Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and XXXX  refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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

random inquires that have just been popping up when i have no business or account with these companies equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir/Madam, I purchased 2 airfare tickets for myself and for my wife to travel together on XX/XX/XXXX and travel date was XX/XX/XXXX from XXXX and airline was XXXX XXXX XXXX   XXXXXXXX charged me {$1600.00} for 2 tickets ( each one was {$810.00} ) and I have a proof of that from their website. I used my Citibank master card Unfortunately, because of Corona virus. XXXX of XXXX XXXX put banned on all pilgrimage travelers. I have the news proofs from XXXX  XXXX, XXXX XXXX and other resources news from XX/XX/XXXX. I called XXXX  but they had closed their call centers and no one was answering the phone. Till today, XXXX   don't respond. I couldn't open a dispute case with XXXX   However, I had gone ahead and open a dispute with Citi credit card. XXXX charged citicard twice for the amount of {$810.00} for 2 tickets. So, I end up opening 2 disputes with Citicard. I provided all the  evidences and Citicard disputed with the vendor and issued me a credit of {$810.00} only while all the evidences were the same for the 2nd dispute also. I called numerous times citicard services and explained and provided same documents over and over again but non of the dispute investigator paid attention on it and sticked with their one credit. I would like citicard to issue me the credit of my other portion of the transaction {$810.00}. Citicard is keep reviewing, closing and opening disputes but not paying attention and refusing me credit saying it is too old now. Kindly, help me out. I have all the detailed documents that I can provide. 
On XX/XX/XXXX. I called citicard and spoke with Citicard rep XXXX. She said she will ask her manager to reopen the case again. 

Here is citicard dispute # XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.
Complaint sub-issue: Investigation took more than 30 days

I already had an active life insurance policy. For the 2nd time the life insurance company had some unexplained glitch and it drafted from my checking account approx. 10 times the monthly premium. No real explanation, I was very angry and did a lot of leg work on my own to investigate, in the mean time they said the auto system had cancelled me for not paying the {$400.00} something which was wrong. I explained that it all made me so nervous, what if I died? is this what my family will experience, I did speak t underwriting and they advised to just apply for a new policy, they gave me a new agen after I requested to keep my original agent. Then it took months, a whole application process, exposed to walk into a Lab, all of it again!! I later got covid!! then they declined me for some XXXX I had XXXX  years ago that was resolved back in XXXX! and also declined me for having had XXXX!!! Then I learned about the MIB and the universe headquarters where all my applications were getting the same info to DECLINE me. 
I have tried working with my hospital ; medical records, because apparently I also lived another nightmare with HIPPA and my Medical records ; had other peoples printed pages in my files. They supposed to have had a 700 plus page audit, they emailed me a pdf but i dont know all the medical terminology. Except the way my doctors office has had glitched too ; old system and new system So now my XXXX note from my resolved XXXX with XXXX XXXX reappeared as " history of " they read it as if I am having the same ongoing treatment, which I never did, just XXXX, no XXXX etc. 
The new insurance agent seemed very sloppy too helping me. I feel they all mis lead me to just get rid of me, I have waited to resolve this issue from XXXX to XXXX. They never called to ask if I had been in hospital for covid, lived or died. MIB doesnt have any covid info for XXXX. It all feels very very wrong, I am recovering from XXXX but I have been home, I will be okay. Covid is new to all and our doctors are still developing a list of what symptoms are with various treatments, we do not have all the information yet. We are all falling into these new lists and so I do not understand how I was marked as declined " with ... .and Covid '' There is a lot more to my story. I have ne dangerous life style, I have a good background since I am a XXXX XXXX XXXX XXXX. I live a healthy life and all I want is my life insurance policy back! I feel trapped into fighting to get it back since all the roadblocks are already set up against me!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to Equifax so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with XXXX XXXX XXXX and they keep reporting false information.
Complaint sub-issue: Information belongs to someone else

My brother opened this account in my name without my knowledge and has passed away. Now XXXX XXXX is coming after me and Ive never received nor did I apply for this account. The payments are minimal and I will pay it if they remove the negative marks on my credit as it is hurting me and I have nothing to do with them.
Complaint sub-issue: Didn't receive terms that were advertised

