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

I am writing to CITICARDS CBNA because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the marks in my XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting CITICARDS CBNA to remove this paid charge off account from my credit report as a gesture of goodwill.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

I do n't even know Equifax has refuse to give me my annual credit report, I called them too many time I got not respond, IN ORDER TO DISPUTE ACCOUNT I NEED MY COPY OF MY REPORT
Complaint sub-issue: Information belongs to someone else

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA XXXX XXXX. The XXXX Credit Bureaus need to remove the account from my file. 

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

I have been trying for several years to get wrong information corrected on Equifax. The other credit reporting agencies have it correct but Equifax does not and will not correct the issue. They are reporting my wrong birthday. I faxed them my driver 's license and SS card but they still have not corrected the issue and closed the investigation. My confirmation for equifax was XXXX. When I try to call back, I can not reach a live person to speak with again and open another investigation. Please help me correct this. These companies have way too much power over our lives and give very little if no support to correct issues. thank you,
Complaint sub-issue: Problem with rewards from credit card

I have received multiple Citibank AAdvantage co-branded personal and business cards over the last two years to get multiple sign up bonuses. On XX/XX/2019 I received an e-mail from XXXX XXXX that my AAdvantage account had been suspended with them claiming it was due to misrepresentation. I have never misrepresented myself to XXXX XXXX or Citi bank. This suspension led to them seizing all of the miles in the account which totaled near 400,000 at the time of suspension. I previously reached out to Citi in CFPB complaint # XXXX in which they told me to speak with AAdvantage as it was solely their decision. Since then AAdvantage has responded and claimed the miles were taken because I violated a Citi rule. Citi needs to explain to XXXX XXXX that the miles I earned are legitimate and therefore this account suspension is unwarranted. As it stands it appears that either Citi or XXXX XXXX are uncomfortable with the amount of miles I earned using their promotions and do not want to honor their part of the contact.
Complaint sub-issue: Information belongs to someone else

I disputed some inaccurate inquiries on my credit report due to fraud and a collection account that is not mine because I have no signed, notarized contract or document between myself and that collection agency for them to collect a debt from me and the credit bureau will not remove it. These items are as follows : XX/XX/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 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 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 US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX I also have a revolving account that has late payments that they refuse to remove. Those payments were late during the height of the COVID pandemic and according to the CARES Act, those late payments were not supposed to be reported : XXXX XXXX Account Number XXXX XXXX Account Status OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type LINE_OF_CREDIT All of these items should be rectified on my credit report. It has a fraud alert on it since last month.
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Information belongs to someone else

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDIT PLUS Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Complaint sub-issue: Information is not mine

I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.
Complaint sub-issue: Investigation took too long

I filed a dispute with Equifax on XX/XX/2017 and they never completed it.
Complaint sub-issue: Old information reappears or never goes away

In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were XXXX {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXXXXXX XXXX  room was supposed to be charged to their respective XXXX XXXX issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for XXXX {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The Unit Sergeant state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.
Complaint sub-issue: Other problem

I had a citi bank XXXX XXXX XXXX XXXX. XXXX decided they were switching to XXXX XXXX for XXXX XXXX. I told them I not want an XXXX XXXX Card and I did not want them to transfer my information to XXXX XXXX. Citi Bank said the only way to stop this was to cancel my citi bank credit card. I did this, but I still received a XXXX XXXX Credit card in XX/XX/2018. This means XXXX XXXX was given my information without my consent. Citi Bank gave my information to XXXX XXXX even though I expressly told them not to do so.
Complaint sub-issue: Problem with personal statement of dispute

Hi and thank you for your assistance in this matter but I have 2 hardships against my credit report and the reason why is that I unconsciously applied for credit and was denied on the basis that they couldnt gather enough info for me as I forgot I have everything locked for any information on me, even as far as my social security number so I think this is the reason I was denied to begin with, but I had to report and lock my info because unfortunately all my personal info was compromised to the tune XXXX in three months and had to take the necessary steps to protect myself, so when I applied for the credit I was solely denied because of the fact that all my information was/is under lockdown, I hope you can find forgiveness for my stupidity in this matter and again thank you for all your assistance I very much appreciate it, sincerely XXXX XXXX XXXX email again XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. 

I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. 

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

Equifax is reporting I have XXXX collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.
Complaint sub-issue: Didn't receive terms that were advertised

I was promised an up To {$590.00} Checking Bonus ( 17 % Of Your Direct Deposit ), opted into the offer and met all of the terms - my bonus has never credited to my account. 

I am writing to you now to request that you get involved and demand fulfillment of Moneylions promised offer deposited to my account. 

