Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

Throughout the course of XX/XX/XXXXand XX/XX/XXXXmy wife and I opened some Citi AAdvantage Platinum Select cards through legitimate promotional offers and honest credit applications. The terms on these promotional offers were clear and applicable to us on every occasion, and through them we were able to earn a substantial American Airlines AAdvantage mileage balance through bonus offers. In essence, we had entered into legitimate contracts with Citi and earned legitimate promotional bonuses through legitimate spending. In short - we had earned these miles fair and square.Two weeks ago American Airlines closed my AAdvantage account without notice and refused to provide any communication with me. Similarly, my wife's AAdvantage account has been locked and unable to use. I contacted their phone line, their AAdvantage email support, and their executive office to no avail. Not a single person returned my calls or emails. It was not until I filed a complaint with the XXXX XXXX XXXX that I received an email from the company's corporate security department, who merely provided me a boilerplate email claiming I had engaged in abuse of their program. I asked for specifics, because I know we have never engaged in abuse with their program. To this day I have not received any specific details about why my account was terminated, though the suspicion is that I had earned too many miles (through legitimate promotions and offers from Citi) and they did not want me to spend them. Since then I have done some research and discovered hundreds - perhaps thousands - of other AAdvantage members facing a similar issue. Accounts shut down, reservations cancelled, and no communication directly from the organization in advance of these events. The airline is acting in a dictator-like fashion and shutting down users for no apparent reason. The sentiment of many of these people mirrors mine - which is that American Airlines is punishing members who utilized credit card bonus offers provided by Citi. The simple fact is that we applied for a financial product under certain terms and conditions and went through a full background credit check and approval process before being approved for this product. We then went through a specific spending process which was reviewed by the bank and was fairly awarded my miles. At no point in this process did we participate in abuse, fraud, or misuse. We entered into a contract with Citi, was awarded miles for meeting certain terms and conditions, and now American Airlines has decided they can take these miles from us.However, because of American Airlines's recent uncouth business practices, we have had the miles we fairly earned taken away from us without due process or explanation. Because of this, it no longer makes sense for us to keep any actives AAdvantage credit cards open as we will be earning miles into an account we can no longer utilize.
Complaint sub-issue: Their investigation did not fix an error on your report

You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXXXXXX XXXX from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.
Complaint sub-issue: Information belongs to someone else

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

I received a letter by mail on XXXX XXXX 2015, stating that I owed Discover XXXX. I do n't know why it went into collections, since I was making payments to Discover. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XXXX, XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. Then I get a call from XXXX stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from XXXX and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from XXXX stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " XXXX '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.
Complaint sub-issue: Trouble with how payments are being handled

I have been enrolled in auto-debit with fedloan. Payment did not get withdrawn on time and there was no note on the website acknowledging that the payment was pending. In order to prevent a late payment on my loans, I submitted a manual payment. Afterward, I called fedloan and the representative told me that just one payment was pending. Then, the next day, the manual payment went through and my auto debit withdrawal went through, so I ended up submitting 2 payments instead of 1. When I called fedloan, the representative said that I will receive a refund of the payment I submitted manually within 60 days. The representative said I will not receive an email or any record confirming that I will receive a refund.
Complaint sub-issue: Debt is not yours

I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Complaint sub-issue: Information belongs to someone else

I've sent a letter about 2 accounts listed on my personal credit report and Equifax replied in a letter stating one of those were not reporting. That account is still reporting as of XX/XX/19 and I want it removed immediately.
Complaint sub-issue: Information belongs to someone else

XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint againsXXXX XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Talked to a third party about my debt

This information was shared illegally ( Third Party ) without my informed consent.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.
Complaint sub-issue: Information belongs to someone else

The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX  {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello : I would like to know why is my credit score so low on my Exqufax report vs the other 2, i have filed many complaints against this company about there reporting practices, i really don't trust the accuracy of Equifax reporting looking at the fact of how they botched so many people credit report a couple years back my credit score has never been consistent with the other two bureaus ever since I have been following my credit report my score never rises versus the other two credit bureaus is something very off with Equifax and I really don't trust them
Complaint sub-issue: Debt is not yours

I just noticed from my credit report that an unknown collection agency has reported a utility bill from a company ( XXXX ) which I don't have. I contacted the credit bureau XXXX  which is showing this on their page and disputed It as I don't have a XXXX account, and want this removed from my credit history. They rest of the credit bureaus have already removed this from my account except experian. 

-- - Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2021 Original balance {$360.00} {$360.00} Payment Info Original balance {$360.00} Balance {$360.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 2021
Complaint sub-issue: Debt was result of identity theft

Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$1500.00} XXXX-XXXX****-Balance {$240.00} XXXX XXXX XXXXBalance {$62000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent
Complaint sub-issue: Debt is not yours

This is a formal complaint that LENDING CLUB CORPORATIONS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When verifying my credit score in XXXX XXXX I observed that I have innumerable requests for credit intagacion which I have not made, mostly they are from car dealers, since I do not need to do them because I have a car. 
I was a victim of identity theft in the Equifax XXXX case and I am in the class lawsuit against Equifax. I have contacted some of the auto dealers where they have checked my credit and they do not have evidence of my identity as a license copy. driving, I request that these inquiries be withdrawn from my credit, thanks, XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I made a payment on my Macy 's credit card account via an ACH draft from my checking account. I paid off the full balance of the account at that time. The amount of the ACH debit was {$220.00}. 

I received a notification from XXXX that I had a negative payment history filed on my credit report. I pulled my credit report to see what had been reported and found that Macy 's was reporting my account delinquent, despite having paid in full. 

I immediately contacted Macy 's credit services to get this error corrected. The representative stated that they could see where I had authorized the ACH payment but it had not credited to my account & inquired if I had seen the transaction clear my bank account. I confirmed that the transaction had cleared my account on XX/XX/XXXX. I was given a fax number to fax proof that the transaction had cleared and assured that they would correct their error and remove the negative reporting. I faxed proof that same day as instructed. 

Today, XX/XX/XXXX, I contacted Macy 's credit services again and was informed that the error was still not corrected. I also today, XX/XX/XXXX, received notification from XXXX   that they had completed their investigation and upheld the fraudulant negative reporting by Macy 's since Macy 's still has not applied the cleared payment to my account. 

I have proof that this is Macy 's error and have suffered damage to my previously exemplary credit because of their negligence and failure to resolve this issue despite all proof of their error being provided to them. This is unacceptable and unethical business practice.