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

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX 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 heck 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 XXXXThis 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 70 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Also by XXXX XXXX on XX/XX/XXXX. I do not recognize these inquiries and it should have been removed from my Equifax consumer report. I contacted the inquirers but they have failed to remove the inquiry from my consumer file yet. I also contacted Equifax regarding these inquiries and they have not removed them yet as well.
Complaint sub-issue: Problem with rewards from credit card

I had an account with US Bank XXXX XXXX, which allows me to redeem points into airline travel credit. On XX/XX/XXXX, I redeemed a flight with my daughter for a college visit with my points from XXXX to XXXX on XX/XX/XXXX. I received a travel confirmation ( see attached ). Later in XXXX, I closed my credit card account. 

Five days before the trip, I received a call from the credit card 's travel agency, stating that the trip was overbooked and was not able to be ticketed. They asked me to call them back to rebook. 

When I called them back, they said that they could not do anything until they can verify the credit card, and transferred me over to the credit card department. The credit card department of US Bank then told me that the account was closed, but they would talk with the Travel Rewards department to help me. The credit card department then informed me that the Travel Rewards department could not do anything and the trip would be forfeited, even though they were the ones that called me to inform me that the committed trip could not be ticketed. 

Essentially, they sent me an email confirmation of the ticket booking, but did not actually book the ticket. Then when the ticket could not be booked five days before the travel was to occur, they cancelled my trip and refused to give me credit for the redemption. Each department, within the same company, used the other as the scapegoat. 

The reference number for the call with US Bank is XXXX. 

Now I have lost the value of the two tickets from XXXX to XXXX XXXX XXXX, and will have to purchase two tickets with 3 days notice, which I'm sure will be very expensive. I'd like US Bank to at least refund me the value of these new tickets, or at least the value of the original tickets, which were about {$250.00} each.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Information belongs to someone else

This complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following accounts :, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX OnXX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will be forced to file for litigation due to the stress you caused me.
Complaint sub-issue: Other problem getting your report or credit score

XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was Equifax.   Equifax  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX   Score  of  XXXX  I pay Experian for my monthly score, they reported  XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?
Complaint sub-issue: Threatened or suggested your credit would be damaged

This collection account is not mines. I asked for Verification that there is a valid basis for claiming I am required to pay the current amount owed from the collection company to no avail.
Complaint sub-issue: Problem getting my free annual report

I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

I filed a fraud alert to Equiax to remove this account off of my report. Equifax removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.
Complaint sub-issue: Company closed your account

Dear Sir / Madam, On Friday XX/XX/XXXX I learned that my XXXX XXXX AAdvantage frequent flyer account ( # XXXX ) had been 'locked ', meaning that I was unable to redeem miles from my account for award travel, or any other purpose. At this time, my frequent flyer account holds XXX, XXX Available award miles. At a valuation of 1 cent / mile ( which is what the Aadvantage program miles are valued at for tax purposes ), this translates to a corresponding value of {$270.00} for the award miles in my account. 

Upon calling in to the AAdvantage customer service phone number ( XXXX ), I learned that I was supposed to wait for an email message from XXXX XXXX Corporate Security, but was not informed why I could not access my award miles, or what the reason was for being denied access. It should be noted I had not ever engaged in activity expressly forbidden by the Aadvantage terms and conditions such as sale or barter of AAdvantage mileage. I have repeatedly called in to the AAdvantage customer service phone number but was never informed of what was going on. I was informed that XXXX XXXX Corporate Security was 'not customer facing ', which means that it is not possible to communicate with XXXX XXXX Corporate Security for an Aadvantage program member, despite what happened. 

I learned from online social media that many Aadvantage accounts that had award miles deposited from credit card signup bonuses were locked. In fact, the one thing that appears to be common between these accounts is that they all had mileage that was obtained through credit card signup bonuses. At least some of those accounts were terminated, meaning that all mileage earned over the lifetime of the account was forfeited. My Aadvantage account also contained mileage that was obtained through credit card signup bonuses. It should be noted that earning bonuses from Aadvantage program partners such as Citibank is not against the terms and conditions of the Aadvantage program. 

On XX/XX/XXXX, I received an email from XXXX XXXX CorpSec team notifying me that my account has been permanently SHUT DOWN, meaning that I no longer have access to my XXXX points. On top of that, my flight tickets were cancelled for my trip to XXXX in XXXX of XXXX. This includes flights from XXXX -> XXXX -> XXXX -> XXXX -> XXXX, which is a total of XXXX XXXX points ; a cash value of {$4000.00}. 

