Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. Someone used my information to open an account with Citibank XXXX XXXX. I was alerted to an inquiry by XXXX on XX/XX/ after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXXI recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX  Including one fromXX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/ Received notification from XXXX  that they verified the account as mine and the dispute is closed. 

XX/XX/ XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXXWas transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.
Complaint sub-issue: Account information incorrect

Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal
Complaint sub-issue: Used obscene, profane, or other abusive language

This is 3rd call I received a call from a company called USCB Corporation XXXX. The first two times were hang ups but this the woman didn't say anything until I said " hello '' a 3rd time. When she finally started talking, she asked for my name. When I gave her my name she started saying " this attempt to collect a debt '' then proceeded to say it was for an online course. I told her I didn't take an online course. She says, " Yes you did, it was an online course, I said " with whom '', she says " " XXXX XXXX '' I said " I don't know what you are talking about, I didn't sign up for an online course ''. She then says " I can send you the bill, if you just give me your date of birth '' ... 
Me : " just send me the bill and I will call back to dispute it '' Her : " I'll send you the bill once you give me your date of birth '' Me : " If you have my address, why don't you send me the bill? '' Her : " JUST GIVE ME YOUR DATE OF BIRTH AND I CAN VERIFY YOUR INFORMATION AND SEND IT TO YOU '' getting loud with me. 
Me : " I'm not giving you information you should already have if this really my debt '' Her : *Hangs UpXXXX
Complaint sub-issue: Problem with rewards from credit card

I went to XXXX today XX/XX/2022 at XXXX XXXX XXXX, XXXX, XXXX XXXX and presented my XXXX rewards card upon check out along with my Citi credit card. The clerk told me that I had a rewards balance and asked if I wanted to use {$10.00} towards the purchase amount of {$29.00}. I said " yes '', not sure if I clicked on the screen, but without my reading glasses I would not have been able to review the fine print anyways. 

Citi subsequently sent me an email saying that i had just redeemed XXXX points which is particular unfavorable at {$10.00} XXXX points or a 0.8 %. Meanwhile advertise 2 % cash back " Earn 2 % on purchases with 1 % cash back when you buy, plus an additional 1 % as you pay for those purchases. XXXX X XXXXXX XXXX 

Called Citi to complain and they said they could not do anything. My only recourse was to return to the store to process a refund. I called XXXX, and the rep had no idea what I was talking about. Transfers to their credit department, and said they did not have a way to opt me out. 

I drove back to the store, processed a refund, and brought my reading glasses to see that the screen indeed to me " Citi ThankYou '' points. 

I find it deceiving that XXXX present you with so many screens at check out. Some are mandatory like confirming your phone number. Some they try to upcharge you to fund their tax exemptions. Now I also have to read the fine print to ensure that they charge me in points instead of dollars.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Called my phone to speak to someone else. When hung up on she called my phone back to call me names and uneducated and try to lecture or guilt me into feeling bad for hanging up, and would not let me speak to a supervisor. I have asked this company numerous times to STOP calling me or it would be harassment, I am not even the person they are looking for yet they still call daily. Also when they call they do not say who they are and why they are calling they just ask for the person. They do not identify themselves at all.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

this is in reference to another complaint I filled XXXX, messages are included... This number XXXX XXXX continues to call after I have repeatedly told them to not contact me again... I once again contacted the number they gave in the recording XXXX and asked once again for the name and address of the company, but the once again refused and proceeded to tell me they were sending the Sherriff to my home, I said please do and called them scammers because they were not following the laws outlined by the Fair Credit Reporting act...
Complaint sub-issue: Information belongs to someone else

Equifax has listed fraud item on my credit file and I need to have that removed as soon as possible. This wrong item ( listed below ) is affecting my credit score and livelihood. Please delete this account immediately. ONLY Equifax has reported this fraud account on my credit history. I been sending dispute letter to Equifax and Equifax has been refused to investigate fraud account by sending ONLY ONE TIME LETTER like account was verified. Its completely destroyed my credit report. They have no proof of fraud account, they can't verify but still reporting. 
Here are the account Equifax has listed : XXXX XXXX XXXXXXXX XXXX Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to this account and/or transaction.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an XXXX XXXX XXXX XXXX XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. 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
Complaint sub-issue: Account information incorrect

There is an account I was an authorized user on which was my son 's I had myself removed back in XXXX and it is still listed. I need this removed ASAP I have waited more than 45 days an addressed it with a dispute. Please help assist me. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
Complaint sub-issue: Information belongs to someone else

THIS IS NOT A DUPLICATE COMPLAINT. 
I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 
This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character, pain & suffering and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Equifax this DEMAND TO COMPLY in a letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Delivery is expected latest by XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Equifax and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Equifax a written dispute in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Equifax failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When I called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Equifax willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Equifaxs violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority.

Equifax is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Equifax which has put my family through extreme hardship this past year. I am demanding the deletion of 2 closed charged off accounts, 2 inquiries and 1 collection account immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand for Compliance letter.
Complaint sub-issue: Account information incorrect

I was the victim of multiple credit card fraud via a HomeDepot/Citibank card. This fraud was timely reported to Citibank on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a 100+ point drop in my Credit Score and is due to a negative remark reported to XXXX by Citibank on one of these fraud accounts ( THE HOME DEPOT/CBNA # XXXX ) I contacted Citi and they told me they can't do anything since they sold this account to GC Services collection company. 

I need Citibank to contact XXXX  and remove this remark since it was a fraudulent purchase. 

I need XXXX  XXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need Citibank to send me a check with the {$120.00} credit I was debited from my account during the fraud.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}.
Complaint sub-issue: Billing problem

I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone. 
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.

2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years. 

3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan. 

4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX. 

This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX. 

Thank you, XXXX and XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX US BANK XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX  XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Account information incorrect

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - Equifax states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX and XXXX are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but Equifax states OK - Equifax is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.
Complaint sub-issue: Funds not received from closed account

Good day dear Madam/Sir I am a citizen and a resident of the state of XXXX, in the XXXX XXXX. 
My complaint is of Citi Bank employees failure to provide me with accurate and true data from XX/XX/2021 - the day I called to close my checking account. 
One of them also waved away my request for XXXX $ US reimbursement of my XX/XX/XXXX, and XX/XX/2021 telephone talks with Citi Bank Customer Service - International call rate. 
In my attached letter is my present demand from Citi Bank.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is currently reporting an account on my credit that they advised me isnt on my credit. Equifax has not been reporting accurately. Please ensure that this account is deleted from my credit considering equifax has sent letter indicating this account isnt reporting. Ive included a copy of my credit report received from equifax that shows that please help
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account terms

XXXX XXXX, 2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Equifax, XXXX Dear Representative : On XXXX XXXX, 2016 I sent a certified letter via U.S. Postal Service, to XXXX, Equifax and XXXX regarding a debt which was claimed I owed to a company named XXXX at XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX XXXX XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX XXXX, 2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XXXX XXXX, 2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX XXXX XXXX.