Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing a complaint on all remarks made on my credit report due to the fact of misused credit by lenders and the unauthorized use of my information for the financial gain of other corporations. Credit Bureaus without my consent and took my information to report on my credit report of accounts that have been created with credit but was not disclosed with consumer. The natural person original creditor. 

There are 6 different accounts from DEPT OF ED/NELNET All last reported on XX/XX/2021 which I was not informed on any of this information being reported. 

The price on each account is as follows .... 
{$26000.00} {$24000.00} {$20000.00} {$20000.00} {$3600.00} {$1500.00} There is no wet signature of mine on any document stating I owe any and or such alleged debt they state I owe. According to 18 USC 8 Obligations of the United States to pay any and all debts arising from consumer transactions.
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( XXXX XXXX XXXX   {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.
Complaint sub-issue: Debt is not yours

XXXX XXXX, XXXX, and XXXX  have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/2018 ; I applied for the XXXX AAdvantage credit card for my XXXX XXXXn : XXXX XXXX XXXX. 

I received written notification from Citi asking that I provide additional documents to complete the application. 

Using these instructions, I called Citi on XX/XX/2018 and spoke with their underwriter who reviews and processes and ultimately approves and declines credit card applications. 

I asked the agent where copies of my XXXX U.S business tax returns or Articles of incorporations, to complete the application, should be issued ( i.e. fax or mail or email ) since the application was not yet approved. 

The agent was kind and professional and provided me with both an email address and a fax number to forward the outstanding documents. 

I asked the agent ( underwriter ) specifically once my application was reviewed and approved ; IF I would then qualify for the AAdvantage Miles promotion. The question was not theoretical or hypothetical but specifically was in reference to existing application. She reviewed the application and confirmed I would need to spend XXXX USD on qualified purchases within the first 3 months of opening the account to qualify for XXXX AAdvantage Miles. 

On XX/XX/2018 ; I contacted Citi AAdvantage and asked why my XXXX AAdvantage credit card was not yet received. They promptly stated they would issue a new card via XXXX  but confirmed the AAdvantage Miles promotion was no longer applicable due to having a prior open account. 

I disputed the information and spoke with a Supervisor who refused to review the phone call despite acknowledging phone calls are monitored and recorded for quality assurance. 

I am upset because Citi AAdvantage provided incomplete and misleading information during my interaction with the Citi underwriter on XX/XX/2018. I specifically asked IF my existing application would be eligible for the promotion and the answer was an unequivocal and resounding yes. 

Doing so meant I forfeited a new credit inquiry and lowered my XXXX score due to the agent 's lack of due diligence. 

Please help other Consumers avoid this mistake when applying for new credit cards in the future. Citi AAdvantage claims new applicants should read online disclaimers but does not have a system in place that prevents applications from being processed IF the client is not eligible for a promotion.
Complaint sub-issue: Information belongs to someone else

I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX # XXXX  3.XXXX XXXX XXXX XXXX # XXXX   4.XXXX XXXX # XXXX  I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information is not mine

hi, i just check my credit report 2 days ago From Equifax and i find a collection charge in the amount of XXXX dollars, From '' XXXX XXXX XXXX '' this charge does not belong to me and also an account from XXXX XXXX does n't belong to me
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXXXXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.
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 XXXX XXXX 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: Company closed your account

I received a letter from Discover dated XX/XX/XXXX stating my account will close due to inactivity on XX/XX/XXXX. The Pandemic hit the next month forcing me to obey the " stay at home order '' set forth by the WV Governor. I had not left the house until XX/XX/XXXX for a medical appointment. I was not able to use this card prior to the XXXX. I inquired with Discover on the XXXX and my account was " still open '' but I was told they would indeed close it within the next day or two. I made a purchase on the XXXX and it went through. I spoke with a Discover Supervisor after this purchase reminding her that the guidelines for this closure should not be reinforced because of this national crisis. If I had a balance on this account I would not have to pay it ; yet, I have an account in Excellent standing - with a {$15000.00} limit since XXXX and Discover will close my account and lower my credit score and effect my credit report due to no fault of my own. I had an Excellent credit score and need this more now as we are building a new home. I spoke with Discover Corporate on XX/XX/XXXX. I was told there was no exceptions for the closing guidelines due to the Virus. However, this state has changed guidelines for license expiration. I was issued a new card with only a limit of {$1000.00} with one click - why can't they keep my card open with one click?
Complaint sub-issue: Transaction was not authorized

