Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Opened new credit card for my son, XXXX/XXXX/XXXX, Equifax credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX  XXXX XXXX and CITICARDS CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX and CITICARDS CBNA with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Complaint sub-issue: Problem with rewards from credit card

I have several Citibank credit cards, all of which have rewards programs. On my Citi Dividend World Mastercard my XX/XX/21 statement listed {$200.00} in cash rewards. Several days later I received a letter from Citibank stating that the card was being converted to a different rewards program -- the Citi Rewards+ Mastercard -- and that as a consequence my existing rewards where no longer available. 

I accept Citibank 's decision to change the program, but I feel like they had an obligation to allow me to collect my accumulated rewards before their elimination. To the best of my recollection, I had no warning of this impending change or the impact on my rewards. My habit had been to covert those rewards on an annual basis -- I regarded the rewards as a sort of savings account. It occurs to me that in appropriating these funds, Citibank has taken many thousands of dollars away from customers enrolled in the program. 

On XX/XX/21 I called my card 's customer support number to complain. The agent consulted with his manager, who authorized {$100.00} credit as a good will gesture. I accepted this offer ( perhaps relinquishing subsequent claims, this was not made explicit ) with the notion that halfway to a solution was better than nothing. But in my mind they still owe me money. And how many more customers are there in the same boat who may not complain because the amounts owed are not worth their time and effort?
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX XXXXXXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 equifax data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX  KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Complaint sub-issue: Their investigation did not fix an error on your report

My
name is XXXX XXXX XXXX. I have a twin brother by the name of XXXX XXXX whose information is appearing on my report. I have contacted the credit bureaus : XXXX, XXXX, and Equifax to resolve the matter. Equifax submitted the dispute but responded that all the accounts belonged to me which is not true. Equifax has refused to use documents from the creditors to support my dispute. Equifax has also blocked my file permanently so my employer has been unable to pull my credit to make me eligible for my securities license. Since I ca n't get my securities license, I can no longer be an Agent with XXXX. I 'm also unable to close on my home. I did not renew my lease so XX/XX/XXXX, I 'll not only be jobless but homeless.
My mother died after giving birth to my brother and I. Luckily she named us similarly because we were separated and adopted by different families. She was a drug user so the cause of death has n't been fully explained. We have no idea who she is.
My brother and I not only have different names but different social security numbers as well. I would greatly appreciate if you all would request that Equifax remove the files from my credit report that were not only deemed fraud back in XX/XX/XXXXbut also remove the items that are attached to my brothers SSN.
I also believe that they purposely and maliciously disputed information in my brother 's name so that all accounts could and would be verified. The reason why I feel this way is because all of my brother 's creditors are sending him letters to MY address in regards to a dispute. My brother did n't dispute the information so why would the letters say XXXX XXXX instead XXXX XXXX XXXX if I 'm the one who requested the dispute via Equifax? Refer to the document attached labeled XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/18 at XXXX XXXX I received a call from XXXX XXXX representative XXXX XXXX. I have sent two letters in the past asking that XXXX XXXX only contact me by mail, and to cease other forms of contact. However, XXXX XXXX is continuing to call me. I understand XXXX XXXX has a right to try and collect the debt I owe them, however, they are supposed to respect my right to have contact through the mail, which is stated under the fair credit reporting act. Additionally, I am already sending them what I can afford, and those checks are being cashed monthly.
Complaint sub-issue: Information belongs to someone else

Approximately a year ago my personal information was stolen from a supposedly secure data base of the Eqifax credit reporting agency. Apparently 90 % of clienteles information was stolen from hackers unknown. Because of this information in someone else 's hands they were able to take out loans which they didn't pay back, buy things from credit cards applied for in my name, and drop my credit score from good too poor in a matter of days. At that time I was in the final steps of purchasing a home when a final check of my current credit score revealed a much lower score then when the loan application was first started period because of Equifax giving all my information out to Crooks unknown I'm in financial ruin I lost buying a house and as a result am homeless and struggling to make ends meet. This is going on all because Equifax did not secure their clienteles data. They are totally at fault 4 so many troubled days and nights not only on my part but thousands of other people 's credit gone into the gutter. Something needs to be done and all victims compensated.
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 15 USC 1681. XXXXt Accounts- XXXX XXXX ( Acc. # XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ), XXXX XXXX XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 the information is inaccurate.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I tried to take out XXXX dollars from my bank of the west account using a XXXX XXXX ATM. I did not receive the XXXX dollars and bank of the west said they did a dispute but they said there was no error. I never received the XXXX dollars and now neither bank will help.
Complaint sub-issue: Debt is not yours

