Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

Mid XXXX : Received a booklet in the mail, the contents of which says : earn up to XXXX ThankYou Points if you open a checking account and perform certain activities. " Offer expires XX/XX/XXXX ... If you fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all required activities. '' XX/XX/XXXX : Opened checking account. 

XX/XX/XXXX : Completed all qualifying activities to earn XXXX ThankYou Points. This was later confirmed by two representatives on the phone on XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX : Received an email from Citibank : " Congratulations! You have completed all required activities for the ThankYou Points Checking Offer. The bonus ThankYou Points will be credited to your existing ThankYou Member Account within thirty ( 30 ) days. '' XX/XX/XXXX : Called Citibank. They disregarded what I received from them by mail and what I received on XX/XX/XXXX by email. They said I will get your points on XX/XX/XXXX. 

XX/XX/XXXX : Called Citibank. They disregarded what I received from them by the mail, what I received on XX/XX/XXXX by email, and what I was told by them on the phone on XX/XX/XXXX. They said it will take up to 20 business days to investigate this. I do not trust them at this point, as they have lied to me four times.
Complaint sub-issue: Investigation took more than 30 days

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Complaint sub-issue: Information is not mine

Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.
Complaint sub-issue: Account information incorrect

The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.
Complaint sub-issue: Right to dispute notice not received

I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this.
Complaint sub-issue: Reporting company used your report improperly

XXXX  AND EQUIFAX PROVIDE FALSE INFORMATION AND ISSUED FALSE STATMENTS ABOUT THE PUBLIC RECORD ON FILE. XXXX AND EFX STATED THEY VEIFIED WITH THE FURNISHER - THE COURT THE ACCURACY OF THE BANKRUPCY THAT WAS FILED 10 YEARS AGO THUS THEY WILL CONTINUE REPORTING IT ... HOWEVER, I CONTACTED COURT AND CLERK ISSUED IN WRITING STATEMENT THAT THEY THE COURT DO NOT REPORT, VERIFY OR VALIDATE ANY AND ALL INFORMATION TO THE CREDIT BUREAUS. 
THEN EQUIFAX STATED THEY RECEIVE THIS FROM 3RD PARTY FURNISHER XXXX XXXX  WHOM I CONTACTED AND AGAIN RECEIVED IN WRITING STATEEMENT THAT THEY ARE NOT NOT NOT REPORTING ANY BANKRUPTCY ON MY NAME OR SOCIRAL. 
I HAVE BEEN REQUESTING THE DELETION OF THIS ERRONEOUS BK FROM MY CREDIT REPORT FROM SEVERAL MONTHS NOW, ONLY TO RECEIVE AUTO GENERATED RESPONCES FROM BOTH OF THE BUREAUS. NOBODY IS READING OR LOOKING AT THE SUPPORITNG DOCUMENTATION ... THIS IS VIOLATION OF MY CONSUMER RIGHTS AND IT IS A VIOLATION OF F.C.R.A. A FEDERAL VIOLATION. I CONTACTED DA OFFICE AND NOW PREPARING MY COMPLAINT TO ATTORNEY GENERAL 'S OFFICE AND WILL FILE IF THIS IS NOT DELETED FROM MY REPORT IMMEDIATLEY US BKPT CT CA XXXX Identification number XXXX
Complaint sub-issue: Account information incorrect

I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago
Complaint sub-issue: Public record

I submitted a letter from a previous landlord to all three credit bureas for removal. XXXX and XXXX removed the judgement from my credit report. Equifax refuses to remove it with the same documentation that was submitted. The judgement is five years old. I spoke with XXXX XXXX XXXX sessions court on XXXX/XXXX/2016 to see if they provide a letter that states something is VACATED and they stated that this was the only letter that they provide to anyone, which states please satisfy on credit report. Equifax wants a letter that is stating the word VACATED, XXXX XXXX court says the letter they give to anyone will never say VACATED and they do n't know why they are trying to keep it. Yes I understand the credit bureaus rules and regulations. But, what I do n't understand is why XXXX and XXXX removed it completely from my credit report with the same letter and Equifax WILL NOT. I have went through all the proper procedures to have this removed from Equifax and again no problems with XXXX or XXXX. Attached is the official document from the XXXX XXXX XXXX XXXX Court. I would just like for Equifax to comply as XXXX and XXXX did. If all XXXX credit bureaus are under the same fair credit reporting act rules why would XXXX and XXXX remove it with no problems and Equifax try and hold on to it. This is five years old. Please help resolve this matter. You may verify this letter with the XXXX XXXX XXXX all information is valid. Thanks in advance and Have a Great Day. 

