Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX Balance XXXX {$2600.00} XXXX XXXX XXXX : {$14000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Was not notified of investigation status or results

I sent disputes regarding a delinquent account and never received a response from Enhanced Recovery Company, it has been over 30 days. My FCRA/FDCPA rights have been violated for failure to respond in a timely fashion and failure to delete inaccurate/erroneous information! 

Date Opened : XXXX is not reported ; XXXXXXXX is XX/XX/2018 ; and XXXX XXXX is XX/XX/2018. 2 different open dates how is that possible Please explain?? 

Payment History Profile fields are inconsistent and inaccurate They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

also upon further research this company has over 500 complaints on CFPB and multiple complaints with the CFPB Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney
Complaint sub-issue: Problem with rewards from credit card

On Sunday, XX/XX/XXXX, I received an offer from " My Best Buy Visa Card ''. The offer stated that if I spent {$100.00} outside of Best Buy using my card, I'd receive a {$15.00} reward certificate 3-4 weeks after making the purchase. 

The exact wording of the offer : " This offer is only for the intended recipient of this e-mail. Activate offer and use your My Best Buy Visa to spend {$100.00} or more in purchases outside of Best Buy from XX/XX/XXXX to XX/XX/XXXX to get a {$15.00} bonus reward certificate. Bonus certificate valid for 30 days from issuance. The certificate will post to your loyalty account 34 weeks after qualifying purchases have been made. '' I completed all of the required purchased by making a {$140.00} purchase on XX/XX/XXXX outside of Best Buy. Based on the terms of the offer, I should've received the {$15.00} certificate to my loyalty account no later than Wednesday, XX/XX/XXXX ( 28 days after XX/XX/XXXX ). When I contacted Citi Group on XX/XX/XXXX, NA and informed them I still hadn't received the certificate, they directed me to contact " My Best Buy Rewards '' at XXXX. 

I contacted " My Best Buy Rewards '' on XX/XX/XXXX. I got transferred a few times before being told that " the certificates post at the end of the month. You should see it on the XXXX ''. When I had pointed out that the terms of their offer said that I should've received the certificate no later than XX/XX/XXXX, they were unapologetic, but I was assured that the certificate would post by XX/XX/XXXX. 

On XX/XX/XXXX, the certificate was not there. I attempted to contact Best Buy Rewards by phone again. The first person told me the reward certificates were late, and they'd appear shortly. I stated that I did not care. The TERMS of the offer said I should have the statement, and I would NOT wait. She did not budge. I asked to speak to her manager. She said she did not have a manager. I told her I found it difficult to believe that she didn't report to anyone. Was she the president of Best Buy? She hung up on me. I called back and immediately asked the next person I spoke to to talk to a manager. He agreed and transferred me to another person. When I was connected to that other person, I asked if he was a manager, letting him know I had asked to be connected to a manager. He said he wasn't and then said he'd connect me to one. After waiting for around 5 minutes, I was disconnected. 

Meanwhile, I also sent " XXXX '' a message on the Best Buy forums explaining the situation. As I explained to her, part of the reason I had taken advantage of the offer was that based on the terms of the offer I should have received the certificate in time to take advantage of the sales for Memorial Day. I informed her that there was also a current sale I'd like to take advantage of, and asked her if my certificate was delayed long enough that I too missed that sale, if she could honor it. She said no. 

I've received ZERO satisfactory service from Citi/Best Buy. They are uncaring that they are violating the terms of their own offer. They are about to lose a customer over {$15.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I sent a letter to JEFFERSON CAPITAL SYSTEMS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax mortgage services inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX
Complaint sub-issue: Application denied

The Discover it " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how Disover advertises it. I applied for a " SECURED '' discover and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH DISCOVER HOLDS until they feel you are ready for a seucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX, I sent a debt validation letter along with an Affidavit of Truth with an opportunity to cure to Discover Financial Services. On XX/XX/2021 I received a notice from my credit report that my Discover account had been closed while still having over {$4000.00} of unused credit left on the card. I called and spoke to a Discover representative who informed me that the account was only closed in order to investigate the complaint filed to the CFPB. 

