Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.
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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ; Account Name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I received an adverse action notice that denied my employment with XXXX due to my background check. I have been a XXXX for XXXX since XX/XX/XXXX. At that time my pre employment background check was ran and came back clear. XXXX uses a third party background check company named Checkr. Checkr reported outdated background check information to XXXX on my behalf. My criminal background is from XX/XX/XXXX where XXXX XXXX   requirements states that there must not be any criminal record within the last seven years. I have tried contacting both XXXX and Checkr regarding this issue and both companies keep directing me back to the other. I would like checkr to report my criminal background history per companys policies since they are the background check provider for numerous companies. If my background is from XX/XX/XXXX and the company only requires to go back 7 years checkr shouldnt be reporting information that surpasses the 7 year guidelines especially since checkr gave me a clear background check upon employment with XXXX.
Complaint sub-issue: Didn't receive advertised or promotional terms

In good faith I took part in a promotion offered by US Bank and XXXX check out. The promotion stated that if I spent 50 dollars by XX/XX/XXXX, I would receive a 25 dollar statement credit. I am attaching my order confirmation page that clearly shows I purchased my items within the timeframe required. The items did not post to my credit card account inside the required time frame. I am attaching the promotion offer to show that the offer only states that the purchases be made by XX/XX/XXXX. The offer did not state that they post to the account by the XX/XX/XXXX. I have filed a Reward discrepancy. I sent my order confirmation showing the date ordered. I called back to check the status of my discrepancy, and now Im being told that the promotion can not be applied because I did not use XXXX check out. I have contacted the bank and I have contacted XXXX and I have contacted XXXX check out. None of the organizations can prove to me or give me documentation that I did not use XXXX check out. I believe I did and would like proof that I did not or I would like my {$25.00} promotion credit.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.
Complaint sub-issue: Company closed your account

Someone put a bad check in my account. Hacked into my online banking system and deposited the check and then had a fake card made and stole all my money out my account!!!! I explained to us bank this issue and they are refusing to help me and charged off my account for more than 2,000
Complaint sub-issue: Account status incorrect

I had an auto loan with XXXX XXXX XXXX  opened on XX/XX/XXXX, the monthly payment was due on XXXX of each month and I never missed a single payment. I had a perfect payment history until I had a car accident and my vehicle resulted a total loss. 

After the car accident my next monthly payment was due on XX/XX/XXXX. By XX/XX/XXXX, XXXX XXXX XXXX  had received 3 payments in my account : 1 ) On XX/XX/XXXX, a payment for {$2300.00} from the warranty contract refund 2 ) On XX/XX/XXXX, a payment for {$25000.00} from my car insurance. 
3 ) On XX/XX/XXXX, a payment for {$6500.00} from the Gap insurance. 

After the clearance of those payments, the account loan balance went down to {$1.00}. But I was informed that my account had a remaining balance of {$310.00} due to the loan balance {$1.00} + {$20.00} late payment fee + {$290.00} interest for the month of XXXX, so the balance went up to {$310.00}. I never agreed for the illegal interest charge and illegal late fee charge since 3 payments were made on the account on the month of XXXX, but anyways I paid it on XX/XX/XXXX, after that payment my account was {$0.00}. 

Now I noticed in my credit report that XXXX XXXX XXXX  is reporting a 30 days late payment and a payment for {$34000.00}, both together on the month of XX/XX/XXXX, I contacted XXXX XXXX XXXX  to correct the 30 days late payments because it does not make sense, they are reporting a {$34000.00} payment and a 30 days late payment in the same month. 

XXXX XXXX XXXX  refuse to remove the 30 days late payment because they claim that I was 30 days late since I made a payment on XX/XX/XXXX, for {$310.00} and the monthly payment was due on XX/XX/XXXX, that is wrong since the account received 3 payment on XX/XX/XXXX, payment for Car Insurance, Gap insurance and warranty refund but the bank claims that those are not payments, instead payments they label as principal reductions. I asked for the difference and base on the representative explanation : the difference is that the money comes from a third-party company and not from my pocket so thats why I they refuse to remove the 30 days late payment. That explanation is just absurd, what if the payments come from my child bank account or from a trust account? It just does not make any sense. 
Just the warranty refund, since is a refund it must be applied to the account as credit, any credit applied to any account brings a minus balance and no payment is required. 
The insurance payment was issued from my own car insurance, premium that was paid every month from my pocket, my insurance paid it on my behalf. 
And if that is not enough to prove XXXX XXXX XXXX  is wrong, I would like to know from them what rule or law define how an Auto insurance payment, Gap insurance payment and warranty must to be applied and the legal definition of principal reductions because I have the impression they are breaking the law.
Complaint sub-issue: Information belongs to someone else

I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX  Unverified, Inaccurate or Not Mine XXXX XXXX Bank Account XXXX Unverified, Inaccurate or Not Mine
Complaint sub-issue: Billing dispute

To whom it may concern, I am having problems with Equifax. There is a lot of information on my credit file with Equifax that is not mine. I am a victim of identity theft therefore I have a lot of fradulent accounts and information that is not up to date. I have XXXX fraudalent tax liens from the state of alabama iternal revinue service. They are XXXX State income tax accounts that are fradulant and are not mine. I have disputed this accounts with the proper documention from the state of alabama that I have sent to equifax and equifax do not want to remove those XXXX negative accounts which are public records. I have attached the documents which i believe can make those XXXX negative fradulent accounts be deleted from the equifax credit file. I have contacted XXXX agencies and they tell me that they have done everything they can. Equifax wants specifics and The state of alabama does not want to rewrite any letter to me or equifax which equifax wants numbers and for the letter to say that those accounts need to be removed from my file. The state of alabama put out that public information and now those XXXX fradulent tax liens have been terminated, canceled, and released the tax liens previousliy filed against me. Please help
Complaint sub-issue: Debt was result of identity theft

Discover Card asked me to pay credit card debt that I do not own. The card was created with identity theft, without my consent, shown on statement credit card created in XXXX. I did not ever involved in any transaction with Discover Card. I report the issue to the police on XX/XX/2020 after I received notification from Discover Card asking me to pay off their credit profile. I believe I should not be responsible for any transaction I did not authorize. However, Discover Card declined to take off the record after I contact Discover Card, for many times over the phone and mail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has refused to follow my demand. I found unauthorized inquires on my consumer report. I am demanding them to be removed. ( XXXX XXXX XXXX )
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone applied for a credit card at USBank in my name and was successful. This all started around the last week of XXXX. I received the credit card in the mail with a {$8500.00} limit. I called them immediately but they said that the acct had been closed and could not discuss any other details. I received a letter dated XX/XX/XXXX, they notified me of my credit score. Then I received a notification that my address had been updated. A letter dated XXXX was sent saying my account was closed due to either fraud, false statements, or I would not live up to obligations under the card member agreement. None of this was approved by me- all fraud. I have been unsuccessful in reaching someone to get further information or a letter stating that it was in fact a fraudulent application. I put a security freeze at all 3 credit burrows. When I pulled my credit, it looked like there was a {$25.00} charge to the USBank card.

Someone also tried to use my information for an account at XXXX who I already bank with. I have notified them but have to call again during business hours tomorrow. I keep getting correspondence saying that they received a duplicate application. I put additional security features on my acct and changed passwords.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I called Equifax to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as she was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative.  I explained to him what happened and how the previous US  was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires.  I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the  previous US Representative I was speaking to could delete inquires but he wasn't able to.  The US Representative was very rude and didn't care to help me address this issue.  He stated that I could not be connected to the previous US Representative.  There is a total of of 15 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places and financial loan companies in which I did not authorize to pull my credit. •	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX ( XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX   XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately
Complaint sub-issue: Didn't receive advertised or promotional terms

Citibank Dividend Credit Card offered 5 % cash reward for car rentals and airlines purchases from XX/XX/XXXX to XX/XX/XXXX. 

Citibank sent out email to me and I activated the Offer via email one click. 

I made purchases of car rental in XXXX and XX/XX/XXXX totaling {$180.00}, and purchased airline tickets in XX/XX/XXXX totaling {$1100.00}. 
The total purchase of car rental and airline is {$1300.00}. The total reward should be 5 % of total purchase equaling {$67.00}. However, Citibank only gave me {$13.00}. The difference is {$54.00}. 