Thank you PS - the terms where as follows : The Fine Print This promotion is open to all genders. 
Matching contributions are limited to {>= $1,000,000} in aggregate. 
Individual matching contributions are limited to {$590.00} per person. 
Promotional period ends when maximum matching contributions are reached.

Must maintain direct deposit into MoneyLion Checking Account for at least 90 days to receive matching contributions. 
Eligible matching contributions will be deposited into MoneyLion Investment Account. 
Must be a MoneyLion member in good standing at all times until payment of matching contributions. 
See the Official Rules for additional terms, conditions and eligibility requirements. 
Individuals who opt into the promotion between XX/XX/2019, and the time at which the Maximum Commitment is reached ( the Promotional Period ), and who do not already have active preexisting direct deposits into a MoneyLion Checking Account will be eligible for one-time matching contributions of 17 % of their initial direct deposits of funds into their MoneyLion Checking Accounts, subject to the Maximum Match. Generally, the matching contributions will be made available 90 days after the initial qualifying direct deposit, and will be deposited into a participants MoneyLion Investment Account. Once the Maximum Commitment is reached, MoneyLion will have no obligation to make matching contributions for any direct deposit made, regardless of individual applicant eligibility or time of opt-in for the promotion.

MoneyLion may provide matching contributions to the first 100 eligible direct deposits within 10 business days of confirmation that eligible funds have been appropriately directly deposited. For all other participants, MoneyLion will provide matching contributions after the participant has maintained MoneyLion Checking Account direct deposits of at least 90 % of the value of their initial direct deposits for 90 days after their initial direct deposit. MoneyLion reserves the right to provide matching contributions at earlier times to select participants in its sole discretion. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX
Complaint sub-issue: Debt is not yours

Hey its been a year since I've tried disputing these fraudulent student loans. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.
Complaint sub-issue: Talked to a third party about my debt

The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency
Complaint sub-issue: Personal information incorrect

Equifax keeps reporting a number of addresses that are not mines. I keep disputing them but they are not removing them. These addresses are not mines and they are refusing to remove them and are refusing to tell me why they are not removing this inaccurate information. The addresses are as follows : 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: Information belongs to someone else

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Complaint sub-issue: Problem with fees

Macys Amex charged a {$2.00} fee that was reported 30 days late. This has greatly harmed me. I am a XXXX XXXX XXXX and I lost tons of points because of this fee that I had no clue I was being charged. I am never late. They upgraded my account to macys amex. They also just upgraded me to platinum. They encouraged me to go paperless billing so I was unaware about this {$2.00} fee that I acquired. I charged and paid off what they showed as full balance and never knew I was assessed this {$2.00} fee! A couple months later I charged again and paid off the balance again and unknowingly paid the {$2.00} fee that was assessed at that time. I recently got a notification from my credit bureau that I had received this 30 day late and tried to fix this with macys but they are not willing to help. This has been a very stressful situation. It has harmed my credit massively. I pay all my bills on time. I have been a very good cardholder with them and have never been late before or after. I never even received late notices from them regarding this issue. This is clearly bad communication on their part especially when I have been a loyal and responsible consumer to them. I am beside myself with such unfair treatment. I feel extremely manipulated and harmed by their company and I would like this 30 day late removed from all 3 of my credit reports. They obviously have XXXX problem harming their responsible customers. It was a {$2.00} balance not a {$200.00} or {$2000.00} balance. If I was aware I would have paid this immediately! I hope that this can be rectified and that they put better communication into place. I am losing sleep over this whole fiasco. Credit is not something I take for granted. This has harmed me beyond measure. I just hope this gets taken off all 3 credit bureaus.
Complaint sub-issue: Problem getting your free annual credit report

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number  attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to Equifax, XXXX, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against Equifax, XXXX  and XXXX  they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Complaint sub-issue: Account information incorrect

Issue 1- Mil star is reporting the same negative account to Equifax twice but, will two different sets of data.

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years.

Issue 3- Equifax is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX  is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
Complaint sub-issue: Information is not mine

I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.
Complaint sub-issue: Investigation took more than 30 days

LexisNexis claims to be unable to process my request due to inability to authenticate me based on the information I provided. I used a letter on XX/XX/2018, used by many others to which LexisNexis has responded to by starting investigations. The public records are the identifiers of note. LexisNexis has violated the FCRA 30-day provision. If LexisNexis can not validate me it seems the public records can not be validated either. Asking for additional information is a well-documented delay tactic of LexisNexis. The bankruptcy and my demographic info is what is needed as per other complaints to your company. The FCRA clearly outlines the information I am required to provide. I provided the information with my dispute on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The public records are below : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX