Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent these credit reporting agencies a statement on XX/XX/2021 stating there are fraudulent accounts on my credit report. this is illegal under the FCRA, and I want the CFPB to take action. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. Other accounts are listed as late when under 15 USC 1666b says there is no such thing as late payments, that is very deceptive.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was one thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.
Complaint sub-issue: Not disclosed as an attempt to collect

Item Loss of income XXXX % Penality of XXXX withdrawal {$700.00} XXXX % loss of future investment {$560.00} Labor and costs involved in letters and telephone calls {$100.00} Total requesting {$1300.00}
Complaint sub-issue: Received bad information about my loan

I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.
Complaint sub-issue: Didn't receive terms that were advertised

I opened XXXX checking and saving account on XX/XX/XXXX under the promotion of {$400.00} sign on bonus with USD XXXX deposit on combined checking and saving account. 
I met the requirement on XX/XX/XXXX, but still have not received the {$400.00} bonus so far. I have contacted Citi customer service multiple times : On XX/XX/XXXX, I contacted Citi customer representative XXXX, through live chat, he confirmed that I met the sign on bonus requirement on XX/XX/XXXX, and I should receive the bonus 90 days after that. Attached please see my chat history with XXXX On XX/XX/XXXX, I still didnt receive the bonus, I contacted Citi customer service again by phone, was told that the bonus has been entered into the system, and I should receive the bonus in two month on XX/XX/XXXX I still have not received sign on bonus until now.
Complaint sub-issue: Attempted to collect wrong amount

i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  ( XXXX  ) XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Home located at XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX was up for sale working with realtor and batter on thermostat went dead and caused frozen pipes and major water damage. Could not live in home, and Husband and I did all the water mitigation and had XXXX XXXX XXXX XXXX Adjustor ( XXXX ) come out and survey water mitigation that was done. XXXX approved everything look. XXXX and I submitted a bill to XXXX XXXX and US Bank. US bank is the mortgage lender. XXXX XXXX submitted two checks to XXXX XXXX, XXXX XXXX and US Bank for XXXX ( XX/XX/XXXX ) ( payment for water mitigation per estimate from Service Master ). We did not use service master we did the work ourselves as we were there. Then another check for XXXX ( XX/XX/XXXX) was sent to me XXXX XXXX ( XXXX XXXX ), we tried to cash check for water mitigation to get paid for our work and US bank told us no, they would pay us after all work is done and if there is anything extra left. US refused to cash and it stopped us from moving forward on repairs to get back on market. Whole inside of home was remodeled and painted. Our realtor at the time was XXXX XXXX ( XXXX ) XXXX XXXX XXXX. We are trying to get paid for our water mitigation as US has sold the mortgage to a company. XXXX XXXX stated will reissue me new checks but need to be made out the same and US Bank will not cash and pay us. XXXX XXXX ( XXXX ). US Bank Lost Claims fax  number XXXX Tracking number XXXX Property loss Department XXXX and spoke with XXXX. My name is XXXX XXXX current address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX and current cell phone is XXXX. 
We are currently requesting XXXX XXXX to issue the amount due to us for water mitigation and to release check in our name XXXX and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have numerous credit inquires from banks that I never applied for loans from
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase from XXXX on XX/XX/2021 from XXXX XXXX XXXX order # XXXX for a chinchilla coat in the amount of {$5600.00}. The item was suppose to be delivered XX/XX/2021, however I did not receive the coat. I opened a non-delivery case on XX/XX/2021 with XXXX and the seller finally uploaded a tracking number with no name or address that showed delivered. After finally retrieving the package, the item arrived damaged so I have been trying to work with XXXX to resolve this matter because I communicated with the seller and the seller is refusing to allow me to return the item. The item is not as described and that is against XXXX policies. Now I have lost money and stuck with a damaged item because I received a not-as-described damaged item which was completely diffrent than the item pictured and also had holes in it and the seller is refusing to allow me to return the merchandise and XXXX is allowing the XXXX to violate their policies. I filed a dispute with Citi Bank and provided all the supporting documentation needed to resolve the dispute but I have been waiting months and they have refused to provide me a resolution which would be a refund. I have also been waiting for a conditional credit to be applied but they have failed to provide me XXXX and now I have a minimum payment due on the disputed amount.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my XXXX credit report is incorrect. I was told to contact XXXX directly and if corrected they can revisit my application. I tried to call XXXX XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My equifax and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from XXXX was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit
Complaint sub-issue: Didn't receive terms that were advertised

I had initially filed a complaint with the CFPB on XX/XX/2020 ( complaint # XXXX ), to which the company respondedthat the {$1000.00} promotional credit will be honored withing a 90 day time-frame. 

The promotion involved depositing {$50000.00} which I had completed on XX/XX/XXXX. a 90 day period ( ended XX/XX/XXXX ) has passed. 

I am attaching a letter from CitiBusiness dated XX/XX/2020 which indicates that I have indeed met the qualifications for the promotion. To quote : " We have confirmed that your account has met the necessary requirements to qualify for promotion XXXX. Please allow 90 days from the date the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thanks for your inquiry. '' As the promised time has elapsed I have reached out to the branch manager of CitiBank at the XXXX XXXX NY location. She responded that the " back office '' is the one to issue credit but did not provide a way to contact them.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored about my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causing me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

Under 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Responsibilities of furnishers information to consumer reporting agencies. I did not consent to unauthorized inquiry. ( XXXX XX/XX/2021 ) I demand it be removed immediately. I have filed several disputes and the inquiry is still being reported on my credit report. I feel I'm being taken advantage of and being ignored of my disputes. You are in violation reporting misleading, false reporting. Delete this inquiry immediately!
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX a federally protected consumer pursuant to 15 USC 1681a. I have the right to dispute and get alleged debt and all information removed from the consumer report file. I demand these accounts be remove they are fraud and I do not authorize nor consent to them being furnish on my consumer report from anyone other than me the consumer pursuant to 15 USC 1681b permissible purpose has to be given to anyone who wishes to furnish any information on my consumer report.
Complaint sub-issue: Problem getting report or credit score

I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.
Complaint sub-issue: Information belongs to someone else

I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that 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/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report
Complaint sub-issue: Account information incorrect

XXXX XXXX was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted XXXX XXXX, because XXXX XXXX XXXX was XXXX for taking advantage of consumers and so was XXXX XXXX  in XXXX. Then XXXX XXXX turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that XXXX XXXX was out of XXXX compliance and and the collection agency disappeared, then XXXX XXXX  surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact XXXX of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from XXXX XXXX why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against XXXX XXXX of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following are unauthorized and they are affecting me getting credit. I have never applied for credit with these company 's. I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 a swell as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. 

Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX   XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Report improperly shared by CRC

I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX
Complaint sub-issue: Account status

I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

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

My score dropped nearly 30 pts from XX/XX/XXXX to XX/XX/XXXX, however absolutely no changes were recorded during that time. I've called Equifax twice and both times I was just read back my report to me. Equifax is the only bureau that reported this drastic change with no actual changes in the reporting on my account, therefore the score should at the very least have remained unchanged. 

It's also concerning that Equifax staff and supervisors report being unable to see credit score history. If they can not see the changes month to month, how can they search for errors and potential data breaches, fraud etc.
Complaint sub-issue: Problem accessing account

CD account missing from the drop-down account selection in the Letters and Notices screen still has not been fixed by the bank. I had a CD matured on XX/XX/2021. I called on XX/XX/2021 to renew the CD and change the term from a 4-month CD to a 5-month CD. Prior to the renewal, I was able to access the letters regarding this CD in the Letters and Notices screen. See the first attachment. After the renewal, this CD is no longer in the account selection drop-down list in the Letters and Notices screen. See the second attachment. Hence, even the bank sent me an e-mail notifying a renewal letter is there, I was not able to access this letter. The bank did not mail me a hard copy of the renewal letter neither. I called on XX/XX/2021 and talked to an online technical support staff. I screen shot the online account selection drop-down list and e-mailed him the screen shot. He told me he has received the e-mail and would write-up a ticket about this issue. He told me someone would call me within 24-48 hours and provide me a ticket number and an update on the issue. I never received a call back. I called again on XX/XX/2021 and talked to an online technical support supervisor, XXXX. He said that he could not find any record on this issue and asked me to e-mail him the screen shot. I did. He too told me someone would call me in 24-48 hours and provide me an update. Again, I never received a call back. I called again on XX/XX/2021. This time the person I talked to told me he found a ticket but he could not tell me the ticket number. He said only the person who wrote that ticket can tell me the ticket number and an update on the issue. Therefore, this issue goes nowhere.