Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or missing disclosures

In XXXX, I received a flyer to open new Citi checking and savings account. I brought the flyer to a Citi banker whose name is XXXX. XXXX opened the account and told me that if I deposit {$15000.00} and maintain the balance for 60 days then I will be qualified for the bonus. 

I pointed out to him that I need to open both Checking and Savings account. He explained to me that the requirement is " Either OR '' NOT " BOTH '' ( see the email ). 

After 6 months, I still haven't received the bonus and Citi told me that I did not meet the requirement because I did not open BOTH checking and savings account.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with The Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Accounts # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Credit Card XXXX. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

Hey EQUIFAX, I never gave XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX ) : XXXX XXXX XXXX XXXX : XXXX
Complaint sub-issue: Problem with fees

COMMERCE BANK OF XXXX XXXX AAND XXXX ARE SUBJECT TO CLASS ACTION LITIGATION FOR VIOLATING F.C.R.A. AND T.I.L.A. THE F.C.B.A. AND THE DODD FRANK WALL STREET REFORM & CONSUMER ACT TITLE X. AGAIN AND AGAIN! FAILING TO REFUND ALL FEES ETC..SEE ATTACHED DOCUMENTATION AND LAWSUITS.
Complaint sub-issue: Problem with fees

When I received my credit report. I was blown away when I say late payments on these dates : 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me. Please help me understand because I 'm clueless of how this can happen.
Complaint sub-issue: Account information incorrect

I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Multiple inquiries on my credit report that I did not authorize 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 

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 15 U.S.C 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: Credit card company won't work with you while you're going through financial hardship

I called Citibank regarding my credit card ending with XXXX. It has been closed for quite some time due to Fraud and I was forced to pay this balance off which I have been for years. I recently paid my last payment on XX/XX/XXXX, and since we are in the COVID-19 pandemic, my salary was reduced and I called Citibank customer service XXXX, and spoke to XXXX who offered me a two month deferment, no increase in the APR or any late fees. She set me up and said that she would transfer me to the RVR to complete the process. Then she sent me to silence, then back to the automated system where I spoke to another CSR named XXXX, who was very unhelpful and started to get rude, I asked for a manager or supervisor, and she replied with " Im so sorry we cant help you at this time '' I asked once more for her manager and she said the same response and then hung up on me. Im going to file Bankruptcy if this can not be resolved since they have been very unhelpful in the past, and would not remove a {$700.00} charge that was fraud although I fought with them for years.
Complaint sub-issue: Account status incorrect

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$0.00} not mine XXXX {$130.00} not mine XXXX XXXX XXXX XXXX {$12000.00} not mine
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate and unknown things on my credit report. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Complaint sub-issue: Reporting company used your report improperly

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE  F.C.R.A. 15 USC 1681a ( g ).
Complaint sub-issue: Information belongs to someone else

There are 4 accts that are onn my credit report that are not mine I have been disputing these with the bureaus as well as the furnishers as to why it is still on my credit report I have no clue if I have not opened these unknow accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Problem getting your free annual credit report

I was denied credit on XX/XX/2017 and the listing company was XXXX XXXX XXXX, Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX When I tried to get my report they are asking for personal information in a Hard Copy. Such as Passport and other personal documentation. The other credit agencies do not do this and it seems very suspicious to me that this company asked for this information mail or faxed to them. I should be able to get my free credit report without these additional hard copies.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2022 I wrote Evergreen Services to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling my daughter and son and harassing them. First, they called my daughter, XXXX XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX from XXXX. Immediately afterward, they called my son, XXXX XXXX, XX/XX/2022 at XXXX XXXX XXXX from XXXX. Specifically, they asked my children to let me know that they called her and they have a business-related that they have to discuss with me. I understand that these calls are meant to intimidate, scare, and harass me. I have attached photos of the calls to each of my children as proof of what Evergreen Services is doing.
Complaint sub-issue: Their investigation did not fix an error on your report

Last month I filed a complaint on XXXX XXXX  for illegally adding incorrect information to my Equifax report, causing my score to drop XXXX points. I also filed a complaint on Equifax for allowing this to happen twice, from the same company. Upon a successful investigation, Equifax found the company to be in the wrong, in which they sent me dispute results showing theyd be deleting the creditor XXXX from my credit report. I spoke with a few customer service agents to reassure that my credit report would be updatedraising my score back to where it was before XXXX was added to my credit report. They each informed me that once the monthly update occurs, Id see the deletion of XXXX and my score would go back up. I checked my report on XXXX, and theres been no change. I called to tell them that my score wasnt fixed, asking them why they would be dishonest about this serious situation. The representative I spoke with told me that she couldnt give me any answers as to why this happened.
Complaint sub-issue: Account information incorrect

Equifax is reporting information on my credit file from a third party vendor and not the original creditor. By law a credit bureau can not report a third party vendor on anyone 's credit file
Complaint sub-issue: Information belongs to someone else

I am a united XXXX veteran, While in service my unit provided me with a commercial travel card from CITI back which they used to pay for the travel fights and for missions and training. 

This was a restricted card and was paid by the United States XXXX, Upon the XXXX transferring me to a new unit, My prior unit never handle the card pay for my last training mission or paid it late Because of the lack of someone in the past XXXX unit outside of my control forgetting to take care of this account because I was targeted to a new unit and was forgot about. 

I have disputed this account with the information above to the credit reporting agency as a business account that I am not responsible for. As well sent goodwill later asking for this to remove from my credit report because and this was a commercial account for the united states XXXX which I was not responsible for paying. They have denied all my good faith a temps
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
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 XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses
Complaint sub-issue: Account information incorrect

I have tried to dispute account with Equifax asking for them to delete as this account is stating incorrect / invalid account number reporting account as a installment when the true type of account was checking account. Reporting inaccurate date last reported and date last active. Account payment history is reporting date last payment as XX/XX/XXXX with charge off on XX/XX/XXXX, this is impossible! Yet, Equifax has not recorded any payments on date last payment. I personally closed this account and it was never a loan it was my checking account. Therefore, there is no way that there can be a balance of {$190.00}. 
This account has been reporting charge off with a balance of {$190.00} since XXXX it is XXXX and account is still reporting charge off with a balance of {$190.00} if payments have been done like you are reporting the {$190.00} shouldve been paid off by now. This is not possible you are reporting payments up to this date when account has been closed since XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I call Equifax to dispute to inquirers on my credit report. They wanted me to run all around the world just to get some information to dispute it.XXXX Took the dispute right over the phone just with me verify who I am. Equifax didnt do that. Talk to the manager and he didnt want to help me either, I really dont know why Equifax has a fraud department when they dont want to help the consumer with fraudulent items on their credit report. 
Friendly XXXX XX/XX/2020 fraudulent XXXX XXXX XXXX XX/XX/2020 fraudulent These are the two inquires thats on my credit report and theyre Fraudulent.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Fraudulent loan

I attended XXXX XXXX 11 years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. Federal Direct Subsidized loan for XXXX 2. Federal Direct Unsubsidized loan for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. 

The school is now saying I owe them {$14000.00}. There is fraudulent activity going on. I was never told of XXXX  when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I never signed nor agreed to a loan with XXXX. XXXX was just just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried uphold and clear a debt a I thought I owed. However, this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit.
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 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  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: Reporting company used your report improperly

After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim of a cyber hack or identity theft. this non-account holding inquires with : Klarna, INC is shown on my XXXX consumer credit report as ( KLARNA/XXXX ) and with a date of XX/XX/2020. Klarna , Inc. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. This hard inquiry is NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

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

I have two student loan accounts open with Fed Loan Servicing in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX  email account. For some reason, Fed Loan Servicing was only sending my bill to the .XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting Fed Loan Servicing, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this Federal Loan Servicing department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.