Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There is an account showing on my credit report from a company named XXXX XXXX XXXX XXXX XXXX. ( ERC ) It's showing a past due balance from XXXX for {$150.00}. I've never had an account with XXXX. Someone gained access to my Driver 's License in XXXX. A Validation letter was received from ERC on XX/XX/XXXX from me asking to show proof that it was my account. On XX/XX/XXXX, I received a letter in response to the request including old billing statements. On the billing statements, it shows my name but it shows an address that I've never lived at and it also shows mobile numbers that I've never had. They did not provide any type of contract or signature showing that this is my actual account. The is affecting my credit negatively and they will not remove it. I'm being punished for an account that is not mine. I am not in any way responsible or have any knowledge of this account.
Complaint sub-issue: Account information incorrect

I have submitted several request to Equifax, XXXX XXXX XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
Complaint sub-issue: Charged too much interest

Sears Citibank credit card charging on my credit card that I have had since XXXX XXXX %. My Citibank XXXX  is charging 7.24 %. I have emailed Citibank Sears and advice I have been a customer for 34 years, any my XXXX score is XXXX. Citibank Sears responds back on XX/XX/XXXX, we are unable to lower the APR because you already have the lowest interest rate available for this account at this time. 

I want my APR lowered to match Citibank XXXX and other credit cards.
Complaint sub-issue: Didn't receive enough information to verify debt

I was unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX  responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX  & XXXX XXXX and XXXX  AND XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to Lexis Nexis on XX/XX/2017, and requested an full file disclosure report. After I received said report I immediately reached out to Lexis Nexis and dispute inaccurate information of my credit report and request correction and a new full file disclosure report to verify all infomation was corrected within their 50 plus page file.. 

I have contacted Lexis Nexis ten times and requested a copy of the full file disclosure consumer report and to date Lexis Nexis has refsued to the follow the FCRA and provide the consumer with a complete copy of their reports including reports for their subsidaries companies.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Complaint sub-issue: Problem with rewards from credit card

I was solicited directly in the mail by XXXX XXXX/Citibank to open a AAdvantage Platinum Select credit card.  As part of that offer, I was told that if approved and the card was issued, once $3,000 or more of purchases were made using the card my AAdvantage account would be credited with an additional XXXX miles.  This was the primary reason I applied for the credit card and the motivating factor for me to use this card for my purchases versus other cards.  After receiving the card and completing the required amount of purchases and paying the full amount of my credit card balance, the additional miles were not credited to my AAdvantage account.  When I called XXXX XXXX to find out why, they indicated that since I had previously had a Platinum Select card within the last two years, I did not qualify for the award.  There was no mention of that restriction in the solicitation and they were aware of my prior card when they solicited me by direct mail.  I consider this deceptive advertising and promising false incentives to induce me to use a credit card that otherwise I would not have applied for nor used.  Thank you.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX  I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

When I try to login to my.equifax.com, I get an error saying " We are temporarily unable to complete this request. '' And there are no options to remediate this. I just want to look at my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, XXXX and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.
Complaint sub-issue: Banking errors

Dear sir or madam, I opened citibank account package and deposited {$15000.00} on XX/XX/XXXX. 

Account Package during the offer period of XX/XX/XXXX to XX/XX/XXXX ( account opening date XX/XX/XXXX ) 2. ) Within 30 days of opening the new eligible checking account make a deposit of {$15000.00} or more ( in one, or more than one, deposit ) in New-to-Citibank funds into 1 ) the new Eligible Checking Account and/or 2 ) the new Eligible Savings Account. ( deposited of {$15000.00} completed on XX/XX/XXXX ) 3. ) Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit ( Please maintain the {$15000.00} until XX/XX/XXXX ) 4. ) If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. ( 90 days from XX/XX/XXXX, so it will be on or before XX/XX/XXXX that {$400.00} will be credited ). 

I kept {$15000.00} in Citibank account package until XX/XX/XXXX, and then {$10000.00} until XX/XX/XXXX. 

I am supposed to received {$400.00} bonus on XX/XX/XXXX. I called Citi bank customer service and was told that I met all bonus conditions, but she don't know why I did not receive bonus. She helped me to file a ticket on XX/XX/XXXX Reference:XXXX Dear XXXX XXXX , Thank you for your recent inquiry, case # XXXX has been opened. 

Sincerely, Citibank Customer Service I was told that problem will be solved in two days, after two days, I still didn't receive bonus. I called it again and spoke to a supervisor. She also said that I met all conditions, but Citi bank back office was reviewing why I didn't receive the bonus, It would take 10 business days. I will receive bonus on XX/XX/XXXX. She also sent an email to their back office to escalate the case. 

On XX/XX/XXXX. I still don't receive the {$400.00} bonus. 

Please help me to solve this issue. 