XXXX
Complaint sub-issue: Attempted to collect wrong amount

The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.
Complaint sub-issue: Debt was result of identity theft

Debt is from Cash Call and is sold to XXXX XXXX XXXX XXXX The information they are providing does n't match anything that I 've done. Date of loan is XXXX XXXX XXXX and amount is {$5000.00}. They are trying to collect {$15000.00} and has garnish my pay. I 've ask many questions, they can not answer and told me all that matters is there 's a judgement against me. All the information provided by this company does n't match including my pay stub, cable bill. I 've never bought or got service from XXXX, the pay stub said I worked for a company that I didnt. I called the companies and verified everything.
Complaint sub-issue: Personal information incorrect

I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2017 Progressive Management Systems began reporting a derogatory account on my credit for the amount of {$1000.00} that is not mine and causing me to have negative items on my credit file
Complaint sub-issue: Their investigation did not fix an error on your report

FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.
Complaint sub-issue: Application denied

I had a discover credit card. I reported unauthorized charges. Discover did not take my report to them seriously. No investigation was done and they just charged off my account. I paid off tge charge off and now they have black listed me. 

Discover did not protect my account, they damaged my credit and now theyve black listed me. 

Please investigate as it appears I was scammed by discover
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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Complaint sub-issue: Personal information incorrect

I've been having problems trying to contact the credit bureaus about updating my personal information on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  has a fraudulent Account and will not remove it from My reprt the account is not mine.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have had serious issues with my student loans ever since I graduated with an XXXX from XXXX College in XXXX, NY in XXXX. In XXXX, the XXXX  student loan and XXXX. loans ( from XXXX Univ. ) were consolidated with XXXX XXXX for a total amount of {$45000.00} and I was put on a loan with interest-only payments for 60 months and then payments would be applied to principal. As soon, I made 50 payments, the loan was transferred to another servicer and the public loan was reconsolidated by another lender/servicer, which I started again to make interest only payments on a new loan. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments towards the public student loan with several student lenders ( Depart. of Education, XXXX  XXXX, XXXX, XXXX, etc. ) and no monies were applied to principal. I had no choice but to switch to a private loan since nothing could be done by XXXX XXXX or the federal government. 

In XX/XX/XXXX, XXXX XXXX, as the private lender, paid off the public student loans and I began a new variable rate loan at prime rate with an amount totaling {$43000.00}. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments to the private loan monthly at {$360.00} a month. However, this student loan started in XX/XX/XXXX and should have been close to being paid off at this point in XX/XX/XXXX. 

I need some assistance with reducing the principal balance or finding a way to get monetary relief. I appreciate any assistance or options that you may provide. I am available if you need to contact me at cell # ( XXXX ) XXXX.
Complaint sub-issue: Received bad information about your loan

Currently I'm with XXXX XXXX  XXXX for Student Debt Relief Program. From my understanding the school I was attending XXXXXXXX XXXX XXXX XXXX and they closed down during the time I was starting my XXXX XXXX XXXX in XX/XX/XXXX. I was to start on XX/XX/2015. Wouldn't I be eligible for Closed School Discharge? I wanted to enroll in another school after they closed and my credits didn't transfer. Honestly I feel I was defrauded into the debt. False job placement and online certificate class. They closed down and I wasn't able to finish my educational program.
Complaint sub-issue: Account information incorrect

Ive disputed this multiple times with the same result it remains on my report. The reporting is clearly incorrect and you have still yet to remove or fix it properly. These items are 4 Closed charge off accounts with the XXXX police federal credit union. That report charge off month after month these accounts have been closed since XXXX and XXXX. These are clearly violations of the FCRA and need to be removed immediately!
Complaint sub-issue: Funds not received from closed account

