Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Submitted to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX is reporting that on XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. '' XXXX XXXX XXXX XXXX responded on XX/XX/XXXX stating that " We received a dispute from this consumer on XX/XX/XXXX. That is why the consumer has not received the response yet. This consumer submitted an application XX/XX/XXXX through XXXX XXXX XXXX of XXXX to finance the purchase of a XXXX XXXX XXXX. Upon receipt of the credit application, we had a permissible purpose pursuant to the FCRA to obtain and review a credit report to make a credit decision. The credit application was declined. Based on public records, the consumer lived at the address on the credit application. Attached is a screen shot of the application received from the dealership. If the consumer, in fact, did not apply for financing with the dealership and believes she is a victim of identity theft, she may send me a fraud affidavit and police report to XXXX. If she did, then the credit inquiry is valid and should not be removed. '' However, the screen shot that was attached was not an application filled out by me. it was intact a screenshot of a software that I do not recognize. The company does not have my signed and dated credit application on file because I did not provide written consent to XXXX XXXX XXXX of XXXX or another firm to run my credit on XX/XX/XXXX. This is not identity theft as suggested my the company, this is simply a case where a representative ran my credit without my written prior authorization or consent.
Complaint sub-issue: Old information reappears or never goes away

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
Complaint sub-issue: Account information incorrect

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX XXXX XXXX )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Requested my CLUE report in XX/XX/2020 as I am entitled to see it once yearly. I was sent a letter in the mail with a web address and pin number to access that report. Upon trying to access the report on XX/XX/2020, I was denied entry to view the report even though the pin was not expired. I then called the help phone number provided and was placed in an automated system that did not work. I attempted to obtain a live agent but was not able to reach one. 
Due to this, I am not being provided my CLUE report.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Complaint sub-issue: Reporting company used your report improperly

MY INFORMATION WAS COMPROMISED AND THESE ACCOUNTS WERE CREATED AS A RESULT OF MY INFORMATION BEING STOLEN. 

ALSO I CONTACTED THESE COMPANIES AS WELL AND DID NOT GET ANY RELIEF 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax, XXXX, and XXXX all showed my name and report as having an account with XXXX Credit Cards. XXXX dispute was good and the bad information was removed. Equifax will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but Equifax have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Complaint sub-issue: Problem with rewards from credit card

I applied the Citi XXXX XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX XXXX bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX points. Tried to contact Citi customer servicevia online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.
Complaint sub-issue: Problem with rewards from credit card

For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by AA to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.
Complaint sub-issue: Debt is not yours

I received a letter in the mail stating that XXXX XXXX has sold my debt to USCB. I did not have any visit on XXXX XXXX XXXX which is what the debt collection agency is claiming that I have medical debt for. I checked XXXX XXXX and I do not owe any money to them as my insurance has covered the medical costs of last year and I have paid the rest already and these visits were in XXXX and XXXX of XXXX and not in XXXX XXXX as the debt collection agency claims.
Complaint sub-issue: Debt is not yours

I tried to purchase a computer for my child in best buy, when I never received the product, I called best buy and was told it had been delivered. I let the rep know i never received the product. upon checking best buy informed me they had made a mistake and sent the product to the wrong address. that they would issue a refund. its been over a year and im still having issues.
Complaint sub-issue: Was not notified of investigation status or results

i have submitted a dispute for an item that doesnt belong on my report for over a year now, and i still have not gotten a response. cant log into their website or speak to anyone on the phone. this has gotten out of hand an their is no excuse for the neglect equifax has shown.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Checking account on or around XX/XX/XXXX under the promotion code XXXX. I met the promotion code requirements by XX/XX/XXXX. These were 1 ) spend {$370.00}, and 2 )  download/log into the Citi mobile app. I have since had these requirements verified by multiple Citi Customer Service Representatives. Per the XXXX offer, I should have received the welcome offer, XXXX AAdvantage miles, credit to my AAdvantage account by no later than XX/XX/XXXX. This exceeds the 90 calendar day window to receive the offer. It is now XX/XX/XXXX, which is over 120 calendar days which I was supposed to receive the offer. I have since called Citi at least 5 separate times to resolve this issue. Several calls resulted in transfers to confused representatives that have not been able to resolve the situation. The latest call was nearly an hour and involved 3 transfers.
Complaint sub-issue: Investigation took more than 30 days

TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX XXXX {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!
Complaint sub-issue: Received bad information about your loan

MY account had been sold/transferred several times, without any notification, until a collection call would be placed. I would start making payments and then it would get sold again, but the payments i made were never applied because i was sending the money to the wrong company, and when i called the company I thought I was supposed to be paying it to, they magically have no record of receiving payments. I have been lied to repeatedly by Great Lakes, they have theatened to garnish my wages, take my tax returns, and other legal actions. i finally get into a plan i can afford, only to find out it doesnt even pay off my loan like they said it would, it just keeps paying them and never reducing the amount i owe, to the tune of {$13000.00} over the last 4 years. When I call, i get put on hold, or told they dont know whats happening, and they push me into another type of payment plan or forbearance. When i ask to speak to a manager, they never answer, or give me the run around. I cant get out of debt, and Im drowning in it.
Complaint sub-issue: Investigation took more than 30 days