On XX/XX/2018, I deposited {$14000.00} into a Citi checking account and {$100.00} into a savings account as part of a promotional offer to earn a bonus of {$400.00} for maintaining a combined balance of {$15000.00} for 60 days. I maintained this balance until XX/XX/2018, and exceeded the 60 day requirement. However, on XX/XX/2018, XXXX incorrectly charged me a $ XXXX  monthly maintenance fee for an insufficient balance. This fee was reversed on XX/XX/2018. Citi claims that I did not earn the bonus because this erroneous {$25.00} fee dropped by balance below {$15000.00} before the 60 day requirement.
Complaint sub-issue: Debt was paid

XX/XX/XXXX using XXXX XXXX as a 3rd Party I contacted Tek Collect, after noticing them on my credit reports attempting to collect for XXXX XXXX XXXX. 

I had an unsecured loan threw my bank, XXXX XXXX XXXX XX/XX/XXXX, that loan was paid IN FULL within its time frame by XX/XX/XXXX. I obtained this loan as a XXXX XXXX  due to the govt shutdown. There were stipulations on them, and we had to pay them back asap. Under no circumstances should a collection agency ever been contacted regarding my loan with XXXX. So why did Tek Collect show up on my acct in XXXX? 

Using XXXX XXXX, I requested that Tek Collect remove their tradelines from the credit bureaus, due to my XXXX loan had BEEN paid in full. I received a letter dated XX/XX/XXXX stating that they had done so. I assumed they notified all 3 bureaus ... in the letter it stated the credit reporting agencies .... I saw their info deleted from XXXX. 

Later to find out, its still on my XXXX report. Please see all supporting documents.
Complaint sub-issue: Information belongs to someone else

Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern : I have sent two letters to Equifax requesting the incorrect information be removed from my credit report. The address were removed that don't belong to me but they removed the incorrect name. I am remarried and my name is not affiliated to XXXX. 

My drivers license and social all have XXXX XXXX. I received no notification from Equifax to confirm and my letter clearly stated to remove XXXX XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2021 I disputed an account that doesnt belong to me, no written information received that this debt belonged to me. XXXX XXXX XXXX in the amount of {$480.00} XXXX Ross is an unknown account to me, I did not open this account in XXXX therefore this account doesnt belong to me. The dispute came back XX/XX/2021 stating that account was verified. Account was nit verified and information was not sent pertaining to this account.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

A loan from Rise appeared on my credit that I did not take out. I never filled out an application with them. I never received funds from them. I reported it when I noticed it. My credit report shows it was opened on XX/XX/2018 and was charged off a few months later. It is now with the collection agency XXXX as of XX/XX/2018. I have disputed this charge on my credit report several times. I have called Rise and reported it has fraud. They told me to send in info proving it was fraud. I filed a report with the FTC and sent a copy to Rise  as they asked. They have denied all my claims of fraud because they said that a check was mailed to my home address. They claim that the check was cashed. I told them I never got a check nor did I cash a check. I told them I never applied for a loan. I have asked them to prove to me the account is mine by sending me the contract or promissory note as well as a copy of the check I was said to cash. I asked for all information about the loan. They have failed to provide me with any information about said loan but still report the account negatively on my credit as well as the collection agency is still presuming me for the loan.
Complaint sub-issue: Frequent or repeated calls

I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only.
Complaint sub-issue: Account status incorrect