I opened a savings account with Discover Bank on XX/XX/2022. I funded the account via ACH from my XXXXXXXX XXXX checking account, sending {$25000.00}. After I called Discover I was told that it had chosen to no longer work with XXXX. Without the option to return funds to the bank from where I had transferred the funds, I chose to transfer my money to XXXXXXXX XXXX via ACH. I was assured on the phone that this transfer would go through. Despite these assurances the transfer was cancelled and Discover Bank closed my account without providing any written or verbal communication that my account had been closed. My money has now been held since XX/XX/2022. I have spent numerous hours on the phone with Discover Bank. I was told my money would be mailed via check within 60 days of the last deposit. After waiting a couple weeks without recieving any communication from Discover Bank, I called and was told that the money would be mailed not within 60 days of the last deposit, but after 60 days. I asked numerous times for an explanation as to why my account was closed. I also asked for written confirmation that my check would be mailed and each time I was told that Discover Bank would not send me any information via email, even if this information was just confirming the conversations I had with agents. I am still unsure as to when I will receive my {$25000.00}.
Complaint sub-issue: Account status incorrect

Amerocollect collection agency put the same amount in my reports 6 times I have been disputing it for about two years XXXX. Amount of {$1100.00}. XXXX on my XXXX report 6 times 3 times on XXXX. Both credit companies agree that it is fraud on amerocollect.
Complaint sub-issue: Account status incorrect

I have disputed this problem several times with XXXX XXXX XXXX and the three credit bureaus over the past year with no results. I had two credit cards with XXXX  XXXX that I let get behind, but when my finances got better a few months later I called XXXX XXXX and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with XXXX XXXX that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 

15USC 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. code 1681a- Definitions ; rules of construction- Exclusion.-Except as provided in paragraph the term '' Consumer Report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 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 any purpose
Complaint sub-issue: Information is not mine

I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, XXXX : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
Consent to publish the description of what happened? Consent provided
Complaint sub-issue: Debt was paid

I switched to XXXX from XXXX with the promise by XXXX to pay my 2 phones off. Months later, I received a letter informing me that XXXX had not paid the phones off. 

I was offered a {$500.00} settlement by XXXX debt collector XXXX XXXX And XXXX XXXX, from OH. On XXXX, I made the payment for {$500.00} using my debit card. 

But every few months, XXXX continues to hand the already paid debt to other collectors. My credit continues to take unfair hits for this. 

I am being harassed and harmed by this unethical behavior. 

XXXX.
Complaint sub-issue: Information belongs to someone else

I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for EQUIFAX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.
Complaint sub-issue: Account status incorrect

I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.
Complaint sub-issue: Card was charged for something you did not purchase with the card

We were on vacation in XXXX and someone got my cash app card info. My card was ran 17 times for over XXXX dollars in less than 2 minutes at a XXXX in XXXX New York. They stole {$7900.00} out of my cash app account. Cash App denied the claim and customer service refuses to help me when I call.
Complaint sub-issue: Problem getting my free annual report

I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.
Complaint sub-issue: Debt is not mine

Remax Collection agency contacted me via telephone that I owe XXXX outstanding balance XXXX. I never received any bill stating I owe money XXXX. I am disputing these debts because I do not owe them. The office of my primary care physician voluntarily elected to send XXXX to creditors XXXX. I never entered such contract or agreement with them. Upon submission of my health insurance cards to my physician 's office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. Any practice to submit out of network lab was beyond my control and was without my authorization.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

During the timeframe of XX/XX/XXXX up until XX/XX/XXXX. I have made contact with Equifax regarding fraudulent inquiries listed on my credit report. I have spoke with agents, supervisor as well as management in what they call their consumer affairs department. I was told to file a police report and or FTC report. There was no specific details on how I was to file either report. After faxing over documents in XXXX of XXXX I was told numerous of times that my documents where not visible. I continue to resend the documents via fax. During the month of XXXX I was told that they see the documents however my documents are not valid. I question that statement. I was hung up on, transferred to survey and put on hold for hours on many different occasion. One agent finally told me that the FTC would only be consider valid if I have five accounts listed. I then went on to correct the FTC and mail in by certified mail the FTC, police report, utility bill, and my drivers license. I called once I seen my documents had been delivered on XX/XX/XXXX. I made contact with numerous of agents on XX/XX/XXXX who stated that my documents had not been received although the tracking stated delivered. I have continued to reach out to Equifax to no avail and under the fair credit reporting act Equifax had 30 days to remove all fraudulent information from my credit report but failed to do so.
Complaint sub-issue: Account opened as a result of fraud

I received a couple pieces of mail, dated from XXXX from PNC Bank stating that there were 3 accounts opened in my name. I spoke to PNC and they closed the accounts but also suggest me to contact the FTC and the credit bureau as someone has my information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies Equifax, XXXX, and XXXX to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.