Thanks XXXX XXXX.
Complaint sub-issue: Problem with customer service

I submitted a discharge application for forgery/identity theft on XX/XX/2020. Despite being told it would take up to 10 business days to process my application and receive a final determination, it has been almost 5 months and have yet to receive a final determination. I have yet to even be advised as to what the unnecessary hold up is.
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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0
Complaint sub-issue: Problem with fees

On XXXX XXXX XXXX, I bought a washing machine on-line from Best Buy for {$690.00} ( including taxes and hoses ). I applied for the Best Buy visa card since this card allowed me to pay my purchase using installments, interest free, for 18 months. Little did I know that Best Buy will start adding fraudulent late fees charges on my account. Initially I was paying $ XXXX/month. In XXXX, Best Buys stated they did not receive my payment and that I was late. I verified my XXXX XXXX account and the payment was sent. I called them on XXXX XXXX and the representative told me they will revert the late fee charge of $ XXXX.They credited me {$27.00} and not {$31.00}. The supervisor I talked to on the same day, XXXX XXXX, stated that my payment for XXXX XXXX is {$31.00} since I sent another payment of {$27.00} on XXXX ( that was received on XXXX ). I asked the supervisor multiple times if that is the correct amount I have to send and she said Yes. I also asked why my monthly payment would change from {$27.00} to {$31.00} and she did not answer my question.To my surprise, the bill received this week shows that I was supposed to pay {$61.00} though no bill was sent to me with that amount and the supervisor stated clearly I have only to pay {$31.00}. It is very unclear to me where {$61.00} is coming from, how this was decided when all the correct payments were made in time and why the supervisor mislead me? The supervisor also stated though she could not change the late fee charge for {$31.00}, however I would see it credited in my XXXX bill and then my monthly payment will return to the standard {$27.00}. That did not happen at all. In contrary, they started to change my monthly amount from {$27.00} to {$31.00} to {$57.00} to {$61.00} that served only to confuse what the exact payment should be. I feel this is done with a deliberate scope to confuse the payers and add illegal charges to their monthly bills.Not only I did not get refunded the {$31.00}, they claimed now I was late for two months on payments and added another {$64.00} late fees, with no explanation. Is only XXXX, how can they add late fees for 2 months since XXXX XXXX? Conveniently they do n't have any records of the people I talked to or the full names of the supervisors. 

Since XXXX until today, XXXX XXXX XXXX I paid {$200.00} towards the total purchase. My total purchase was {$690.00}. Tonight I sent the payment for the difference of {$490.00} and requested the closure of my account. The representative XXXX, XXXX refused to remove the late fees charges, to close my account or allow me to talk to a manager. 

I was not late on my payments hence there is no reason for them to charge me {$64.00} in fees for 2 months. I have an excellent credit score of XXXX and was never late on any payments. Best buy credit card is refusing to close my account or remove these bogus late fees charges. 

This constitutes fraud and I am requesting an investigation on this illegality.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX. My identity was stolen. A notarized Identity theft Affidavit proving it is me that submitted this report. I have provided proof of my ID Identity theft report from the Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Reporting company used your report improperly

security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry :XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX+ Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, EQUIFAX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Complaint sub-issue: Debt was result of identity theft

Received original letter from XXXX XXXX, about a {$33.00} debt from XXXX under my name on FL, after contacting collector I identified it was the result of identity theft. 

Contacted the police and informed XXXX XXXX, submitting copies of Police Report, this was XXXX XXXX XXXX ; in XXXX XXXX I received a new letter from XXXX XXXX regarding the same issue - I quickly submitted same paperwork to them and formally asked the debt to stop being sold to new collectors - and to my surprise I just got a letter last week from IC Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX about the same debt. 

It is clearly a case of identity theft, after I submit the paperwork thXXXX collectors never contact me again but they kept selling my debt/information. I just want this to stop. 

At this point I 'm not looking for legal reparations, but will if this practice does not cease. Please help me stop this non-sense. 

thx XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Complaint sub-issue: Company closed your account

This is in regards to a Citi XXXX XXXX card. Citi closed my account due to not renewing my XXXX account during the Pandemic. I did not renew because of the Pandemic and the fact that the nearest XXXX is XXXX miles away. I called to get my account reopened and was told they would not reopen at the time. For several months after it was closed i was still making payments online. Next, a few months later, they removed the card from my online account, leaving me with no option to make payments and no way to receive statements. 2 months after not making payments, they called and after telling the Citi representative what happened nothing got resolved. It is now several months delinquent, with still no option to pay or get statements. Citi still sends me emails with links to pay online but when i login the account info is not there and there is no option to pay. My other Citi XXXX card is still there and is current along with my Best Buy Citi card which is also current. 
I also tried to pay on the mobile app. No account info available.
Complaint sub-issue: Was not notified of investigation status or results

Last XXXX2022 I sent this company a letter requesting for the method of verification that they used to check the accuracy of the things on my credit report but its been over a month now they still haven't provided me the information. They would just ignore it as if they didn't see it. This time I want CFPB to have a record of this letter and complaint about the company 's negligence for I might use them in the near future.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account number 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 with my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Debt was paid

IC Systems Inc has reported an alleged debt on my credit report that I do not owe them. This debt is hereby disputed and I request validation and proof of claim within 30 days. Per the FDCPA the selling of debt is illegal and I am refusing to pay this alleged debt. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.