A student loan has caused my score to lower before it is due. It is not delinquent. I was approved.
Complaint sub-issue: Attempted to collect wrong amount

I called this company to returned voluntary the car XXXX XXXX XXXX  because I could not pay at the moment for health issues then to avoid problems with this company I decided return it. The key bank picked up the car in my residency XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. After that I called them and they informed me that the car was sold and the totally cost of the debt was totally cover. Then I received the last bill with the balance {$0.00} dollars. After all two months later I received another bill from another location of KeyBank in the state of New York that I have to pay the totally cost of the car. I called them and they told me I have to pay and I began pay about six months but they pushing me that I have to pay the totally cost of this debt. Then I asked for the real documentation that they told me that they have that I signed that I am responsible for this debt. I requested that send to me at my address. I never received nothing so they reported in my credit the debt but they didn't reported the payment that I made. I want an investigation of this because I have the proof that the balance of this debt is {$0.00} dollars. Now the balance is {$12000.00} dollars.
Complaint sub-issue: Account status

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I settled a car loan with US Bank on XX/XX/2020. At the time, I was told that the title to my car would be released and that I should receive it in approximately 30 days. Over 30 days passed without receipt of the title, so I called again and was told that the title is being requested again and now I should wait another 30 days. As of today, XX/XX/2020, I still have not received the title. I called Florida XXXX and inquired about the title today. I was told that the lien has not been released. I called US bank again today, spoke to a gentleman named XXXX who informed me he would submit the request for the title today and for me to expect it in 30-45 days. 

Clearly, US Bank has no intention of releasing the title. A title request is a task they perform on a daily basis, so there's really no excuse for this other than they intend to give me the run-around about it. 

I am requesting your assistance with the title request since US Bank has apparently forgotten how to perform this simple task.
Complaint sub-issue: Banking errors

I was issued an inaccurate XXXX. Citi sent the wrong numbers to the IRS. They claimed to have paid me {$800.00} in 2018 interest. In fact, they only paid me {$400.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/21 I used FedLoan Servicing 's email portal on their website to ask a question about the status of my income-drive repayment plan. 6 days have passed with no response. I wanted to use their chat feature advertised on their website. It always says " No agents available at this time '' during their normal business hours. 

Phone : I have tried calling on 3 occasions. I missed a callback the first time. But now, pressing 1 to request a callback and reserve a place in line either ends the call immediately with no callback confirmation or it just repeats the same loop you've been on, eventually asking you again if you'd like to receive a callback later and hold your place in line.. an endless loop. 

If I can not confirm these details I will not be able to confirm the minimum payment that is on the bill when payments resume is accurate or not!
Complaint sub-issue: Can't use card to make purchases

I opened a new account with Macys. I never received a physical card in the mail. Six months later I made a purchase at Macys. When I tried to make a payment on my account, I realize that I needed a physical card showing my account number in order to make the payment. I had called in to Macys a second time, and requested a card be sent out to me. I had not received the card for over four weeks. Because of this I could not make a payment on time. As soon as I receive the card in the mail, I went onto the app and paid off my balance in full. I then called in to Macys to explain what had happened, and they did reverse the late fee. I made the payment on the app from my checking account with a wire transfer. Those funds were immediately taken from my checking account, and were applied immediately to my Macys account. I noticed that my available credit has been showing as XXXX for weeks after my payment. When I called into Macys to understand what the issue was, they explained to me that there was a hold on my funds for more than two weeks. When I spoke with the representative, I explained to her that those funds were sent electronically in a wire transfer, and they were available to Macys weeks ago. There should be no reason for my account to be showing that I have no available credit on my account. I explained to the representative that this is an issue because it is reporting to credit agencies that I have no available credit on my account. The representative said that she could do nothing for me other than allow the timeframe of the hold to expire. She didnt seem interested in helping with the situation or understanding that what Macys is doing is an illegal practice as they had my funds immediately in their possession. I want to report this to the credit reporting agency as I believe this is unfair credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations