Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

I have a citi bank account package ( checking and saving ) opened online on XXXX XXXX. I tried to link this account with my existing citi bank online account, or to register an online account to access this account several times, and also tried to call their service number. The representative went over all trouble shootings, but I still didn't have any access to my account online so far. The representatives keep repeating the same methods, and it's a total waste of my time.
Complaint sub-issue: Problem with personal statement of dispute

CBNA ( Citibank ) provided me with a letter through my mail and said that the account is not fraudulent. I had filed a police report about this account and they did not provide me with anything that this account is proven to be mine, they have nothing bearing my signature or anything to prove that this account is mine. This was really hurting my credit and I have been disputing it and you have yet to provide me with any proof! I am trying to buy a home so I had no other option than to pay the account so I could get my credit scores up. This account was never mine and it was ridiculous that I paid it in the first place. I am asking that you provide something bearing my signature about this debt or remove this account from my credit file all together. I am very disappointed with how this situation was handled and if this is not corrected I will be contacting the Attorney General for you not taking this fraudulent activity seriously.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

on/ or about XX/XX/XXXX, a person appeared at my door as a process server and handed me the following paperwork " ORDER FOR INTERROGATORIES '' OR " STANDING ORDER FOR INTERROGATORIES. Alpine Credit INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Co XXXX Prior to this date on or around XX/XX/XXXX - Alpine Credit did engage in a similar tactic that a court document was delivered to my home via US mail and/or in person similar to the above description. 

However no court date was present. I believe this is a scare tactic by Alpine Credit to collect on old debt.
Complaint sub-issue: Information belongs to someone else

I have reported some accounts to Equifax that are not mine and they have not removed this information from my credit report yet.
Complaint sub-issue: Billing dispute for services

I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I used a 0 % balance transfer offer from my US Bank Visa card in order to spread out a {$4000.00} bill. ( I paid the transfer fee of XXXX right away and paid each month thereafter to shrink the balance. ) The monthly bank statements stated EXPIRES WITH STATEMENT XX/XX/2021, which struck me as vague -- no actual due date. I thought the balance due would be owed once I received my XXXX statement. Thankfully, I called and learned that the balance was actually due by XXXX XXXX. Had I waited for the XXXX statement, I would have owed hundreds in interest fees. 

I feel it is very deceptive to include the vague " expires with statement '' phrase. The bills should include an actual due date, unless the bank is purposely trying to trap people into owing fees.
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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE UNAUTHORIZED INQUIRIES AND ACCOUNTS I WAS NEVER LATE ON I AM ENCLOSING A LETTER OF EXPLANATION
Complaint sub-issue: Information belongs to someone else

I have filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Problem getting report or credit score

I was denied credit by XXXX XXXX on XXXX/XXXX/15 and an apartment community last weeK. 

I went to Equifax today to get my report due to adverse action online, they said they ca n't give it to me because I do not have a paid service with them. They told me to go to Annual Credit Report.com to retrieve it. But, I said I am requesting because of adverse action. However, I did what they say and because of Equifax and too many requests they told me to make now I ca n't get it. I spoke to a fourth person at Equifax at XXXX at XXXX today and he said the only way I can get it today and right now is by purchasing it with him on the phone for {$10.00}.
Complaint sub-issue: Investigation took more than 30 days

I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Debt is not mine

I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.
Complaint sub-issue: Billing problem

PNC Bank screwed up our paperwork which changed our due date after we signed the loan papers. We asked for them to fix the due date but they refused and said we needed to give them extra payments in order to change the due date. We pay the loan every month before the late fee is applied on the XX/XX/XXXX but they call numerous times a day before our due date harassing us to pay them BEFORE our due date. At least 3-5 times a day on each of our cell phones which results in 10+ phone calls a day. We pay our loan every month before its late. Credit score is excellent no need to harrass.
Complaint sub-issue: Keep getting calls about your loan

A company called me with information about my loan and said they can help get my loan paid off. They had all of my information already. The name of the school is Guidance Alum.
Complaint sub-issue: Reporting company used your report improperly

This is NOT a duplicate complaint. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an 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. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Complaint sub-issue: Account information incorrect

I previously submitted the following complaint : I applied for one credit card with US Bank on XXXX XXXX, XXXX. The bank ended up submitting 4 credit inquiries on my XXXX  credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, I received a response from the Office of the President. I 've attached the letter. In essence, it states that the offending inquiries have been removed. However, this is not true. I ran my most recent XXXX credit report. As of XXXX/XXXX/XXXX, the following inquiries still appear on my report : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please remove these inquiries ASAP.
Complaint sub-issue: Received bad information about your loan

Equifax is reporting inaccurate data on my credit report, stating that I was late XXXX XXXX XXXX XXXX XXXX XXXX. I was not late, for the year of XXXX  and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/2018 which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud.
Complaint sub-issue: Can't close your account