On XX/XX/2021, I received a letter stating that my Discover account was closed with no further explanation. After being hung up on 3 separate times, I spoke to a representative who informed me that my account was closed due to " malicious practices '' and that I had stated that I was not going to pay the alleged debt. However, I never stated that I would not pay the alleged debt. I sent a letter in asking for specific documents to be returned to me in order to validate the alleged debt. I was told that someone would contact me back in 72 hours with further explanation on the closure of my account. 

After 72 hours, I never received a call back. I followed up with another phone call on XX/XX/2021 and was held on hold for 40 minutes while being told that the supervisors were looking for the correct department to send me too. I was hung up on and never received a call back from any other Discover representatives. 

Discover closing my account has withheld me providing for my personal and household needs. I was never given a proper nor valid explanation as to why my account was closed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I personally purchased airfare for a close friend as her Dad had a XXXX XXXX. This was a loan and she agreed to pay me back. At the same time I was grieving as my husband of 30 yrs had passed away after a two year battle with XXXX. As he handled all the bills, I was lax on reviewing my citibank statement. I spend $ XXXX a month on the card so approx. a XXXX charges per month. In XX/XX/XXXX, I noticed my payment was close to $ XXXX so I investigated. I found fraudulent changes dating back to XX/XX/XXXX. Upon further investigation, I traced all these charges of {$29000.00} to this same close friend. When I confronted her, she tried to say it was all a mistake. I realized she had taken my credit card from my wallet and copied the information and used it to pay her Utilities, her food, and fake invoices for her XXXX business knowing I was grieving and taking advantage of that. 
I contacted Citibank and noted each charge as fraud through the website. I was credited {$7500.00} quickly while they opened up an investigation. This was pretty much one credit of a fraud charge in each category. I was told by Citibank to file a police report, which I did and provided Citibank the report number. This is where all the XXXX began. I called weekly to get status on my claim and got the runaround as spoke to numerous Customer Service Reps who could not provide any updates. Suddenly, my case was closed with an email letter sent to my Citibank inbox without me knowing. Citibank stated that their investigation showed that this friend was an authorized user and denied my claim. Note : Citibank would not allow me to send any of the attached files. I was also told that the investigator never contacted the Police Dept. to get a copy of the fraud report. I have attached all files provided in the police report. 
Note : As they denied my claim, Citibank still credited me {$7500.00} which does not make sense as they denied my claim. I even mentioned this to the last Customer Service Supervisor I spoke to and she said it looked like different departments were not communicating.
Complaint sub-issue: Didn't receive terms that were advertised

I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I CALLED AND SPOKE TO FRAUD DEPARTMENT AT DISCOVER CARD TO REPORT CHARGES THAT WERE PUT ON MY ACCOUNT FOR AMOUNTS OF {$4500.00}, {$960.00}, {$630.00}, {$1700.00}, {$200.00} THEY FILED A FRAUD COMPLAINT AND I DID RECEIVE THE CREDITS FOR ALL CHARGES BUT THEN THEY TOOK MY CREDIT BACK AND SENT ME A LETTER SAYING THAT I DID MAKE THESE CHARGES BECAUSE THERE WERE SEVERAL. I DID NOT MAKE THESE TRANSACTIONS AND I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPPANIES.. I WOULD LIKE MY MONEY BACK AND TO KEEP MY REFUND THIS TIME. PLEASE HELP ME TO GET MY MONEY BACK FROM DISCOVER CARD.
Complaint sub-issue: Don't agree with the fees charged

I co-signed on my daughter 's loan of {$10000.00} with Sallie Mae. Between my daughter and I the payments we made add up to {$4100.00}. XX/XX/2019 statement says the current balance is {$11000.00}. 
Sallie Mae has been charging us late fees every month even when the payments were on time. I would call and dispute this with them. They would constantly pressure me into automatic payments. I refused because I did it once, but cancelled few months later because I had set payments on automatic then they started taking what they felt was right for them without my knowledge. There had been years of harassing phone calls and mailings saying I'm delinquent when I wasn't and to enroll in automatic payments. I called and spoke to many supervisors and XXXX. The calls, mailings and only a few late charges were dropped. To this day I still feel it's not right.
Complaint sub-issue: Debt was result of identity theft