I've sent certified letters to Equifax, XXXX XXXX and XXXX ( original creditor ) notifying them that In accordance with 42 USC 290dd-2 ( b ) ( 1 ) ( C ) Im exercising my right to revoke my written consent signed on XX/XX/2017 for your practice to use and disclose my protected health information with any third-party. I have never made a payment to XXXX XXXX in which XXXX uses to collect debt. Ive made any and all payments directly to XXXX XXXX XXXX and will continue to do so until the debt is paid. XXXX XXXX should cease any attempt to collect debt, discard any of my protected health information that may be on file and cease all reporting to the credit reporting agencies immediately. Failure to do so is a violation and will result in me taking legal actions stated in 42 USC 1320d-5 ( c ) ( 1 ) for noncompliance due to willful neglect. As stated above, I will continue to make payments directly to XXXX XXXX XXXX until the balance is paid in full.
Complaint sub-issue: Frequent or repeated calls

Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase of goods on XX/XX/XXXX from what I thought was XXXX company for shoe boxes. " XXXX XXXX  Looks like the site is now redirecting to XXXX it does look exactly the same. After making the purchase, it seemed fishy so I did some investigating and found that this is a XXXX company, nothing bad there but also found that many customers have purchase from them and didn't receive what they purchased, instead they got cheap plastic sheets that fold into shoe boxes but look and function nothing like the items advertised on the website. At this point I sent an email to cancel my order, but the merchant never responded. I then made a dispute to citibank on XXXX and they denied it on XX/XX/XXXX, I tried to explain my dispute after receiving the items to explain but it was once again denied. There are many reviews of this site along with XXXX reviews from customers. Also my order were for black shoe boxes cases and these are blue. Please see screenshots of what the item which was advertised and what was actually delivered. Added a pic of the item along with a size 11 shoe.
Complaint sub-issue: Threatened to sue you for very old debt

I received a letter from The XXXX XXXXXXXX XXXX XXXX XXXX stating that Cash Express LLC has filed a lawsuit against me in XXXX XXXX Tennessee, Docket # XXXX on a old debt. Im on Social Security and I am XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is 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 account listed below is still reporting on my credit report in violation of federal law. The Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting 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 XXXX
Complaint sub-issue: Debt was paid

I was offered a settlement agreement beginning in XXXX, XXXX through XX/XX/XXXX with six payments of {$170.00} ceasing in XX/XX/XXXX. MY understanding from the representative, XXXX ( credit specialist ) that the NEW agree would override the OLD account and would be REPORTED with the UPDATED settled amount which was paid out. XXXX has FAILED to report my payments as POSITIVE and settled. She/CONNS also continues to put NEGATIVE marks on my credit in which shows negative on my credit to OTHER* creditors. There should not be ANY and I mean ANY remarks on my credit after XX/XX/XXXX with my last payment to CONNS on that date XX/XX/XXXX. PLEASE have them to back date and remove ALL and EVERY NEGATIVE remark fromXX/XX/XXXX-XX/XX/XXXXXXXX XX/XX/XXXX, XXXX Documentation has been sent. I have disputed this but of course everybody plays games. This seems like a DISCRIMINATIVE issue and it NEEDS to be RESOLVED ASAP. 
XXXX @ CONNS # ( XXXX ) XXXX OR CONNS Direct # ( XXXX ) XXXX Thank you, XXXX XXXX XXXX XXXX ) XXXX Leave messages at both XXXX XXXX
Complaint sub-issue: Account status incorrect

I am writing in dispute to the payment history reported fromXX/XX/2017 throughXX/XX/2017. During XX/XX/2017,XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XX/XX/, Equifax, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements fromXX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX   representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX
Complaint sub-issue: Attempted to collect wrong amount

I recently saw this account added to all three of my credit reports, but have no knowledge and have received no notification of the debt. On my XXXX   credit report it is listed twice as a collection and once as an active account in good standing. I don't understand this as I have no contract with this company. I have not received any written notification and have not been provided an opportunity to request verification and/or validation of this debt. I have no contractual agreement with XXXX XXXX  at all. They are in violation of the Fair Debt Collection Act. I have now made disputes through XXXX, XXXX, and XXXX. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' and have yet to receive any information. They indicate I owe {$970.00}, but when I talked to an employee there he said they can lower it to ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added to my credit reports. It just showed up about 3 weeks ago within a few days of each other, and shows it has been reporting sinceXX/XX/XXXX, which is incorrect as this same debt was being reported by another agency and this was removed from ALL of my credit reports just last month, which means they are stating they were engaged in duplicate reporting. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. XXXX is in full violation of the law and this needs to be taken today. I am also advising concerns that they do not have my proper info. They were not able to verify my correct address or refused to and wanted me to do so and I have not received any information from them regarding any recent activity from phone calls and or their supposed debt purchase and entry of information onto my credit reports for all 3 reporting agencies.