Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax every week for the past 2-3 months. I have noticed some unauthorized, unverified inquires on my credit report in XXXX, submitted a FTC report to the bureaus, 4 times for Equifax, and they are refusing to delete the unauthorized inquires. They have failed to verify the inquires and since I have submitted the FTC report numerous of times, they are refusing to adhere to the law.
Complaint sub-issue: Deposits and withdrawals

Date of Occurrence : XX/XX/XXXX Amount involved : XXXX Company involved : Discover Bank ( FDIC cert # : XXXX ) Nature of Complaint : On XX/XX/XXXX at XXXXXXXX XXXX  EST we were unable to login through our mobile banking and prompted to call Discover. When I called we were transferred to to the Fraud department. I spoke with XXXX in XXXX, AZ initially. She explained that our account had been closed due to a " Business decision '' and that we no longer had access to the funds. There was no explanation given and we were not allowed to speak to a supervisor. We were told a supervisor would call us within 24-48 hours. I asked when the funds would be released and she said after the investigation is closed, they would issue after 60-90 days. I explained to her that I am XXXX  and due in 60 days, that we are set to close on a new home in 30 ; all to her telling me there is nothing she can do. 
Over the next few hours I proceeded to call back and attempt to speak to a supervisor. I spoke with multiple representatives all who told me the same scripted message, " a business decision was made to close your account. '' After 3 hours I was transferred to XXXX in XXXX, AZ again ; she proceeded to cry and said " I want to tell you something that is happening but I could lose my job. '' That threw up a red flag for me immediately. She finally transferred me to her supervisor, XXXX ( also located in XXXX, AZ ), who proceeded to tell me the account was closed by a malfunction in the computer. However, there was nothing he could do on his end. 

On XX/XX/XXXX I spoke with XXXX in Discover 's Fraud department who told me again that the account was closed. I probed further and she finally disclosed that it was due to a check I deposited which included my middle name rather than my legal name ; therefore this was suspicious to them and it was a " Business decision '' by Discover to close the account. I asked why they didn't contact me to confirm that this was actually me, and she informed me this is not how Discover operates. I continued to ask her what we are to do without any money for the next three months and she had no resolve ; stating " it's out of my control. '' Action taken by Company : None. They have not reached out to resolve and they are locking down all funds we have for the next 90+ days without any alternative options.
Complaint sub-issue: Debt was paid

I did an Voluntary Return of Merchandise to CONN 's on  XX/XX/2018 because the Company was deceptive and put unauthorized charges ( insurance ) on the account. Two men came to my house and pick up the TV and Sound system on XX/XX/2018. Now a year later CONN 's is Harassing me with letters from Attorneys stating I owe for Merchandise that was return to them on XX/XX/2018. They have continued to show delinquent account on my credit report for monthly payments which are no longer due since the merchandise is not in my possession. I have sent them letters, filed a complaint with XXXX XXXX and have recently disputed the report to my credit report they have yet to get this corrected.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A miscellaneous company did a hard pull on my credit report, and I have no idea who they are and did not give permission. The name is cbcinnovis.
Complaint sub-issue: Information belongs to someone else

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is requesting information to verify my identity. This information was sent to them on XX/XX/2022, complaint # XXXX. This seems to be a stall tactic with the credit bureaus. They are reinserting information without my knowledge and not following the law according to FCRA.
Complaint sub-issue: Can't decrease my monthly payments

I had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.
Complaint sub-issue: Their investigation did not fix an error on your report

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Telephone XXXX DATE OPEN XX/XX/XXXX credit limit {$4200.00} charge off XX/XX/XXXX {$3900.00} Discover Bank has stolen my Identity and created securities in my name with out my consent.
Complaint sub-issue: Report improperly shared by CRC

On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.
Complaint sub-issue: Old information reappears or never goes away

I sent in a letter to update my personal information and i would like to delete all old information like my name and addresses.
Complaint sub-issue: Attempted to collect wrong amount

These accounts should be closed and removed from my credit report. It is harassment and XXXX. People just like hating me and my family and XXXX us, they all enjoy it. Having us homeless so they are not. It has been all my life in this country.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX XXXX : XX/XX/XXXX -XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Hi there, Since XX/XX/2018, Ive been attempted to get on a income based repayment plan or a pay as you earn plan and Ive been repeatedly denied, forcing me into deferment. I just want to have a payment I can afford and I read an article today publicly disclosing that the US department of education is denying requests like mine. This is hurting my ability to make payments and I am counting on your help. Thank you. 

Sincerely, XXXX
Complaint sub-issue: Debt is not yours

Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX  ) and the debt collector. 

I need to see any documents in its original form bearing my signature. 
I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested. 

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
Complaint sub-issue: Problem during payment process

I was shocked when I reviewed my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe that I had may my payment to you when I received my statement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY REPORT : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXER BANK - SXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { EQUIFAX } }!!!! EQUIFAX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! EQUIFAX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL EQUIFAX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS EQUIFAX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018 I was charged XXXX by XXXX I called Citibank to tell them that the charge was fraudulent and did not receive the product as it was described. I was told that I would receive conditional credit. However, I just received a letter from Citibank stating that that my conditional credit to my account is being rebilled and any related fees and interest charges will be added. I stated to Citibank that I did not receive the items and they were described and did not agree with the charge on my credit card. Now on a letter dated XX/XX/2018 my credit card is being rebilled. This is not fair to me the consumer when goods and services were not delivered.
Complaint sub-issue: Personal information incorrect

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In  accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

We received unsolicited marketing emails from a scam company after opting out of publicizing our credit report and mortgage applications from the following company : XXXX XXXX XXXX The company 's principal address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Best Buy Account # XXXX In short, I purchased a television with an extended warranty. Best Buy was unable to repair the television so they agreed television back and credit my account accordingly. This was never properly done resulting in a credit default. Best Buy has countless notes reflecting our conversation and have since informed me that they are no longer handling this account.

After multiple escalations within the credit department at Best Buy I was assured that the account has been settled. I have recently received communications from CITI stating that my credit has been negativly impacted and I still have an outstanding balance. 

This account has been forwarded to the following two collection agencies : CITI XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Account # XXXX Again, Best Buy has countless recorded conversations confirming that this debt was paid in full. They also have notes reflecting a XXXX balance.
Complaint sub-issue: Fees charged for closing account

excessive closing penalty CD fully matured on XX/XX/2022 Requested that account be closed on XX/XX/2022 Bank charged penalty because account was not closed within 3 days of XX/XX/2022 My position on this account is that I should only forfeit interest earned after XX/XX/2022 the bank has instead cancelled all interest earned prior to XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding XXXX XXXX which you claim chargeoff {$310.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Information belongs to someone else

Equifax credit bureau has had my identity theft information since XX/XX/2018 and all verifying information. I sent the same inforamtion to experian and transunion and they have rectified the problem in accordance with the fcra. Equifax refuses to remove the fraudulent information. I have spoken with the colleciton companies and submitted the fraud information to them as well and they have told me that they are not reporting the fraudulent items. Equifax has had well over the alloted time and has not updated the credit reports even though it is not being reported by any collection companies. They have not in any way investigated and removed the items. They are as follows, XXXX XXXX/fraudulent, XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent. I have faxed, mailed and called equifax they have refused to update the fraudulent information.
Complaint sub-issue: Didn't receive terms that were advertised

To whom it may concern, I would like to file a complaint regarding an unfortunate issue I had with opening a priority checking account with Citi Bank. In XXXX, I received some promotional offers from Citi for opening a priority checking account. The terms on the offer states that if I maintain a balance of XXXX for 60 consecutive calendar days, I would receive a bonus of {$700.00}. I opened the account on XX/XX/XXXX and made the deposit of $ XXXX into the account on XX/XX/XXXX. 

As of XX/XX/XXXX, about 91 calendar days after the deposit, I haven't received the opening bonus so I called Citi Bank trying to resolve the issue. I was told by Citi Bank that I had to wait an additional 90 days after the 60 consecutive calendar days to get the opening bonus, which was not presented in the online offer. This took my by surprise that a requirement like this should be presented clearly to the new customers. This is not a good practice to attract new customers to open accounts with Citi Bank. 

Thanks for looking into this matter.
Complaint sub-issue: Problem with statement of dispute

I was a victim of identity theft on or about XX/XX/2016. At that time, I got a bill from XXXX for new cell phone service and an iPhone. I have never had service with XXXX and have never owned a personal iPhone. I contacted XXXX and filed a fraud report. I reported the fraud to my local police station as well. XXXX quickly determined the charges against my credit card were fraudulent and relieved me of any responsibility for payment. 
I initiated credit monitoring with Equifax in XX/XX/2016 after the identity theft incident. I noticed XXXX had run a credit check on me pursuant to the fraudulent phone and service purchase. I spoke with an Equifax representative regarding removal of the credit report. He told me that XXXX would need to contact Equifax to confirm that the credit report had been run pursuant to fraudulent activity. I called XXXX and their representative said that this information had already been provided to Equifax. However, when I spoke with Equifax, they said XXXX had never contacted them and that they would not accept a letter I had received from XXXX as proof that the credit check had been run as a result of fraud. I called XXXX back and they said that since they had already provided the information to Equifax, they would not do so again. I disputed the report with Equifax but they refused to remove it.
Complaint sub-issue: Debt is not yours

On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Complaint sub-issue: Information belongs to someone else

I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.