closed 18 late payments Chapter XXXX bankruptcy dismissed- Not my Bankruptcy.- attached screenshots- and public record XXXX XXXX XXXX XXXX- Dispute This account- not mine- FCRA Violation Account NumberXXXX
Complaint sub-issue: Debt resulted from identity theft

National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.
Complaint sub-issue: Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to

correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Public record information inaccurate

I have filed dispute after dispute after dispute with Equifax about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX -XXXX  XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  The following does not belong to me : XXXX  XXXX Account Info Reported on XX/XX/XXXX Equifax retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.
Complaint sub-issue: Didn't receive enough information to verify debt

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Complaint sub-issue: Problem with rewards from credit card

I previously applied for Citi Aadvantage Platinum Credit cards and earned rewards points with XXXX XXXX by using these cards for purchases. I also earned rewards points by flying with XXXX XXXX and by purchasing miles or gift cards directly through the airline. I still have unused XXXX XXXX gift cards.

However, I received a notice this year that my XXXX XXXX account would be terminated, effective immediately, and all rewards, earned or purchased, would be revoked. The explanation provided was for fraud, misrepresentation and/or abuse of the AAdvantage Program. This is unsatisfactory and sets a terrible precedent that a company can sell rewards and benefits to consumers, and then their partners can revoke them at any time for any generic/blanket reason, and consumers are left without any options after having spent time and money buying and earning those rewards.
Complaint sub-issue: Reporting company used your report improperly

Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my Equifax credit report and its wrong
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found late payments dated : XX/XX/XXXX/XX/XX/XXXX I am not sure how this happened I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Overcharged for a purchase or transfer you did make with the card

I was alerted that XXXX hackers had infiltrated my IPS on my computer and had charged a total of {$20000.00} to three different XXXX XXXX sites. I was instructed to work with a representative from Discover card to delete these charges. I was told that the charges had been made as a customer designated purchase and I would have to use gift cards to override the purchases and reclaim my money. [ I have said XXXX  enough times that you don't have to. ] The Discover contact used the phone number of XXXX XXXX XXXX. I gave him the gift card info from XXXX 's, XXXX 's XXXX, XXXX XXXX, and XXXX. I did not give credit card numbers. I have called all of the credit cards to ask for help but they said that this does not count as fraud. To my deep shame and great regret, he XXXX  me for {$20000.00}.
Complaint sub-issue: Old information reappears or never goes away

Equifax stated they removed this account and it is still listed XXXX XXXX XXXX # XXXX This item is past the statute and this company can not validate the XXXX. I have been fighting with them as I never had an account with XXXX XXXX ever