Vance & Huffman LLC is reporting a debt from a payday loan company XXXX XXXX that does not belong to me. The collection account was reported XXXX 2021 to XXXX, XXXX, and XXXX. I have called and disputed the incorrect reporting multiple times since then but Vance & Huffman continues to re-report it. I have never obtained a pay day loan and this company refuses to send me any origination papers to substantiate the debt. Their refusal to remove this incorrect and/or fraudulent account reporting to XXXX, XXXX, and XXXX appears XXXX be fraud and illegal business practices rather than any mistake.
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 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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: Debt is not yours

I have disputed with Equifax and, XXXX XXXX XXXX XXXX XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  I have written them letters to no avail, XXXX  XXXX is the only one who has obey by the law 609, I have not received from Equifax or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX nothing with my signature on it I would like for the law to be put in place here.
Complaint sub-issue: Information belongs to someone else

you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Complaint sub-issue: Information belongs to someone else

These accounts are not accounts of my own and were not opened by myself. Whatever services are at question were not rendered by myself. I've attempted several times to dispute these fraudulent charges with no result, no help.
Complaint sub-issue: Account status incorrect

Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring
Complaint sub-issue: Other problem getting your report or credit score

XXXX tore out family apart. 
Claimed we had to get independent housing aftery grannys age got the best of her. 
Demanded I get independent housing without resources. 
They claim theyre not any resources. 
It's been close to a year since my children have been with their mother. 
Their father is deceased as of XX/XX/2022. 
They were taken XX/XX/2022. 
I'm a aingle mom. 
I just learned my twins were never properly registered as my kids at birth with the state. 
I can not get any help with these matters to reunite my children with ( me ) their mom. I only get more and more demands to do things to satisfy the department and less and less resources. PLEASE I AM BEGGING FOR HELP.
Complaint sub-issue: Billing problem

Re : Complaint of Breach of Contract XXXX XXXX v. Ally Auto Dear CFPB Please allow this letter to serve as complaint of breach of contract and continued discrimination by Ally Auto. In XX/XX/XXXX XXXX XXXX and Ally Auto entered into a contract for payment. 

The contract is the result of a conflict that emerged in XX/XX/XXXX where Ally Auto admits they misspoke concerning an alleged amount owed by XXXX XXXX on a XXXX XXXX XXXX automobile. 

Ally Auto partially corrected the billing history problem but failed to fully correct the issue and take responsibility for the financial damages it caused during months of disputes, confusion and the early reporting of negative information to XXXX XXXX credit file which they eventually removed. 


In attempts to avoid litigation in XX/XX/XXXX Mr. XXXX and Ally Auto Senior Manager XXXX agreed to a financial contract. 

The contract stipulates Mr. XXXX 's Ally Auto account will be brought current provided a payment was made at the time of agreement. 

The initial requested payment was made as agreed. 

The contract agreement also stipulates delinquent payment history for the month of XXXX and XXXX will be removed as owed amounts would be placed on the back end of the loan provided Mr. XXXX is not delinquent going forward. 

Phone transcripts records will reflect Ally Auto representative XXXX repeatedly confirmed the derogatory payment information would be removed from credit bureaus as part of the agreement. 

Ally Auto removed the derogatory payment history from Mr. XXXX 's credit files. 
Ally Auto without explanation replaced the derogatory information causing damages again to Mr. XXXX 's credit rating. 


Please note Mr. XXXX is current with no late payment since the execution of the contract with Ally Auto in XX/XX/XXXX. 


In an attempt to resolve this matter Mr. XXXX disputed the information with the credit bureaus and Ally Auto did not agree to remove it. This is a discriminatory breach of contract and predatory as Ally Auto purposely is damaging Mr. XXXX 's credit in hopes of preventing refinance options elsewhere. 