I spoke to Citibank customer service center in XXXX. The first employee didn't know what I was talking about, then I was transferred to XXXX, who is a supervisor. After I explained to her what the reward offer was, she told me the travel reward offering was for XXXX, not XXXX. I told her the website which has the reward calendar, she insisted I was wrong. When I asked to speak to her manager, she insisted that no manger is available.
Complaint sub-issue: Information belongs to someone else

Company DYCK ONeal Inc, XXXX XXXX XXXX, XXXX, TX XXXX is reporting a fraudulent account to my XXXX  Report.The information their reporting as an account in the amount of {$170.00}. Ive never obtained any goods or services from this company. They submitted a document from a company called XXXX XXXX with inaccurate and incorrect information about me, like my place of employment, address, bank account and goods I never received. Im not certain how they obtain some of my information like my social security number and date of birth. Somehow they were able to create a false document and place it on my credit report as an account. This document doesnt have my handwritten signature anywhere on it. I have filed 2 police reports and sent them to XXXX  who has refuse to remove and block this fraudulent account.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2018, I deposited a check of {$4000.00}. After a few hours, TCF took this deposit and turned it into a debit on my account thus turning my available balance far into the negative. I called and they said this is normal in which they need to hold the funds before they can release. I understand holding the incoming funds from being released, but not taking the available funds from my account and doing what with? Earning interest on their end? I was sitting at dinner and couldn't pay because they essentially held my money. Even their employee said that it was ridiculous but sadly outside of her control. Based on her tone, she gets these calls often. 

How. Is. This. Legal. 

Tomorrow I am switching banks.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax deleted an open and positive auto trade line ( XXXX XXXX XXXX XXXX  ) from credit report without authorization and/or without cause. Dropping credit score tremendously. RepXXXX refused to fix the problem.
Complaint sub-issue: Trouble with how payments are being handled

To Whom It May Concern : This is in response to CFPB complaint ID : XXXX. Thank you for your letters dated XX/XX/2021, and XX/XX/2021, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form for loans with the following account numbers : XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

A student loan telemarketer called and said she could save me $ 15k - $ 20k on my  student loans. All they ended up doing is raising my interest rate and putting me with a new lender.
Complaint sub-issue: Account status incorrect

I co-signed for a rental agreement for my XXXX  XXXX XXXX XXXX that ended in XXXX, I believe XXXX or XXXX. I informed lessor I wasn't going to renew lease and XXXX informed lessor she was moving out. That's all the contact I have had with the company. I didn't know about this balance or what it is for such as rent or damages. I have had no mail or emails from the company since XXXX. If not for my mortgage company notifying me there was a derogatory entry on my credit report, I still wouldn't have known it was there. I am requesting they take this off my report since they haven't even sent me a bill or letter to contact them. I would suggest to them I can't pay something I have no knowledge of. According to the credit reporting act, it is my understanding they have to show proof they have billed me prior to reporting to credit bureau, which they haven't. For this reason, I am requesting this be removed. 
The lessor was XXXX XXXX XXXXXXXX and Hunter Warfield is connected somehow, not sure how.
Complaint sub-issue: Old information reappears or never goes away

Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.
Complaint sub-issue: Problem using a debit or ATM card

As stated before my identity and various things were taken XXXX XXXX since then there has been many unauthorized withdrawals made on my account. I've gotten a new card and reported the events to the bank and I haven't been compensated for any of them. I've just given up on the possibility that someone would be kind enough to hear me and help me. I use the direct express bank card to recieve my SSI and XXXX checks. I'm on a fixed income I can't afford to keep letting people take my money. Due to my circumstances I'm not able to call or even attempted to try. My calls are XXXX and I'm exhausted
Complaint sub-issue: Trouble with how payments are handled

I financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.
Complaint sub-issue: Didn't receive notice of right to dispute

I never received a notice from the ORIGINAL creditor which was XXXX XXXX XXXX. My insurance covered the visit and the amount billed to me was incorrect. I talked to someone over the phone and said the bill was fully covered through my insurance. Months later I got an email from XXXX XXXX stating I have a collections account from XXXX XXXX audit for {$68.00} which is only reporting through Equifax. This contract was CANCELLED and this collection company does NOT HAVE A CONTRACT