Johnade/consumer_complaints_cfpb huggingface dataset:
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

XX/XX/2021 XXXX XXXX {$630.00} I enrolled into real-time rewards for my US bank altitude reserve card. But the charge above was not triggered the redemption system. So I lost the chance to use my reward points to cover this charge with XXXX cents/point rate. 

I have contacted US bank customer service but they refused to redeem XXXX charge with my reward points and did not provide any solutions. 

Please see the attached screenshot showing my real-time rewards enrollment. Car rental is included and highlighted. Apparently, there are issues in their system.
Complaint sub-issue: Personal information

There are XXXX addresses listed on my credit reports for apartments or homes where I have never lived in my life. As a result certain accounts associated with those XXXX addresses, which are not my accounts, have negatively impacted my credit scores.
Complaint sub-issue: Account status incorrect

The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). Nelnet sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the Nelnet accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.
Complaint sub-issue: Deposits and withdrawals

In XXXX of 2017, I sent a withdrawal slip for {$100.00} dollars to my PNC Bank in XXXX Pennsylvania, to have a cashiers check sent to me, which I have been doing for over twenty years. The PNC Banking XXXX sent me a letter stating that I can no longer have direct access to my account. I will need to give a agent of representative a Power of Attorney to access my account and then give me the monies I need. It seem that due to my incarceration that the Bank has started to discriminate against me.
Complaint sub-issue: Information belongs to someone else

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with Equifax, XXXX, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Complaint sub-issue: Don't agree with the fees charged

Interest charges are being charged in advance. Specifically, interest charges are compounded daily ; however, every Friday the interest charges that would accrue the following Saturday and Sunday are being added to the principal balance each Friday. Additionally, I have seen several instances where the interest for the preceding days was added on a previous weekday that was not a Friday, so that interest was calculated and added in advance, rather than on the actual day in which it would have accrued. As a side note, the interest is adjusted on the following Monday ; however, this unscrupulous practice has likely caused numerous borrowers to incur additional interest and possibly affected the payoff amounts of their loans. 

I have a spreadsheet with which I use to keep track of my daily interest, payments, etc. for all of my loans and the spreadsheet consistently and accurately tracks all of my loans, interest, compound interest etc., except for this specific loan with Nelnet, due to Nelnet " padding its tab '' without explanation or cause. 

I have attached both spreadsheets. The first shows the additional {$19.00} added to the balance on the previous Friday and the second spreadsheet shows the adjustment made the following week.
Complaint sub-issue: Problem with rewards from credit card

On XXXX, I received an advertising email from Citi Bank offering me a new Credit Card in their XXXX XXXX AAdvantage program ( see attached Citi_Invitation_Email.PDF ). The biggest bonus is to earn XXXX XXXX XXXX Frequent Flyer mile if I spend {$3000.00} in the first three months of account opening. 

On XX/XX/XXXX I follow the instruction of the email and applied. The application was approved the same day ( see attached Citi_Approval_Email.PDF ). 

Three months went by, I spend more than {$3000.00} with the card and I have not received the XXXX bonus miles. I connected their customer support and filed a dispute. On XX/XX/XXXX they inform me the reason why I have not received the XXXX miles bonus is because Terms and condition state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within last 24 months. ( see attached Citi_Account_Mail.jpg ). 

It is true that I had a similar card ( already cancelled prior to XXXX but within the last 24 months ). 

My dispute is as follow : 1. Why would Citi Bank send me an invitation to a program that I am not qualify? 
2. Why would Citi Bank approve my application if I am not qualified for the program? I post this question to Citi Bank ; their answer was that my credit qualifies for the card but not the bonus. 
3. Why would Citi Bank not inform me of this problem upon approval?
Complaint sub-issue: Information belongs to someone else

In XX/XX/2021 an inadvertent late posting was posted to my mortgage account, when I contacted XXXX XXXX Corporate they corrected the incorrect late posting, I subsequently reviewed my credit reports with XXXX, and I discovered multiple unauthorized and/or fraudulent inquires listed on my credit reports. I contacted the Credit Bureaus and explained I may be a victim of identity theft, these inquires are not mine. After contacting the credit bureaus, I discovered in XXXX the credit bureaus were now reporting me as deceased and froze my credit profile, now in XX/XX/2021 I discovered a new fraudulent account ( Ally Financial ) listed on my credit reports. I'm XXXX years old, this has been extremely stressful and emotionally draining. I'm reaching out to the CFPB for help, I've contacted the credit bureaus about the fraudulent inquiries and Ally Financial and they have not removed this incorrect/fraudulent information from my credit reports, also Ally Financial has been unresponsive to my disputes of this fraudulent posting on my personal credit profile.
Complaint sub-issue: Overdrafts and overdraft fees

Citibank charged a service fee and over-drafted my account twice. 

I've tried calling, chat ( waited 20 min ), and XXXX XXXX. They constantly closed our conversations and put me a new person to chat having to begin from scratch. 

I thought that I was going to get that service fee waived because I had the requirements within the dates of the same billing cycle. 

I talked to XXXX Saturday 15 when this was issued over chat and supposedly filed my complaint with the Executive Response Unit and was promised a call by them on Monday XXXX. Immediately after I took my account out of the overdraft threshold. 

On Monday XXXX, I went to a branch location and fixed the {$12.00} service fee. 

Now, today Tuesday XXXX, after 4 days the account was charged a {$34.00} overdraft fee and most likely they will attempt to do another overdraft fee tomorrow because of this last fee. Totaling {$80.00}.
Complaint sub-issue: Account information incorrect

My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: 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 COMMISION or https : XXXX/www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$38000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$22000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$950.00}, XXXX XXXX  XXXX Date opened Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX XXXX  XXXX. XXXX Date opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}, XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance {$230.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$320.00}, XXXX XXXX  ( Original creditor XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$9400.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00}
Complaint sub-issue: Talked to a third party about my debt

i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, no one is helping me to remove the transactions from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

In addition, accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states consumer reporting agency can not furnish a account without my written instructions.
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 things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Complaint sub-issue: Problem getting my free annual report

Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.
Complaint sub-issue: Attempted to collect wrong amount

This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. 
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. 
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. 
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.
Complaint sub-issue: Didn't receive enough information to verify debt

Original Creditor - XXXX XXXX ; Collection Agency - USCB America ; Account Opened - XX/XX/XXXX ; Balance - {$130.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX, which the creditor stated they would reply to directly via mail, but I have NOT received any response. 

As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Date sent : XX/XX/2021 To XXXX, Equifax  and XXXX  Letter of Request to Experian included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and XXXX did an investigation and came back with the same results reported prior to my request. Equifax has not yet responded. Sadlly enough, I was impacted by both the XXXX  and Equifax Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!
Complaint sub-issue: Information belongs to someone else

Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.