On XX/XX/XXXX Mr. XXXX spoke with an Ally Auto representative going by the name XXXX who stated Mr. XXXX was not eligible for a copy of the contract although the Sen. Manager XXXX never mailed Mr. XXXX a copy of the original contract as agreed. Mr. XXXX has kept accurate well documented transcripts of all calls and conversations for transparency and integrity. 


The Confirmation number of the contract in question is XXXX.
Complaint sub-issue: Investigation took more than 30 days

I have filed a complaint with XXXX  and it has been well over 30 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

To whom it may concern : When applying to two apartments I received two notices saying I could not be approved due to a debt I owed an apartment complex. Upon further investigation ( and wasting hundreds of dollars applying to apartments ) I found out the Owner of the Rental Property was XXXX. I tried to reach out to XXXX and they informed me they could tell me nothing of the matter? I tried repeatedly and they finally referred me to a Company Called Hunter Warfield. They said they had sold " debt '' to them. 
I finally got ahold of Hunter Warfield. They told me I owed XXXX {$4800.00} in rent and fees and that I owed them {$800.00} in interest. I am not sure how they worded it but they said something of the nature that they themselves would be pressing charges or that XXXX would be if I did not pay them in a timely fashion. This was after I told the representative at Hunter Warfield I would prefer to communicate by email rather than phone. I paid my rent on time before leaving and even informed the manager there that due to a work-live-in situation I would be exiting the lease. I let him know this weeks before the start of the new month XXXX XX/XX/2018 ). 
There was another individual on the lease as well, XXXX XXXX. About the same time I was going to leave for my live-in-work he was given orders to move back into Housing on the Naval Base. By the looks of the balance they did not search for a renter to fill our apartment till months after we left. In addition due to the size of balance it seems that they allocated its entirety to me and not the other individual on the lease? I have since tried to email Hunter Warfield and have gotten no response. 
If you could help me resolve this issue I would be very appreciative. 
Sincerely, Renter
Complaint sub-issue: Account information incorrect

Equifax sadly has a reputation for delayed reporting. The impact to the consumer is brutal. My department of education account has not been updated since XX/XX/XXXX and it is XX/XX/XXXX. 

Department of Education / XXXX  Balance XXXX Last updated XX/XX/XXXX I have called over 7 times in 2 weeks ; spending 25-43 minutes per call in an effort to have Equifax report and update accurately and timely. The vendor has verified the update was provided and all other bureaus updated as of XX/XX/XXXX. I have been told an internal investigation was created only to learn on a follow up call that it was not. Conflicting in Equifax Internal complaint number filed XX/XX/XXXX case number XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX I open a dispute with Equifax. In the dispute I requested Equifax to investigate 3 accounts that are being displayed on my credit report. The accounts in question are as follows : All accounts listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Under federal laws and FCRA guidelines Equifax was given 30 days to verify/validate the accounts or they shouldve been removed. It has now been nearly 3 months and those accounts are still under investigation.
Complaint sub-issue: Information belongs to someone else

I noticed this fraudulent inquiry on my XXXX credit report and I've disputed it several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date CBNA XX/XX/20
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans are currently in deferment yet nelnet is still reporting my payment status as late and it is severely affecting my score
Complaint sub-issue: Information is not mine

ERC ( Enhanced Recovery Corp ) Have placed XXXX Accounts On My credit Report in the amounts if {$230.00}, {>= $1,000,000} XXXX who are which with the same company ( XXXX ) and yet have different dates and account which is not valid also there is another XXXX from ( XXXX ) I need tis information remove from my credit report for this is not my debt and they should maintain complete and accurate information on consumer reports I demand these accounts to be remove from my credit report.
Complaint sub-issue: Account information incorrect

I personally Wrote to the credit reporting agency on my own behalf without the help of anyone or business. I did an investigation on my credit report which caused severe XXXX upon me and found inaccurate and questionable items that the reporting agency didnt make sure was reporting 100 % correct. please see attached document.
Complaint sub-issue: Information belongs to someone else

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.