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

I am a victim of identity theft. The information below, which appears on my credit report does not relate to any transactions that I shave made. It is the result of identity theft. 

1. Us Dept of Education in the amount of {$1900.00} 2. Us Dept of Education in the amount of {$8900.00} 3. Us Dept of Education in the amount of {$4300.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.
Complaint sub-issue: Didn't receive terms that were advertised

I would like to file a complaint against Citibank XXXX XXXX XXXX California for misleading advertising by offering {$700.00} credit offer voucher whenever I open a business streamline business checking account at this branch, and making a deposit of {$25000.00} dollars or more and maintaining the balance in this business streamline account for more than 60 days. But I opened my business streamline account on XXXX2021 and deposit on the account more than $ XXXX and since then over 90 days and up-to-date, I still have not yet received the {$700.00} credit voucher as promised. I feel like that I have been cheat and misleading by the bank. I demand for your help and investigation on this matter. Please do advise, I did contact the bank officer several time, left voicemail and sent email but still no answer. I even visited the Citibank Branch yesterday but the branch is closed with the sign posted in front of the window. 
I have all the supporting documents in regard to the credit offer of {$700.00} dollars. 

Thank you very much
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2022XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) Inquiry date XX/XX/2022 2022
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.
Complaint sub-issue: Investigation took too long

TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated, it is now up to Equifax to remove and they further stated that Equifax does have this ongoing problem. 
This is causing substantial harm to my credit report and yet EQUIFAX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC on XXXX/XXXX/2016 and also the ATTY General both here in GEORGIA where Equifax maintains their main corporate offices in the United States. 

They have caused me deliberate financial harm by continuously and willfully not adhering to the Fair Credit Reporting Act. 

Violation 1 : It 's documented over 30 days additional written and faxed in disputes have been ignored and thus should be removed. 

Violation 2 : Willfully and deliberate continuing to cause financial harm. 

I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST " REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION '', AN IMMEDIATE STATE AND FEDERAL LAWSUIT WILL BE FILED. 

Please let this letter serve as final written warning to EQUIFAX if this does not get immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Complaint sub-issue: Their investigation did not fix an error on your report

It has been a battle going through all these and yet the Credit Bureaus have grown negligent of their duty to comply with the Federal statute, Fair Credit Reporting Act. I have been trying to correct my Credit File by asking the Credit Bureaus to remove the negative late payments from my Credit report since these information are misleading and inaccurate. I never missed a single payment and yet the Credit Bureaus are still reporting these accounts as late despite the fact that I never missed not even as single payment. I tried contacting the Creditor and Data furnishers of these accounts and it is only a matter of time before they respond and prove to the Credit Bureaus that the information they report are inaccurate. These indifference of the Credit Bureaus have caused me to suffer from erroneous reporting. I am submitting this CFPB Complaint once again to request to the Credit Bureaus to correct the payment history and remove all negativities from my Credit File. I need the Credit Bureaus to correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct # XXXX, DEPT of ED/XXXX acct # 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: Can't get other flexible options for repaying your loan

I have variable rate loans with Discover Student Loans. Since rates have dropped so low I inquired about locking in a fixed rate. I was told to refinance the loan through a new application. I was ultimately denied by Discover, my current loan holder. My fear is that they did this because a fixed rate may lower the interest rate that they collect. I am currently at +4 % over XXXX, and I do believe that it would be lower with an updated fixed-rate, and Discover denied my credit because they would make less by doing so. 

Furthermore, it makes no sense that they wouldn't refinance a loan at the lower rate seeing as how I am more able to make the payments on time with the lower rate than I was at the higher rates seen in previous years. I am currently making almost {$200.00} per month less in payments than I have in times past. In times past, I have also struggled to make payments and they are unwilling to work with me and then they get to charge late fees, etc. Perhaps another reason to deny my refinance.
Complaint sub-issue: Contacted your employer

I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are competely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within XXXX business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it XXXX sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are completely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXXXXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00XXXX XXXX XXXX Balance : {$2700.00XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

Account Numbers : XXXX & XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection accounts are listed as having a balance of {$240.00} and {$54.00} respectively. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards as collections should not be reported with a past balance or balance.

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Reporting company used your report improperly

Equifax has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.
Complaint sub-issue: Banking errors

I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1.  Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening. 2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance ''  ). I have transferred the fund in XX/XX/2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''. 
I submitted a claim to CFPB on XX/XX/XXXX ( XXXX ), and received their response on XX/XX/XXXX. I mailed the W-8 ben form as Citi 's request on XX/XX/XXXX, and emailed the Citi Executive Response Unit that I have mailed the form, and expressed my concerns. I've not received a response. I've called Citi bank several times today, and a representative have confirmed that they received my W-8 ben form but told me that I have not been W-8 ben form certified. As the same problems has been happening, I questioned how many times do I have to send the W-8 ben form to Citi if they just keep not verifying it. As I did submitted W-8 ben before for twice. The representative put me on hold and after a while the call got hang up. As you can see in one of the screenshoot, I have called Citi bank 9 times today. For 3 calls I got to talk to a representative, and 2 of the calls got hang up when the representative put me on hold. For the last call, the representative put me on hold when he was looking up my case, and then I got transferred to another representative. I was told by the last representative I talked to wait for one more week. I have not got an answer when exactly I'll be getting the bonus yet.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  is reporting that I opened a card XXXX of 2022 I did not. 
Their reporting 0 % usage of {$200.00} This is not my account.
Complaint sub-issue: Problem with fees

My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.
Complaint sub-issue: Account information incorrect

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.