Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XXXX 2021 after following this promotion all the conditions. 
But I haven't received {$100.00} for these direct deposit activities. 
I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates )
Complaint sub-issue: Account information incorrect

i 'm not sure if this is something wrong or what happen.. but hoping you can assist me. I took out a {$600.00} loan two months ago for car repairs.. now I only owe {$430.00} XXXX but my score dropped 25 points like 2 weeks after taking out the loan ( i understand that 's normal ) ... However the most recent checkup last week it dropped another 49 points, just confused as to why if I continuesly make my payments on time without making any changes or anything. It was at XXXX, then got reduced to like XXXX, now it 's at XXXX? am I missing something here or?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act you have violated my rights. 
my rights. 
In the resent data breach my rights as a consumer have been violated. 

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

You guy have violated this right and because so I need all negative items reporting on my credit report removed If this is not done Im will be forced to take further legal actions.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments
Complaint sub-issue: Problem with customer service

Beginning on XX/XX/2018 I have requested a deferrment application. And XXXX ( PH:XXXX ) has been determined not to send me a deferrment application. Also, I'm entitled to receive a deferrment Application.
Complaint sub-issue: Information belongs to someone else

This is XXXX 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/XXXX. And now we are in the month of XX/XX/XXXX 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. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 8 unauthorized hard inquiries on Equifax. I called multiple times and they havent been removed. The credit bureaus are corrupt. XXXX  and XXXX  have removed the inquiries in a timely manner.
Complaint sub-issue: Debt resulted from identity theft

I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed me.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.
Complaint sub-issue: Add-on products and services

In XXXX of 2021, I made a purchase from XXXXXXXX XXXX XXXX XXXX using my DISCOVER Card. One item from that purchase was a Water Pump for my car. I received the Pump and had it installed. 

During a routine visit to my mechanic in XXXX, he mentioned that my Water Pump was leaking. I was shocked because this was the new item I had installed. It failed after only a few months. On top of that, installing a Water Pump is an EXPENSIVE undertaking. 

I contacted XXXX '' XXXX and explained the issue AND OFFERED TO BUY A NEW WATER PUMP, HAVE IT INSTALLED, AND RETURN THE DEFECTIVE ONE. 

The Agent REFUSED to do that. He insisted that I return the Defective Pump to be repaired and placed back into my vehicle.

There would have been several problems with this.

1 ) I do not want a Damaged and Repaired item put into my car for fear it may fail again 2 ) The car can not run without a water pump. So if my mechanic removed the water pump for me to return to XXXXXXXX XXXX, I could not drive the car home and I could not leave it there. No : I was not going to pay {$120.00} to have my car towed home and then another {$120.00} to have my car towed back to the mechanic when this " repaired '' water pump was sent back. 

3 ) How do I get around with non operational car? 

So, I called DISCOVER, put the purchase in dispute, purchased a water pump from a better Competitor to XXXXXXXX XXXX and had it installed. 

AFTER I purchased the water pump from another distributor AND HAD IT INSTALLED< an agent from XXXXXXXX XXXX contacted me and said she was goign to send me a water pump. I TOLD ER NOT TO. THE JOB WAS ALREADY DONE. She sent it anyway. 

Upon receiving it, I called and told her to send me a mailing label to take it back. I was not going to ship it back at my expense because shipping something this heavy would easily cost me {$30.00} or more WHEN I EXPRESSLY STATED TO NOT SHIP IT!! 

DISCOVER KEEPS DECDING IN XXXXXXXX XXXX FAVOR REGARDING MY DISPUTE BECAUSE XXXXXXXX XXXX SENT ME AWATER PUMP! 

This Water Pump is of NO USE to me. One has already been installed -- at considerable expense. I also told XXXX XXXX to send me a shipping label to send this back, because I was not going to spend {$30.00} of my money to ship it back when I told them not to send it. 

XXXX XXXX sold me a defective Water Pump and refused to take the defective one back for a refund. 

DISCOVER claims I have two Water Pumps from XXXX 'S. I fdo not. I have a defective one which is of no use, and I have the one they sent THAT IS SAID DO OT SEND. 

I want this amount credited to my account. This should not be judged in XXXXXXXX XXXX favor. They have inconvenienced me and caused me to do an expensive job TWICE because of their low-quality merchandise.
Complaint sub-issue: Their investigation did not fix an error on your report

I am applying for a mortgage loan. My lender has pulled my credit 3 times. Each time XXXX  and XXXX  scores show up no problem. But My Equifax credit score is missing. Equifax says there's nothing wrong but the loan company can not access my Equifax score and therefore can not move forward with my application. I've called 9 times in the past 2 weeks. I've wasted hours talking to representatives and getting no solution.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/2020 XXXX XXXXDate of inquiry XX/XX/2020
Complaint sub-issue: Public record information inaccurate

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
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.

