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

Hi I am submitting this XXXX XXXX without 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 719tXXXX 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Didn't receive advertised or promotional terms

When I contacted CitiBank on XX/XX/XXXX for their promotion, I was informed that I would have 0 % APR for 12 months and 0 % APR for balance transfers for 21 months. However, I check my account and reached out to CitiBank today ( XX/XX/XXXX ) and was instructed that I didnt receive the 0 % APR for purchases and it only applied to balance transfers. If you go to their website you will find that the CitiBank Simplicity card offers 0 % APR for purchases and balance transfers. I applied over the phone the on XX/XX/XXXX and was informed I would have both and I have spoken with another customer service representative and was instructed that I had until XX/XX/XXXX. When I called today XXXX stated I didnt have it and their was no one else to assist me and no calls could be pulled. XXXX call reference # XXXX would not allow me to speak with a supervisor and/or manger and stated no would could help me. Also, XXXX reference # XXXX informed me that he was unable to find my promotion and no one else could assist me with finding it. I was informed more than once that I had 0 % XXXX by a representative and no one will help me pull the call to hear what I signed up for. Could someone please HELP me or make sure that they stop misleading information? I should have never done my application over the phone and I have learned a valuable lesson. Thank you! XXXX XXXX!
Complaint sub-issue: Old information reappears or never goes away

Loans went into forbearance and customer service representative informed me that after the forbearance loans would be current and al late pay notations on my credit would be taken off. The late pay notations were never removed.
Complaint sub-issue: Problem using a debit or ATM card

On Thursday XX/XX/XXXX I was charged an atm fee of {$20.00}, Monday XX/XX/XXXX I was charged an atm fee of {$35.00} and again on Monday XX/XX/XXXX an atm fee of XXXX. I called Citi bank to see if they would reverse the charges on Saturday XXXX XXXX the first customer service guy told me told me he had reversed all 3 fees. After waiting about 15 I looked at my account again he only reversed 1 charge. I called back to see what had happened. The second clerk said they only could reverse 1 of the fees. That not what I was told by the first guy. Even before I opened this account I contacted this bank and told them what I was going to do because I was looking for a international bank because I was traveling to XXXX XXXX at no point of the conversation did they explain all these fees to me. It fact they told me I would not have all these fees because Citi bank had operation in this country. I was lied to multiple times by this bank and it is time for this to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.
Complaint sub-issue: Information belongs to someone else

This company is hiding from me They refuse to send me my report even after mailing them a request they have my police report and refuse to remove fruskdent information
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies FCC/XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Complaint sub-issue: Right to dispute notice not received

I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me XXXX  ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Dear XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last 4 : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX XXXXccount XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX  starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Complaint sub-issue: Problem with customer service

I am unemployed, I filled out an application for an Income-driven Repayment plan at studentloans.gov, and was granted a zero amount repayment in   XXXX   XXXX       In   XXXX   XXXX   my income tax refund was withheld b  y ECMC ( Educational Credit Management Corporation ), claiming that I was in default. Up until this letter, I had no correspondence from ECMC stating that I was in default, nor was I ever even informed that ECMC was a lender of mine. I am not in default with any of my other lenders. All my other lenders received and granted my Income-driven Repayment plan.
I emailed ECMC twice and have not received a response.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX COLLECTION : XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX  XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX 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

Money lion is reporting a balance to XXXX when i paid account in full
Complaint sub-issue: Debt was paid

XXXX XXXX CLAIMS : Docket XXXX. 
In the year XXXX there was an eligibility error on the employer part the original debtor office was contacted by XXXX XXXX that claims are being reprocessed. No court date documents sent. I have been checking the website for any activity under notices. I received a failure to appear judgement which is totally incorrect NAIR & LEVIN returned date was XXXX/XXXX/XXXX, however they have been contacted by superiors at XXXX insurance that the claim was reprocessed. XXXX made the negotiable to the participating provider but then 5 years latter the money was recoupe due to an eligibility error. That error has now been corrected. Nair and Levin, ( XXXX, ct ) just jumped there guns when they were informed by XXXX once the archived information for XXXX claims recvd and eligibility updated the claims will be reprocess, and now they have sent me the entire bill which is incorrect saying I have a failure to appear when I recvd no such document. They took among themselves when the insurance company has been speaking with them. Docket XXXX. I have the XXXX when claims processed.
Complaint sub-issue: Investigation took more than 30 days

Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from I.C. System account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.
Complaint sub-issue: Information belongs to someone else

So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report Equifax & XXXX are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME
Complaint sub-issue: Can't use card to make purchases

I have had my credit card with BancorpSouth Bank in XXXX, MS for quite sometime. I pay my balance in full every month. I use the card for online grocery purchases, gas and some other occasional online purchases. 
On Monday, XX/XX/XXXX, I was notified through XXXX  that my authorized subscription for {$5.00} was declined by BancorpSouth Bank and that I needed to provide another form of payment. I knew this had to be a mistake. On Wednesday, XX/XX/XXXX, I used my BancorpSouth card at XXXX and at the gas station. Late Wednesday night, I created an online grocery order to XXXX. When I tried to use this credit card to pay, it was again declined. I thought maybe their system was down so I attempted again. 
During banking hours on Wednesday, I sent an email to BancorpSouth Customer Service to inquire what was going on with my credit card account. I received a response that I would be contacted within 24 hours. 
At XXXX XXXX  on XX/XX/XXXX, BancorpSouth Fraud and Risk Management Department contacted me and asked me to return their call. I called them back and spoke with XXXX. He immediately asked me for my card number. I refused to provide. In this day and time with all of the fraudulent transactions, I could not believe they asked for my card number. There has to be other ways to verify your identity. He said my card was placed on hold on XX/XX/XXXX and wanted to review some transactions with me. I asked him why it took 4 DAYS to contact me and that I had several transactions declined because of their hold. He provided no explanation for the delay in trying to reach me. This is very embarrassing! XXXX will no longer accept my BancorpSouth Bank credit card as a source of payment because they think I was past due or over my credit limit. What if I had been on vacation with this credit card as my only source of payment??? 
It is very obvious to be there is no standard of care or customer service at this bank. I still have not received a call from their customer service and it has been well over 24 hours mentioned in their email.
Complaint sub-issue: Information belongs to someone else

This writer submitted a dispute to XXXX on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX XXXXXXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both  reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information
Complaint sub-issue: Account status incorrect

XXXX XXXX  Account # XXXX account was paid XX/XX/2020 and was advised it would be deleted off credit report.
Complaint sub-issue: Debt was result of identity theft

A card was opened using my name in  XXXX  I contacte d Macys and   even sent them the fraud affidavit years ago letting them know I was a victim of identify theft and did not open the card. They told me it would be taken care of, again in  XXXX  of  XXXX  I learned this account was still open and holding me up from obtaining credit. I once again contacted them and they stated they would escalate the problem since they could see it should have already been taken care of. I again faxed them the fraud affidavit and they have yet to release my liability from the account after speaking to numerous people over th e past 2 weeks.
Complaint sub-issue: Didn't receive terms that were advertised

XX/XX/2018 I open a check account with Citibank over the phone and was given a promotion over the phone which I still have a hand writen note make debt purchase of {$370.00} or more within 60 days and make 1 or 2 bill pay within 60 days ( no minimum amount ) wait 90 days after the 60 days period get XXXX XXXX XXXX XXXX So I opened the account and did the purchase and bill pays and during the time of promotion of 60 days I have made two phone calls to check weather I will get the miles they all said I am good I just have to wait 90 days but the miles never came so XX/XX/2018 I filed a dispute with bank confirmation # XXXX and I got a letter back from them and my promotion was denied
Complaint sub-issue: Information belongs to someone else

I WAS A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXX P : M today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX WHEREQUIFAX CREDIT PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXXE XXXX SENT A LETTER TO ME AND XXXX   DEMANDIN G THEY REMOVE ALL XXXX XXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX6 XXXX NO.XXXX & XXXX NO.XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX