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

I am reporting because I am really getting annoyed with the business practices of this card. I understand that it is a card for those with limited to bad credit, but the fees are outrageous. It was reported that I maxed out or exceeded my limit. I did not max out the card. The fee of {$49.00} was added to the statement, making the account {$600.00}. It was not maxed out on my end. The added fee was what gave that result of {$600.00}. I paid for an XXXX XXXX & rental with this card & was strategic on not maxing out the card. Additionally, I did not receive a reminder of payment for the first month payment. So, after only 3 days grace period, I received a $ XXXX {$45.00} charge that was reported again. All of that which is reported is not helping my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.
Complaint sub-issue: Debt is not yours

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 COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove and/or update those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or update immediately or I will file for litigation due to the stress you have caused me. Please correct and update the late payment reported from my report.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report
Complaint sub-issue: Information belongs to someone else

THIS IS INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.
Complaint sub-issue: Account information incorrect

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.
Complaint sub-issue: Account status incorrect

The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record.

Thank you.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Checking and Savings account on XX/XX/19 for {$400.00} bonus + {$100.00} bonus for 2 direct deposit. I opened on the phone with the consumer representative. After the account was successful open, I deposit the funds required immediately on the phone with the rep. CitiBank purposely delayed my funding and claims, I did not meet the requirement. I didn't wait at all and gave the representative all the information and funds required for CitiBank to process the funding. I left the funds in there for the required amount of days but CitiBank refuse to pay out the bonus while I am earning almost 0 % APR if I were to leave the required money at other banks. I chatted with Citibank and was hoping to get the issues resolved but they did not honor their part of the promotion. Here is the terms and conditions of the promotion. 

Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of  opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 and XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Someone has stolen my identity
Complaint sub-issue: Other problem getting your report or credit score

I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " XXXX XXXX '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both Equifax and XXXX. The reports show that I have never missed a single payment ; I have credit history over seven years ( which apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both Equifax and XXXX. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from XXXX, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.
Complaint sub-issue: Account information incorrect

Around XX/XX/XXXX, American Education Services ( AES ) reported to the credit reporting agencies that I am a joint owner and have joint contractual liability for five student loan accounts. AES has misrepresented the ownership of these student loans accounts on my credit reports. The accounts were open by a sole owner on the following dates with the original loan amounts : XX/XX/XXXX {$26000.00} ; XX/XX/XXXX {$5300.00} ; XX/XX/XXXX {$20000.00} ; XX/XX/XXXX {$10000.00} ; and XX/XX/XXXX {$10000.00}. I did not agree with AES to borrow money from their financial institution for student loans. I agreed to cosign the loans but I did not sign as a joint owner or joint borrower. The legal status of these titles make a tremoundous difference. I co-signed for the sole account holder and owner of the accounts who borrowed the money. At some date, which I am not sure, AES changed Responsibility to Joint Account impling that I borrowed these funds. This change impacted my credit report with adverse transactions and more importantly causing my credit score to decrease by 45 points or more. I discovered this drastic decline when I checked my XXXX XXXX XXXX account for my free FICO score. 
In legal terms a joint account or co-borrower is an account with two or more individuals borrowing funds or property and the joint owners agreeing to repay in accordance with the terms for payments. In legal terms a co-signer is responsible to pay if and when the borrower/owner fails to pay but has not borrowed the funds and has not agreed to pay on the terms that the owner agreed. Over the course of the repayment, I have complied with the co-signer terms and paid when the borrower/owner was unable to repay the monthly loan amounts. However, this action does not make me a joint owner. AES continual seeks to undermine my credit standing and score, calling and stating that they will report nonpayment should I not pay. They call me even before they check with the borrower for payment or arrangements for payment. AES ' action is a violation of my consumer rights, reporting me as an owner when I am not.
Complaint sub-issue: Charged too much interest

On XX/XX/2022, Citibank Mastercard credited my account for {$51.00} in fraudulent interest charges. In its XX/XX/2022, bill, Citibank then charged me {$30.00} in new interest for failing to pay the {$51.00} that it credited to my account weeks before the XX/XX/2022, XXXX was due in early XXXX. This the the fourth month that Citibank has tried to pull the same scam : 1 ) give credit ( s ) ; 2 ) disregard credit ( s ) for purposes of determining interest due ; 3 ) charge interest not due Each time, they credit my account and then disregard the credit ( s ) when determining if I paid my " monthly balance '' You closed my prior complaint for prior fraudulent interest charges by Citibank with no investigation. I see we gave your agency about {>= $1,000,000} in XXXX 2022 to " protect '' us from scammers, like Citibank, an habitual offender. I await your response with interest. Next month, Citi will likely try this scam again because I will not pay any amount fraudulently placed on my bill - sent by the Internet and U.S. Mail with, at a minimum, reckless disregard for its accuracy - arguably wire and mail fraud - " predicate acts '' under R.I.C.O.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed for my entire information : SSN, DOB, DL #, address, credit card information, etc. to be accessed by parties not entitled to the information. My entire equifax history is now part of the hacker world with complete access to anything they want.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I bought a Visa gift card issued by U.S. Bank National Association from XXXX on XX/XX/2021. I tired to use the card and failed. I called the number on the back of the card on XX/XX/2021, the representative told me the card has been compromised as the records showed someone tried to use the card several months ago before I even purchased this card in XXXX. I was told they will expedite the shipping of the replacement card at no cost to me. I just called them on XX/XX/2021, I was told there is not expedited shipping of the replacement, I will receive the replacement card though the regular mail. this is unacceptable, I was promised one thing and it didn't happen.
Complaint sub-issue: Can't qualify for a loan

Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX I sent certified mail legal documents including a letter of Administration and a certified death certificate to Discover Bank. I had called their beneficiary care dept. and was told the XXXX. XXXX was XXXX, XXXX XXXX XXXX, UT XXXX. They signed the return receipt on XX/XX/XXXX. When I called on XX/XX/XXXX, the same dept told me the P.O. box number was wrong, and they can't locate the letter. My point is someone signed for the certified mail envelope, what is their policy for mail sent to them with a wrong Box # on it? Why don't they refuse to sign for it, and return it? I of course, believe they do indeed have it, and like any Bank will do anything they legally can to delay money being sent out. How is this legal?
Complaint sub-issue: Their investigation did not fix an error on your report

I Disputed accounts on my credit report that were NOT ( validated ) or 100 % accurate as I look over my Credit profile they are still reporting these fraudulent accounts I also filed a report with the XXXX and a XXXX report
Complaint sub-issue: Public record information inaccurate

I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX somewhere in New York at the store XXXX XXXX XXXX a lease was applied for in my name using an email and phone number that is not mine. They applied for a lease through the company Acima, a lease to own company in my name. They also used an address in New York and I don't live in, never traveled to, or been in the state of New York-I live halfway across the country. I am now in default of this lease and it is negatively impacting my credit score and is now 60 days past due and is in collections. 
I contacted Acima today, on XX/XX/XXXX and Acima will not help me dispute this. They told me to contact the credit bureau reporting it, that is helping but I need this taken off of my credit report. Acima is doing nothing to help me and it took 3 phones calls and 3 representatives to even get the name of the vendor : XXXX XXXX XXXX, they weren't going to release it to me. I also had to beg for an email address that isn't tied to me at all. They treated me like the criminal. 

ACIMA Account XXXX XXXX Date opened XX/XX/XXXX Balance as Balance updated XX/XX/XXXX {$5900.00} Original balance {$5400.00}
Complaint sub-issue: Inadequate help over the phone

Original CFPB complaint XXXX was filed against LexisNexis for refusing to freeze my consumer report. I am a victim of ID theft. 
I received correspondence from LexisNexis in the mail my file was frozen. It however appears LexisNexis used a variation of my last name an ID theft used to apply for credit cards in my name. 
How do I know this file frozen file is in fact my file?
Complaint sub-issue: Received bad information about your loan

I submitted my IDR renewal with American Education Services on XX/XX/XXXX, which was the final day to submit. They then requested more information. I sent them via mail the paper application that they requested, my wife 's most recent paystub, my most recent pay stub and my tax return. They responded to me via a letter several days later on XX/XX/XXXX accusing me of not sending my own income information and telling me that I sent them the wrong tax return providing further instructions ( for the first time ) on which tax return information they needed. I then resent them my wife 's pay stub, my paystub and now the IRS form. They approved these forms on XX/XX/XXXX. 

Unfortunately, they decided to capitalize my interest stating that I missed the deadline. I have asked them via emailed exchanges how this was so. At first, I messaged them on XX/XX/XXXX noting that I applied on time. They responded the same date stating " we must receive all required documents within 10 days of the deadline. '' I responded noting that I had mailed it to them within the 10 days. They then responded XX/XX/XXXX by stating that " our office must receive the required documentation no later than 25 days before your current IBR schedule ends. '' They then referenced that this was stated in a recertification notice sent to me on XX/XX/XXXX ( attached ). However, on review of the document they reference, there is no mention of " 25 days '' or " XX/XX/XXXX. '' I find it frustrating that AES seems to do the bare minimum for the people it services and when it makes a mistake, refuses to atone for it. The most recent response states that my original application was " confusing, '' but they have not explained what was confusing about it. They seemed to not need another paper application when I re-mailed all my other supporting documentation as I did not mail a new paper application the second time. I only mailed my wife 's income, my income and the IRS tax form. 

Please let me know if there is any other supporting documentation.
Complaint sub-issue: Debt is not yours

L J ROSS ASSOCIATES IN account # XXXX This is fraud according to the USC and particularly 15 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent This shouldn't even be reflected on my report and FCRA you have no right to collect Further more. My debit was paid for 3x over if you have possession of it please review consumer law and prove otherwise we can get into the power of taxes, my signature and ssn # Any action besides an elimination of this debt entirely will result in you being sent my fee schedule a {$1000.00} collection and a notice of court for harassment and adverse action