US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX PA ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

This complaint is about Equifax credit reporting company. I have asked them repeatedly to remove the loans which were originally done over 8 years ago. XXXX XXXX XXXX XXXX then sold them to XXXX XXXX XXXX. We reported this unlawful transaction to XXXX and XXXX credit reporting companies and they have removed them in a timely manor. Equifax has continued to drag their feet by refusing to remove them after repeated CFPB complaints to them. they still appear on page 5 of my 26 page credit report dated XXXX-17. These 3 negative reports from Equifax is causing me not to qualify for Refi loan at a lower interest rate.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Received bad information about your loan

During a refinance process, I received confusing communication regarding my loan balance and as a result of this miscommunication, my account was reported as late and adversely affected my credit score unfairly. I now have to spend a ton of time disputing my credit with the bureaus as a result of their faulty operations. This has been a total nightmare.
Complaint sub-issue: Debt is not mine

I applied a credit card to a XXXX XXXX XXXX and they denied to me. 
Reference number : XXXX After careful review, we are unable to approve the XXXX XXXX XXXX XXXX you requested because you have current or past delinquency with one or more of your creditors. 
We received your report from : XXXX, please contact. 
I tried to contact experience three days consecutive and they did not pick up their phone. So, I used their website and I saw that in my credit report XXXX collection agency and they are : 1. AFNI , INC XXXX XXXX XXXX XXXX, IL XXXX Creditor : XXXX Account Number : XXXX I do n't have any account XXXX. 
I tried to contact AFNI, they do not pickup their phone and their number is XXXX. 
2. XXXX Account number : XXXX creditor : My urgent care I got an accident and the company send me there, I thought that the company was paid what they charged to me. the money was {$220.00} and now they doubled and they do not contact me. 
3. XXXX XXXX XXXX ; They contacted me and we agree a schedule to pay off the debt for fur payment ; I paid {$100.00} on XX/XX/2016.The other payments will be : XXXX, XXXX, XXXX XXXX, and XXXX XXXX, 2016. So, I want know that Why XXXX all the time they said my credit score is XXXX. I pay my bills on time and I do n't have any problem my credits.So, I want know that an XXXX why they decrease my credit score and denied the credit that I applied?
Complaint sub-issue: Received bad information about your loan

In XXXX, we were presented with the opportunity to consolidate my husbands student loans with mine, to reduce our monthly payment. Being that we were both XXXX, also going through grad school, with a XXXX, we thought this was a way to keep ourselves on track to eventually pay off our high student loans. We were in a situation where we had minimal income, a small family, and classes we still had to take to make a decent living wage as XXXX. We consolidated into a FFEL Spousal Consolidation Loan. Little did we know that by signing on that dotted line, that we would put ourselves forever in debt, with no possibility of receiving the Public Servant Loan Forgiveness available to XXXX  like ourselves. Once we conceded our loans to this now defunct program, we disqualified ourselves from many benefits other student loan holders have. Had we been told this, we never, ever would have committed to this. We have paid our loan religiously since then, and havent even taken a single dollar off the original principal value of the loan. We actually owe more now, over 15 years later, than we did the day we entered into the consolidation loan.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
Complaint sub-issue: Problem with fees

Thank you for taking the time to read this. Since   XXXX   I have had a Best Buy credit   XXXX   that was backed by Citibank to make a few large purchases that I did not have the cash to spend on at the time. I realized last month that I was being charged for a debt protection program. I called to inquire about it and they told me that I signed up for it when I opened the credit card. I definitely DID NOT authorize these charges. Over the course of the years I was charged over {$700.00}! I canceled the program and asked fora complete refund as I did not authorize these charges. I was sent a letter stating that I was not owed a refund and told that the only way to communicate with that department was through mail. There are no phone numbers. Be aware!
Complaint sub-issue: Information belongs to someone else

Identity theft XXXX XXXX XXXX XXXX Amount XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I requested XXXX  to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by LexisNexis. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, XXXX again informed me the information was confirmed by LexisNexis. My information was suppressed from LexisNexis XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested XXXX  to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX  XXXX is the bank with permission to pull my credit.
Complaint sub-issue: Card opened as result of identity theft or fraud

I HAVE TRIED SEVERAL TIMES TO RECTIFY THIS IDENTITY THEFT ACCOUNT WITH HOME DEPOT AND XXXX AND THEY ARE REFUSING TO HELP. I NEED THIS ENTRY OFF OF MY CREDIT REPORTS ASAP AS I AM A VICTIM OF IDENTITY THEFT. I WILL BE FILING LAWSUITS AGAINST THE CREDITOR AND BUREAU FOR THE MAXIMUM COMPENSATION BY LAW.
Complaint sub-issue: Didn't receive notice of right to dispute

I did not receive a notice to dispute letter. I am unaware of this account/debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  ending XXXX and XXXX XXXX XXXX account ending 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 a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}