Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

Iq Data contacted me on XX/XX/XXXX around XXXX about collecting a payment from an apartment complex for an outstanding balance that doesn't even have 10 days of being posted and in which I had questions about and never received answers from the leasing office despite the multiple attempts to talk to them just for an explanation. The agent from Iq Data asked me to pay for this debt in full on that first call, and expected me to give her my sensitive payment information when I wasn't aware of a due date and I was never informed by the apartment complex or the agency that this debt was transferred over to Iq Data for collection. This agent at Iq Data threaten me that if I didn't pay this debt in full the same day I was going to incurred interests, and that it was going to get reported on my credit and that it was going to affect me from refinancing and doing anything with my credit. I was very confused and scared about this call and so I hang up.

I called the apartment complex later that same day to verify and they provided me the agency name and contact information so I called a second time in the day asking for what legal procedures they took to notify me about this debt since I never received a statement with a due date on it nor any notification that this account was getting transfer over to collections. She told me that the apartment complex and the agency " mailed it out '' to my new address which I am sure it is not true. I never received anything in the mail. and she told me it was not their problem and that they didn't have to send anything by law. Since I was asking for more information, she got upset that I was challenging her with my consumer rights on this, and how I thought this was illegal. She started raising her voice and not letting me explain anything back to her so she hangs up on me.

I finally called them a second time and submitted payment because I do not want anything reported on my credit. However, I certainly feel this is not the proper procedure and treatment for anyone. I also feel they have follow proper written communications guidelines with due dates and consequences explained to protect consumers of unfair and abusive practices.
Complaint sub-issue: Personal information incorrect

There is erroneous information on my credit report in regards to my name, address, and employment.
Complaint sub-issue: Debt was result of identity theft

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/2022, I got XXXX  checking Bonus offer flyer by mail ( Promotion Code XXXX ), and I walked to the Citibank , N.A . XXXX XXXX and asked if I am qualified for this bonus offer. XXXX personal XXXX XXXX XXXX helped me and checked my situation. At that time, I told him I have a checking account with Citibank. He did research and told me that I am qualified for this bonus offer and helped me to open a saving account. And he told me that I have to make a deposit of {$75000.00} to earn the {$1000.00} bonus by XX/XX/2022. I also asked him if I can make the deposit on XX/XX/2022. He was very positive in confirming that is not a problem. For the checking bonus offer, Citibank required me to keep my money in my checking account for 60 days. After 3 months, I still didnt get my bonus, so I went back to XXXX XXXX XXXX He told me not to worry and that he will investigate my case. I went to his branch every weekend and asked the result for three weeks. After more than one month, I still didnt get any results. So he forwarded my issue to his XXXX XXXX XXXX XXXX. XXXX helped me conduct another investigation. After about two weeks, she told me that I am not qualified for the bonus because I didnt make the deposit within 20 days after I opened my account. I told her that is not true, because XXXX told me I can make the deposit on XX/XX/2022. So she forwarded my issue to her XXXX, XXXX XXXX. After one week, XXXX called me to tell me that I am not qualified for the bonus offer because I opened a checking account with Citibank within 180 days of opening my savings account. This means that XXXX employee XXXX XXXX provided me with incorrect information when he said I qualified for the bonus.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2018, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Complaint sub-issue: Transaction was not authorized

Its not letting me cash out like i normal do in my bank account and my account was overdraft
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 15 U.S.C 1681 Section 623 ( a ) ( 5 )
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Funds not handled or disbursed as instructed

I get paid by the first of the month every month. My employer sends all of my deposit information to my bank three to four business days before the actual payday Now, when i first opened my acct. With Moneylion i did it because they had products and services that inteigued me. However, those services ( getting paid two days early ) only happened the first two months i moved my direct deposit from XXXX ( who always honored getting paid two days early no problems ) to moneylion. The last four month have been a battle trying to get them to honor their advertisements of getting paud two days early and when i call i can never speak to a supervisor. Ive even set up appointments for supervisors to return my call to no avail. They already informed me that they received my deposit information from my employer on thursday. The first is Tuesday with Monday being a holiday. So, in all reality i shouldve been paid yesterday, today at the absolute latest. I am being told my money won't go through until Monday the holiday. My car is going to be repossessed because these people have deceptive, unethical, and fraudulent banking services they advertise. Ive had family whom have worked for online banks and they told me that they hold onto your money as ling as possible to earn intrest off of your money. I never believed it at first but these last four to five months have made me a believer. I hate banks in general but im now wishing i wouldve never switched from XXXX  to moneylion because at least they honored their advertised services.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Complaint sub-issue: Information belongs to someone else

This company is furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. In pursuant to 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These companies are calling me XXXX times a day, calling family members and friend XXXX times a day in clear violation. 

