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

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX and all remarks Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove these accounts from my credit report. I have provided federal laws and as a federally protected consumer, I expect this to be handled accordingly. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for and received the Fidelity Rewards Visa Signature Card based on a promotion that I received in the mail : " Receive XXXX Bonus Points - which equals {$100.00} Cash Back when deposited into an eligible Fidelity account - after you spend {$500.00} in eligible net purchases within 90 days of account opening. '' I completed the application online well before the XX/XX/XXXX deadline and made my first purchase on XX/XX/XXXX. 

The fine print claims : " 6 to 12 weeks after qualifying purchase are made, the one-time Bonus Points will be added to the account holder 's points balance. '' It's been well over 12 weeks since my first statement, which had over {$1000.00} in purchases. When I look at the history of my points balance, I only see points from the usual 2 % cash back. 

On XX/XX/XXXX, I contacted Fidelity about this issue and I received this response : " After reviewing your account we do not show that the account was applied for under a promotion to give you XXXX bonus points. This is why the points have not posted to the account. We are unable to change your enrollment offer or award additional enrollment as your account has been opened longer than 120 days. '' I called XXXX and received a similar answer from their customer support. 

Nowhere in the terms of the attached promotion does XXXX state that I must follow special instructions to apply under the promotion. I simply applied online at FidelityRewards.comXXXX as instructed.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Funds not received from closed account

Hello. My name is XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX informing me that my Citi Accelerate Online Savings account had been closed. I was not provided a reason for closure. I immediately called the phone number provided with the email : XXXX. A customer service representative was not able to give me a reason for closure, but reassured me that my remaining balance would be mailed out in the form of a check within 30-60 days. 

I have periodically called this number, along with the other customer service phone numbers provided by Citibank during the 30-60 day time frame : XXXX and XXXX. Each time I call, I am notified that I have an active and remaining balance of {$56000.00} and that it is still accumulating interest, but that the account is closed and that I am still unable to receive the funds. Each representative ensures an expedited process to mail my check, all to no avail. 

My most recent phone call with Citibank occurred on XX/XX/XXXX, 60 days officially from the date my account was closed, and it is the reason I am now filing this complaint. A customer service representative told me that my funds would never be transferrable and disconnected our phone call. I am highly concerned, as my remaining balance is a large portion of my livelihood. 

I have not been notified of any suspected fraudulent activity from my other financial institutions and have verified my identity in every possible way to confirm that these funds are rightfully mine. 

Since the opening of my account in XX/XX/XXXX, I have made several deposits : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$20.00} XXXX : {$10000.00} XX/XX/XXXX : {$41.00} XX/XX/XXXX : {$49.00} XXXX : {$5000.00} XX/XX/XXXX : {$71.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$100.00} I had also made deposits prior to XX/XX/XXXX, but because I am locked out of my account, I am not able to see the exact deposits made during that time period. 

I do not live in a state where there are physical Citibank branch locations, so I am unable to visit a branch and get more information in-person. Every customer service outlet has provided conflicting information about my account. I am filing this complaint to receive an answer for the reason my account was closed as well as expedite the process to receive the remaining balance of funds that I have worked hard to earn. Thank you in advance for your time.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. he company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, Equifax and XXXX in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX XXXX XXXX.
Complaint sub-issue: Problem during payment process

I am writing today in regards to my account with THD/CBNA account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Complaint sub-issue: Personal information incorrect

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( Equifax ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX  ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Trouble with how payments are being handled

I have been working full time with a PSLF-qualified employer and making qualifying payments since XX/XX/XXXX. When my loans were from transferred to XXXX, XXXX did not count all of the qualifying payments. A request to review my case was submitted by a fedloan representative XX/XX/XXXX, but my case has not been reviewed. Additionally, through the XXXX website, I am unable to access past PSLF employer certification forms I submitted and I can not access information on payments that were made during the year XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Frequent or repeated calls

