Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXXt Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act Convergent Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

I never opened this account. I don't know what it is. It appears to be a charge card. If it is it was opened fraudulently in my name. If they have my social security number I do not know how they got it. They are listed on my credit report in two different accounts with the same balance. It seems very odd. It says it is an online marketing company and that I owe {$710.00}. It says it was opened in XX/XX/2015. I've never purchased or received merchandise from this company. This must be a fraudulent account. I would like the company to either prove it was me that opened this charge account or please have it removed from my credit report. As it is negatively affecting my credit.
Complaint sub-issue: Information belongs to someone else

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. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX 2022 2022
Complaint sub-issue: Problem with fees

I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed. 

Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}. 

What? 

I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance? 

Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems. 

This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge. 

Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to. 

I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement.
Complaint sub-issue: Debt was paid

Im filing a complaint against AFNI on a old XXXX  account. A representative from AFNI told me if I paid XXXX $ and settled a debt that they would delete this account from my report. That call was monitored and recorded and I would like a investigation to be done and for this creditor to stop tell consumers fans statements. This is horrible.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation  presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.
Complaint sub-issue: Information belongs to someone else

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Complaint sub-issue: Banking errors

I opened a Citibank Priority checking and savings account through a promotional e-mail sent to me by Citibank ( I was a Citi Double Cash credit card holder and have had a few different Citibank credit cards over the years ). The promotion was that I would receive a {$700.00} bonus once I funded my account with a minimum amount specified in the e-mail ( I funded the account XX/XX/XXXX ) and kept that minimum amount in the account for 60 days and then waited up to 90 days after that for the bonus. Opening the account was not made easy due to the lack of customer service provided by the Citibank telephone reps ( I opened the account through the promotional link and then called to fund it over the telephone ). Because Citibank is a large company and the hassle I went through opening/funding my account I called in mid XXXX ( just before the 60 days ) to make sure the promotion was on my account ( the rep confirmed it was ) and to see what day I could move the funds to a high yield savings account ( at Citibank as well ). I was told XX/XX/XXXX was the day I could move the funds and I called on that date to again verify the promotion showed on the account ( the rep confirmed it did ). I decided just to be safe to wait until early XXXX. That day I called to make sure for the third time the promotion showed on the account. This time the Rep advised that the promotion showed in one of their systems but not the second for some reason. The rep transfered me to a Supervisor who told me they would add the promotion code to the second system and that I would receive my {$700.00} promotional bonus no later than XX/XX/XXXX but potentially sooner ( after confirming I had met the dollar amount and 60 day requirements ). Since this whole thing had already been a hassle I called on XX/XX/XXXX to make sure I would receive the {$700.00} the following day. The rep advised that the promotion code was still only showing in one system. The rep advised she would open a promotion dispute once confirming I had met the dollar amount and 60 day requirements and that I would see the {$700.00} no later than XX/XX/XXXX. I was also told a Supervisor would call me. I called on XX/XX/XXXX because I didn't receive a call from a Supervisor and was told they would expedite my dispute and again said I would definitely receive the {$700.00} on XX/XX/XXXX. I did not receive the {$700.00} on XX/XX/XXXX and it was not showing as pending/scheduled. I called on XX/XX/XXXX and was told they were still 'investigating ' the dispute from XX/XX/XXXX and that the person I talked with on XX/XX/XXXX opened a second dispute instead of expediting the first. I asked for a Supervisor and was rudely told that I would get the same information from a Supervisor as I just received and to just wait and be patient and I would receive the {$700.00}.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Talked to XXXX of card member services @ XXXX XX/XX/18 and XXXX XXXX XXXX XXXX @ XXXX XX/XX/18 regarding my credit card which they closed and regarding the increase in interest rate. XXXX stated that I should have gotten a separate letter stating my promotion ended on my credit card. I was never notified of this therefore shouldnt have to pay the increased interest rate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like immediate removal from my credit reports
Complaint sub-issue: Billing problem

Multiple Dispute Letters sent XX/XX/2022 to XX/XX/2022 Last Response From Acima Received XXXX/XXXX/202 By law I XXXX XXXX the consumer, sent XXXX notices to XXXX by mail about the inaccuracy of the accounts below. XXXX was given the opportunity to correct and produce all general disclosures required by law XXXX. In response XXXX responded to correct errors on the account, however Acima has failed to provide any disclosures 15 U.S. Code 1638. Disclosures are in fact a part of the accuracy of each account. Acima policy to report the consumers non public information is only applicable if all the disclosure requirements have been met by law. XXXX has reported my non public information to non affliated thrid parties without consumers consent 15 USC 6802. Acima failed to comply with requirements of the laws above that fall under Contract Law, State Law, Federal Trade Commission, and Consumer Financial Protection Bureau. 