Pursuant to 18 USC XXXX, I owe no debt.Company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXXCompany also has NO permission to report ANYTHING using my information pursuant to 15USC1681 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reinvestigated my credit report, I realized that some of the accounts were still present. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Complaint sub-issue: Can't close your account

I havent received a bill for this. My address is current and has been. Not sure how I know I owe on something when it pops up on my credit years later. And youre saying ive been late since 2015?
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Complaint sub-issue: Didn't receive notice of right to dispute

Company furnished an unauthorized account without my permission. Violating my Consumer privacy rights.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I booked and fully paid for a cabin rental with XXXX XXXX for a stay from XX/XX/XXXX-XX/XX/XXXX. 12 days after we departed ( XX/XX/XXXX ) I was charged an additional {$460.00} for " damages ''. We did not cause any damages during our stay. Discover Card allowed the merchant to charge me and refused to reverse the charges after I disputed.
Complaint sub-issue: Received bad information about your loan

Around XX/XX/2017 I started receiving calls from a third party company about loan forgiveness and loan consolidation. At the time I was not informed they were a third party company that works with XXXX   XXXX XXXX. After many calls from them ( to this day I do not know the companies name because they said they were The Department of Education ) I decided to complete an application to find out if I could get loan forgiveness. I was under the impression that I would only be paying the company IF they were able to help me. They billed my credit card and I never heard from them again. So I stopped payment on my credit card and assumed all would go away. I was wrong! In XX/XX/2017 I started receiving my new bills from XXXX XXXX XXXX which prior I never even had heard of this company. So I start trying to get ahold of them. Every time I called them I was transferred to the military line and I have made multiple complaints about that. So they would have me retry the call. Working an XXXX to XXXX Monday - Friday job and them not being open after hours. I would have to call back again and again. Finally after a few months of getting a hold of them I realized they had made bad remarks on my credit report. Which prior to them having my loan I was on a Forbearance so that was another huge shocker. So I called again and again until I could get ahold of someone. Finally a lady heard me out and said I needed to write a letter to their credit department. So I did and I was denied and never called as I asked for. So I called again and was told, too bad for them sending me to the Credit Breuer. So I asked who the third party company was working with them and they denied me the information. In the last 6 years of me being with XXXX I have never had even one bad experience. So I called them for advice XX/XX/17. The lady explained my consolidation was already finalized and they couldn't help. So she gave me this information so I could possibly get help from the real Department of Education and Consumers Affairs would know how Federal Loan Forgiveness is being handled through these third party companies. Its already horrible enough to have debt over your head but to be pushed into bad credit because its handled incorrectly is unfair and un-American.
Complaint sub-issue: Funds not received from closed account

US Bank recently closed my business and personal accounts. As a result I was issued a check made out to my business, XXXX, a sole proprietorship registered under my social security number. I went to the bank to cash the check, as I do not have another business account and was denied. I provided ID and it was verified that I am indeed the owner or the business as sole proprietor. The branch manager,  XXXX XXXX refuses to help me. I asked if I could have the check re-issued in my name, also refused. I called US Bank on the phone and was given essentially the same answer. I was told that in order to cash the check and receive my funds I would have to open another account at a different institution, which would incur additional time and expense in order for me to get my money back. I do not wish to open another business account as I have suspended my business operations.
Complaint sub-issue: Didn't receive terms that were advertised

I received a targeted offer for opening a Citi Priority checking account with a bonus of 50,000 XXXX XXXX miles after completing certain requirements. I met the requirements months ago but the miles have not posted to my account. According to their support team, my XXXX XXXX number was missing and that is the reason for the miles not posting. Over a month ago I contacted them with my XXXX   number and was told the miles would post in 7 days. That didn't happen so I contacted them again, and again I got the same response. I am tired of wasting my time with Citi representatives and would like the CFPB to step in.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Complaint sub-issue: Reporting company used your report improperly

XXXX/Equifax/XXXX  violated my right to privacy as a consumer by accessing and publishing my private information. Please see the attached letter to XXXX  and attached Exhibits.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There were fraudulent charges on my debit card XX/XX/2020, I disputed them with my bank. But Key Bank tried to blame my boyfriend, when I found out the truth they were not interested. They weren't interested in investigating the people who did this, neither were the police. I want them prosecuted.
Complaint sub-issue: Their investigation did not fix an error on your report

This is proof Equifax is not doing a proper investigation and XXXX is using E-Oscar to submit information without providing any proof they're providing accurate information. I have submitted multiple documents that prove they can't validate the information they're providing and they need to be reported to the FTC. XXXX and Equifax are in violation and I need to be compensated for this continued violation at {$1000.00} per month. I have been disputing this inaccurate information for over 18 months and Equifax and XXXX are both liable for the damage to my credit that has occurred. I'm asking for {$27000.00} from both companies as they're aware they're committing this violation and realize there aren't any consequences for this known violation. Hold them responsible.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX/XXXX along with a notarized affidavit claiming fraud. XXXX/XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX/XXXX   to close their files which have any information with my name & social on it ...
Complaint sub-issue: Information is missing that should be on the report

Delete XXXX  XXXX XXXX account number XXXX immediately due to the violation of Section 611 ( c ) of the Fair Credit Reporting Act. Section 611 ( c ) clearly states that and I quote, " Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I recieved a credit report from Equifax dated XX/XX/2022 ( kindly see file attached ). This credit report doesnt state that I have disputed the accuracy of this account on my credit report and have been doing so for over a year now. This is the third time that this violation was done to me
Complaint sub-issue: Public record

The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.