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with FirstMark Services and they have continued to violate my consumer rights. They have used my consumer credit to not only harass me for {$3700.00} but also blackmail me and stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. On XXXX and XXXX I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They have also continued to send out debt collection on post cards to me as well as my deceased grandmother, being in violation on 15 USC 1692B ( 4 ). They continue to violate me with their negligent and willful behavior which has not only damaged my reputation, causing my credit to be denied, but also made be lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Complaint sub-issue: Reporting company used your report improperly

I am a federally protected consumer and Equifax has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Complaint sub-issue: Public record

They have me in chapter XXXX for 2015 and I haven, t filed for any chapter XXXX also they have it under a different name and not mine and I need it removed please ASAP
Complaint sub-issue: Delay in processing application

City National Bank is a disaster when it comes to information security and being able to access information. I applied for a credit card. The Relationship Manager I was assigned was XXXX in the XXXX XXXX location. After application, I was completely unable to access any information regarding my application. The phone number she gave me was not functioning. When I went to the branch, a gentleman informed me that he was a different manager and I should wait for her. And their national call line doesn't know where my application is - so essentially I supplied the bank highly sensitive personal information and they did not keep track of it, while almost every employee at the bank refused to discuss the application with me because they told me I had to contact XXXX who has disappeared. This looks very much like a data theft scam. You give personal information to a shady organization, then nobody will speak with you about it and the person they claim will assist you gives you a phone number that doesn't work and disappears.
Complaint sub-issue: Information belongs to someone else

My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my credit report I noticed an unathorized inquiry on my credit report. I did not apply for an account through Best Buy.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses and now advises me : " that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, please contact the lender directly and follow their internal fraud procedures '', which is contrary to FEDERAL LAWS!!! EQUIFAX IS BREAKING THE LAW!!! I have included proper identification in my correspondence to Equifax. Yet, Equifax remains in violation of my rights as a federally protected consumer.
Complaint sub-issue: Reporting company used your report improperly

I checked to see if I was on the equifaxbreach2017.com website, and I am. 
This is a gross mishandling of my information, I have placed trust in them to protect my personally identifiable information, and now I am at risk for Identity Theft a second time. The first time was through Office of Personnel Management.
This is bad news for myself and millions of other consumers. As a direct result, there should not be a fee, waiver or police report required to freeze my credit, and I should be able to choose how long I want to freeze it for. 

I found out about this breach through a third party, and find it incorrigible that not everyone will be notified or in a timely manner. 

Regards, One of 143,000,000+
Complaint sub-issue: Received bad information about your loan

My loans are through a company called American education services. I believe I took out the loan for XXXX or XXXX XXXX, in 2008. Since then I have paid {$35000.00} back of the loan. {$25000.00} of that has gone towards just interest. And I still owe {$56000.00}. They are charging me a crazy amount of interest. Ive been trying to pay, but am only paying the interest portion and drowning in this loan. And they told me they werent following the no interest for Covid, so I have been paying my loan and the interest for the past 1.5 years. In one month I paid {$1000.00} towards my loan, and all but {$100.00} went to interest. This is insanity and Im desperate for help! I have called the company, spoke to managers. They tell me my loans are private and no actions can be taken, but they are FFLEP parent plus loans. And my school closed down and the school was found fraudulent, so I was hoping for some sort of help.
Complaint sub-issue: Debt is not yours

I  XXXX   XXXX    XXXX  . According to my credit report this loan was opened  XXXX   XXXX    XXXX  . The original loan amount was  XXXX , and now it shows  XXXX . I did not take out this loan considering i was  XXXX  to  XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to    XXXX   XXXX  . I called   XXXX   XXXX   to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali.   XXXX   only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with  XXXX  several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Collector keeps calling requesting action to mail document to my home I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing because I have submitted multiple request to XXXX, Equifax, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.