ACCOUNTS : XXXX Alleged Balance {$770.00} 15 months negative reporting Total {$890.00} XXXX Alleged Balance {$800.00} 15 months negative reporting Total {$1100.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A credit inquiry made on XX/XX/2018 from XXXX shows on my Equifax credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

In Early XX/XX/XXXX, I submitted a dispute to all three credit bureau XXXX, Equifax and XX/XX/XXXX. I wrote a physically letter to XX/XX/XXXX and XXXX but made an online dispute with Equifax. After the 30 days or less XXXX and XXXX deleted my dispute. However, when I tried to view my results from Equifax I couldn't view them. I was instructed to call the customer service number. When I called I asked what my results where. She read that I upon further investigation, the results where that the debt is yours. I told her out of the options that were available on the online form, I went on to explained that I added that the information of responsibility isn't correct. That it says " joint " and not individual. The rep didn't seem to understand what I was saying, there seem to be a language comprehension barrier as she definitely wasn't from the United States. I started to get frustrated because she didn't understand that this didn't answer my dispute at all. I requested a supervisor. I retold the supervisor my story, and asked her point blank, if my debt had been deleted or not she not only said yes once but twice. However, on another website about a week later, I found out that this was not true to much of my chagrin. I then called them back and explained everything again, this agent said she would mail me everything to see the results and told me she is going to submit a re-investigation. This was done at XX/XX/XXXX. Today, is XX/XX/XXXX I have yet to receive any paper mail confirmation of my re-investigation or any communication. I have emailed a complaint to them today as well. XXXX  and XXXX felt my information and case were valid enough for a deletion. But, Equifax failed to even clearly identify my issue and didn't even look into my evidence I provided. The need to investigate not only my complaint but my dispute thoroughly.
Complaint sub-issue: Personal information incorrect

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXXXXXX {$2100.00}
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new Citibank account on XX/XX/XXXX. They advertise that depositing {$15000.00} between your new checking and savings accounts and maintaining that balance for 60 days will net you a {$400.00} bonus 90 days later. I left the required amount in Citibank for the entire 150 days. It's now 152 days later and I still haven't been issued my bonus. When I went into the branch to complain, they told me that the account had to be originally funded via cashiers check ( not cash ) When I told them that wasn't in the terms of the original agreement, was not mentioned in any of the promotional material, and that no one mentioned it to me when I opened the account in the very same branch ( while referencing the {$400.00} bonus specifically ) they told me there was nothing they could do but open an inquiry. 

Here is a link to their promo. The terms are exactly the same with the exception that the offer dates have changed since I opened my account : https : XXXX? XXXX & XXXX ( I will also add this as a screenshot attachment in case that link goes missing ) As you can see there is nothing in there about the method of funding. It just says deposit {$15000.00} in new to Citibank funds between the new checking and savings accounts, and to maintain that balance for 60 consecutive calendar days. That's exactly what I did and I still haven't been given my bonus.
Complaint sub-issue: Information belongs to someone else

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Complaint sub-issue: Their investigation did not fix an error on your report

I have being going back and forth with the three major credit bureau XXXX, Equifax and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
Complaint sub-issue: Don't agree with fees charged

I had a XXXX grant, which FedLoan Servicing converted to a loan because they claimed that I did not complete the required yearly statement saying that I was currently XXXX ( which I have been and still am ). I called and sent a letter, stating that I received no communication from them about this yearly statement and had no idea that it was due. They claim that they put messages in my portal. This is unacceptable, because any email I have ever received which said something about a new message being in my portal resulted in me clicking the link and being denied access because of some error on their website. I have received no notifications from them. I have requested that they correct their error and convert the loan back to the teach grant, as it should be. They have refused to acknowledge that I was never notified. This is unacceptable, and any help would be greatly appreciated.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been a victim of identity theft, I currently have a fbi working with me. XXXX suspects opened and charged high amounts on a lot of credit cards. XXXX of those being XXXX accounts with elan financial services XXXX and XXXX. Please advise Elan to remove the charges and accounts from my reports please.