I ask that full access to my Aadvantage frequent flyer account is restored, and my ability to redeem award miles for travel or any other purpose is restored without restrictions. I also ask that access will not again be restricted when no violation of the Aadvantage program terms and conditions took place. Alternatively, if my account can not be reinstated, then I would ask for a cash-value of the points that would have been in my account, which would be {$4200.00} ( XXXX points ). 

I thank you in advance for your kind assistance. 

Sincerely, XXXX XXXX P.S. apologies for formatting/spacing.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Complaint sub-issue: Personal information incorrect

Disputed my name on credit report for it to be removed and listed correct
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!
Complaint sub-issue: Account information incorrect

Equifax reported on my annual credit report incorrect information. They wrote that I had a high balance of {$920.00}, at XXXX credit card from XX/XX/2018 to XX/XX/2018. My credit limit is {$400.00}. I called XXXX and they verified Equifax was wrong in this part of my consumer report. XXXX is mailing me proof that Equifax is wrong.
Complaint sub-issue: Debt was paid

On XX/XX/2018, US Bank issued me a letter titled " Notice of Right to Cure Default '' with terms as follows : pay total amount due of {$160.00} by XX/XX/2018 and " the cardmember agreement will be as though I was never late. '' On XX/XX/2018, as acceptance of this offer, I paid the requested balance of {$160.00}. I was informed to not make any payments on the account during the fraud investigation, which I did not request ( and they claim they have a written signed statement that I did ), and US Bank refused to provide me requested documentation of the fraud investigation ; they have still not fulfilled this request. Immediately following the fraud investigation, US Bank placed my account in default.

US Bank has failed to keep their end of the agreement regardless of my multiple calls and requests. They have not removed the previous late fees as stated in the agreement and in addition, have added two more additional late fees. 

Because the account was under fraud investigation for several months with my access blocked to the account, I was not allowed to make a payment for a few months. The agreement clearly stated that the account will be considered as having never been late. Therefore, based on their offer and my payment as acceptance of this offer, US Bank is under obligation to remove the previous late fees : XX/XX/XXXX {$26.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$33.00} ; and any and all associated interest on such balances. 

I also request that any and all reporting the credit reporting agencies be corrected as indicated in the letter and offer : the account was never late.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was paid

They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX XXXX card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and Equifax reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Confirmation No. XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Funds not handled or disbursed as instructed

Through CFPB my XXXX checking account was successfully reopened back from XX/XX/21 complaint XXXX. 

I qualified for the {$250.00} Direct Deposit Bonus as well as the {$25.00} Savings Goal bonus once my account had been reopened. I never received the bonus and my account again was closed but this time due to inactivity. 

I spoke with XXXX XXXX, XXXX line Support Team Supervisor, ( XXXX ) XXXX back in XXXX about the {$270.00} bonus I never received and was told by him there had been many errors on numerous accounts regarding the bonuses not attaching to the account and my account was one of them. Since my account had been closed for inactivity, whereas it had been active since I made several direct deposits into the account ; he apologized for the mishap and said he would have a check for {$270.00} cut and mailed to my home since it could not be placed into a closed account. He also said he would get back to me within 72hrs and if he did not for me to contact him directly. 

Unfortunately, he never contacted me back and I have attempted to contact him and leave messages on his voicemail several times in regards to this matter ; I still have yet to receive a callback nor the check for {$270.00}. I have also contacted the customer support line twice since my failed attempts of contacting XXXX. I first spoke with a young lady named XXXX XXXX who said my check was on the way. This call took place back in XXXX and here we are in XXXX still no Check. I called again today and spoke with another customer support team who tells me they see everything in the notes regarding my account and the {$270.00} should be sent to me but XXXX XXXX is the only one who can handle it. The CSR said he would email him letting him know I am still waiting for this situation to be resolved and a callback from XXXX. Still no call back and I personally don't think I will receive one. 

This is very disturbing and has been a long drawn process to receive what I earned. 

Please help. 

Thank you
Complaint sub-issue: Problem getting your free annual credit report

Hi, While trying to retrieve my free annual credit report from the three credit reporting agencies I 've consistently had insurmountable problems with Equifax. Every time I attempt to retrieve my report they state there is some error and refer me to using the regular postal mail. This time it was even more frustrating. I managed to enter Equifax 's dispute page for the first time and as I was correcting obviously inaccurate information as I hit the " submit dispute '' button the system kicked me out and then would not let me re-enter the page. Then once again it referred me to postal mail to correspond. As I had already passed the automated verification I know it was'nt a matter of me submitting incorrect verification information. 

This consistent hinderance to simple access is very annoying and it really feels like there is a flaw in their automated systems. 

Please let me know if there is anything I can do to correct this.