XX/XX/XXXX. I contacted Citibank re : my Sears ( Shop Your Way ) Mastercard. I spoke to several agents in which 2 offered this months interest and XXXX late fee as discount for being a valued customer. I feel I deserve a better discount for the following reasons : I have paid interest since XXXX, I used the card more during Covid as I waited 8 months for unemployment and it was a source of money. This was a hardship for me. 
I have been hacked 3 times in past year ( I was in XXXX when they closed my acct as someone in CA tried to charge {$500.00}. ) They refused to ask me security? 's and I barely got back home to MI. I have asked Citibank XX/XX/XXXX to not allow usage of card as I am not going to use it and I haven't.
Complaint sub-issue: Report provided to employer without your written authorization

We applied for pre-approval from XXXX and the lender had said it would be a soft inquiry. This hard inquiry on XX/XX/2021 is unauthorized. The second inquiry on XX/XX/2021 is unknown and not authorized. Please assist. Thank you.
Complaint sub-issue: Information belongs to someone else

I noticed unauthorized inquiries on my report. 

XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Report provided to employer without your written authorization

15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX XXXX and Equifax ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Complaint sub-issue: Application denied

Around XX/XX/2018, I applied for a XXXX XXXX XXXX Credit card at the XXXX XXXX XXXX 's location. The card was approved. 

About a week later I received a letter from XXXX 's communicating congratulations for opening a XXXX XXXX XXXX XXXX. ( See attached letter ). 

However, I was stunned to learn that XXXX 's also applied for me to get a XXXX XXXX XXXX XXXX XXXX without my approval. 

This practice should not be permitted and I believe it's is not legal. As a result, my credit is damaged for being declined for a credit card I did not apply for.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is my third time opening this case and I will be taking cash app to court if I am not helped and refunded I got my card fraudulently used cash app refuse to refund me been calling them emailing them everyday still nothing refuse to help employee dont care rude by the way and alway give the same response will be making a class action lawsuit and I already have a list of other people they refuse to help I will be attaching my cash app and everything they refuse to help me with they just keep responding that I am not the account owner ( which I am ) they are a scam company they also closed my cash account because they refuse to help me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 was result of identity theft

I am a victim of Identity Theft. The account XXXX listed on my consumer credit reports in the amount of {$98.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX  account and this is a direct result of Identity Theft. Furthermore, Enhanced Resource Centers ( ERC ) has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), Enhanced Resource Centers ( ERC ), you are required by State and Federal laws to cease all debt collection, and remove this fraudulent account from my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Complaint sub-issue: Trouble with how payments are handled

I received XXXX from the XXXX for student loan forgiveness. Fedloan Servicing agreed to apply the amount to my loans and set it up so that I would not have to pay again for 4 years. I have made numerous calls to them and they tell me everytime that it is fixed but they still show my account as in forbearance and I can not see where the money was applied on the website. I have emailed them as well but they do not respond. I am now trying to purchase a home but this is causing an issue now.
Complaint sub-issue: Their investigation did not fix an error on your report

I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX, XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa credit card account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PR XXXX in XXXX, XXXX. 

Working with XXXX XXXX XXXX XXXX XXXX XXXX, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX. 

However, on XX/XX/XXXX of XXXX, XXXX XXXX once again made a inquiry of my credit with XXXX  and Equifax credit bureaus. 

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX explain the nature and purpose of this credit bureau 's inquiry of my account. 

To date, I have not received any response from XXXX XXXX XXXX. on my request.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed several times as there are many violations with this account : account XXXX XXXX with XXXX and Equifax XXXX : account XXXX XXXX Equifax : account resolution and collection bureau of {$180.00} These companies have failed so show some type of signature or contract that I have alleged debt with THEM! This is also a violation of my HIPAA rights. I have not signed a HIPAA Release form with the alleged creditors. Therefore, these are inaccurate and HIPAA violations and need to immediately be deleted. HIPAA laws protect my personal information from being used without my consent. 

Also, these accounts are in violation of the NO SUPRISE ACT! 

Also, these alleged collection accounts are not open accounts and therefore are inaccurate
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX To Whom It May Concern : The following account was charged off on XX/XX/2019. Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not have an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : OMNI FINANCIAL XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Public record

I have been trying to remove negative marks from my credit report. Equifax has given me the hardest time. I had a tax lien with the State of Ohio. It is over XXXX years old and it has been released. It should be removed but it has not been. I feel that this is an unfair practice and should be resolved.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Jefferson Capital Systems LLC ( XXXX ) XXXX >>> XXXX XXXX<<< This is a wonderful company That Almost Predatorayl Parks debt on my credit report RANDOMLY. They make No attempt to collect a debt ( my phone numbers up to date as my adress ) They mail nothing and they report " New '' account from 9 years ago that have been taken off my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 

Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 

Presently, XXXX is probably trying to modify the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request.