I had opened a promotional account introduction offer from Citi Bank which required a deposit of {$15000.00} for 60 days into a new account when you opened a checking and savings account, in which you would receive a {$400.00} bonus. I did this in XX/XX/2020, and in early XX/XX/2020 I had reached the eligibility criteria. In XXXX I had contacted about when I would receive the bonus, and they said it would come by XXXX, and that I had met the eligibility criteria. Due to inactivity in my checking account, they had closed my checking account at the XXXX  of XXXX, though I left my initial deposit in my savings account until I received the promotion bonus. Over the course of the next few months I had contacted the bank due to no funds being provided, and they mentioned that I should be receiving it soon. In XXXX I had opened a case because I had still not received the money ( within 90 days ), and they told me there was no promotion offer. After I had called and told them that there was, they had confirmed that there was a promotion, and that I had met the eligibility criteria, even though one of my accounts were closed, and this was confirmed by multiple people. 

I have now received a letter that I am not eligible for the offer because my checking account was closed, even though I had deposited my funds in the savings account and had met the bonus criteria initially. They said I had to have both accounts open by the time the funds were 'deposited ', but that was not the initial offer, which was that you needed to have the money in the account for 60 days and then you would be able to get the bonus. There was no mention of any additional criteria of keeping both accounts open ( which I did not close the account myself, but Citi Bank closed it ). 

I had met the original bonus criteria, and I believe that I am still owned the bonus from Citi Bank because I met the original criteria that was in the promotion material when I applied. When I received the response letter they didn't even reference any material stating that I had to have the account open AFTER I had already met the criteria. Other bonuses that I have received in the past have been deposited fairly quickly after meeting the criteria, so that's what I was expecting with this bank, but apparently not, and their inaction apparently switched my bonus eligibility from yes to no.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have reached out to remove the incorrect/fraudulent accounts. No action taken.
Complaint sub-issue: Account status incorrect

called company and spoke with a Supervisor regarding my credit report showing a late payment in XXXX 2017. This was during the time Harvey hit the gulf coast/XXXX  area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I.have some hard inquiries on my credit report I have no knowledge of, contacted XXXX to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXXXX/XX/XXXX( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (
Complaint sub-issue: Confusing or misleading advertising about the credit card

I am a current CitiCard customer that had a card expiring. I received the card and called to activate it. I successfully activated the card, and the agent said I was eligible for a Gold option on the card and asked if I also wanted the " feature turned on ''. I said OK. 

What really happened is that they sent my new expired card AND opened a new credit card with a {$10000.00} credit line and several terms including a {$50.00} annual charge. My original card is a lower credit limit and no annual fee. NO REPRESENTATION was given to me that this was going to be a new, separate card, and NONE of the terms were provided. It was misrepresented as a 'feature ' on my current card, not a new Gold card. 

I felt this was a gross misrepresentation and false marketing to drive new accounts and higher credit limits just like XXXX XXXX has been fined for doing. This hit my credit report and affected my score among other inconveniences. 

I called and immediately cancelled the card, but this must be a rampant practice at CitiBank now. 

I would like an understanding of how the CFPB is going to follow-up especially given the I myself am in the financial services industry.
Complaint sub-issue: Reporting company used your report improperly

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I made an on time payment by due date and then paid in full the account balance 4 days after due date and Citibank is rolling the balance that has been paid in full over to the next month when in fact it should have been reported to the credit bureau 's the account was paid in full. There was plenty of time before the next month to report it was paid in full I called citi bank and they refuse to acknowledge the paid in full account and refused to report the correct amount to credit bureau which in turn hurts my credit citibank has no problem reporting account balances or missed payments right away but an account paid in full takes months to report this is unfair business practices by big banks that needs to be corrected. They should be ecstatic when one of their customers actually pays their account off it should be celebrated by the banks that they have a responsible customer who actually did the right thing and not filed bankruptcy and they shouldn't charge interest on accounts paid in full like citibank rolling the balance over to next month and charging interest when balance was paid in full 4 days after due date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent Equifax multiple letters to very that this account was owed by me and I never received a copy of a application with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I CLOSED two of my US Bank credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT XXXX  XXXX Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a dispute XXXX stating I have fraudulent items on my report and it was said deemed correct. I reported that XXXX had a vehicle on my credit report which was not my vehicle but my ex XXXX XXXX. The information came back that XXXX didn't have any idea who she was. At not one point did I ever have ownership of the vehicle and was not notified of the repo until it was sold. In the claim number above XXXX stated they did not have any record of XXXX XXXX the owner of the vehicle and the only person to ever have the vehicle. I'm refiling the claim because I have proof they were being dishonest.