In 2017 I lived at XXXX XXXX owned by XXXX XXXX some point it got sold to a different owner now XXXX. XXXX place wrongfully charged me an ETF fee when they released me because of faulty electrical not up to code and that it looks like they were not even disclosing ETFs received on their books because I was paying but my payments were getting lost in the mail and they were not sending me legal correspondence or any invoice to show payments applied. I even had to get the postal investigation office involved. I complained to XXXX too. They stopped colle ting at that time. Now out of the blue this guy XXXX keeps calling me and it sounds fake.
Complaint sub-issue: Reporting company used your report improperly

Every year something was reported on my credit and not having my consent. I never instructed them to furnish this report, to create this report in the first place. 15usc1681a ( 3 ) 15usc1681a ( 4 ) 15usc1681b ( 2 )
Complaint sub-issue: Information belongs to someone else

I have placed several disputes for two accounts under my Equifax credit report that do not belong to me and I'm 100 % sure it's a fraudulent account. Equifax is hesitating in removing these accounts from my report and do not send me verified documents that show these accounts are verified as accurate and belong to me. 

Confirmation # XXXX XXXX XXXX XXXX XXXX - Assigned XX/XX/XXXX Original Creditor- XXXX XXXX XXXX Amount- {$2400.00} Balance as of XX/XX/XXXX Amount- {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX- Assigned XX/XX/XXXX Original creditor- XXXX  XXXX XXXX XXXX XXXX Amount {$160.00} Balance as of XX/XX/XXXX {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Complaint sub-issue: Debt is not yours

XXXX opened two accounts at same address. I paid XXXX and indicated to them several times I did not want 2 accounts servicing the same address. They continued to send me bills and then sent me to collections.
Complaint sub-issue: Debt was result of identity theft

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. 
I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them and I have heard nothing from them since. 
I am well within my rights as a federally protected consumer and Discover is violating my consumer rights under Title 15 Chapter 41
Complaint sub-issue: Trouble with how payments are handled

My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals.
Complaint sub-issue: Debt is not yours

I sent a certified debt validation letter to ERC XX/XX/2019.  In return I was sent a monthly statement without any other legal information, signature or contract. I legally gave ERC 30 business days for proof that the debt was mines and validation but didnt get that at all.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Complaint sub-issue: Don't agree with the fees charged

Nelnet claims that I " missed '' payments but can not tell me when I missed those payments. The consequence of missing a payment is that I have been removed from an incentive program for a 0.8 % interest rate reduction. I have been alleged to be delinquent. However, I have been on an IBR for years. I called Nelnet multiple times to get evidence of when I missed a payment. Nelnet officials repeat the line that I became ineligible for the incentive program due to missed payments. But they can not find the specific information of when or what payment I missed. I am worried when a loan provider uses the word " missed '' which has negative connotations in the credit industry. I am also worried that I have been wrongly removed from an incentive program. I have not missed any payments.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.
Complaint sub-issue: Account status incorrect

So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.
Complaint sub-issue: Problem with fees

Fees levied for Credit Protection Service. Did not request this service. Each month I was assessed a fee based on outstanding balane (? ). It differs each month.
XX/16 {$24.00} XX/16 XXXX
Complaint sub-issue: Application denied

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by CITI Bank On XXXX applied for XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX i call Equifax about a inquiry that doesnt belong to me and i want it removed that because i did not applied for that credit card and they told me to call the creditor that was showing on my Credit report so i did i was in the phone more than 3 hours dealing with them so that the end they told me that they will removed and send a letter to the credit bureau to delete the inquiry that doesnt belong to me. And right now its been more than a month since the day a call they that inquiry still on my credit report.
Complaint sub-issue: Debt is not mine

AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
Complaint sub-issue: You never received your bill or did not know a payment was due

Citibank Credit Card Company : 1. Encouraged me to change to paperless statements. 
2. Encouraged me to enroll in auto payments. 
3. After a year, ceased pulling my auto payments without notifying me. 
4. Closed my other accounts without notifying me, although still pulling the auto payments for those. 
5. Made it impossible for me to view my info online. ( Lockes me out ) 6. After an exceedingly long wait ( 60+ minutes ) on hold, the customer service rep disconnected me when I called to attempt to have paper statements sent to me. 
Help me!!!!!!