Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXXXXXX the above 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 an 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 or 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: Was not notified of investigation status or results

XX/XX/XXXX I sent in a dispute letter regarding inaccurate and unverified accounts on my consumer credit report and still I have yet to receive any response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. To my knowledge according to federal law, it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and XXXX have got into the wrong hands. My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf plus these accounts are inaccurate and unverified. I am willing to settle this matter without any admitted liability. I am demanding deletion from all consumer reporting agencies.
Complaint sub-issue: Information belongs to someone else

On my Equifax report are unauthorized credit inquiries in which I called the companies who reported them majority of them besides  XXXX  which did remove it said they ca n't not because I do n't have an account with them and that it 's no way for me them to find me. So I called Equifax since they are the ones who told me to call the companies, I told them what the companies stated. Even though I am telling Equifax that I did n't authorize the following Credit Inquires they keep telling me that they are factual even after I placed a fraud alert on my credit. How can you say something is factual when I am the person who credit report they are on and I 'm telling you that they are not I did everything you told me to do the fraud alert contact the companies who made them and still you will not remove them.     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: Problem with personal statement of dispute

XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I received a direct deposit of my federal tax return on XX/XX/2021. On a cash app card and the app on phone i had just opened. Cash app through emails are saying they did not receive or reject this amount of money on my card or account number. XXXX dolars was the smount. I do not owe taxes, have a off set, or child support. This was for a recory of the 2 stimulus payments that went out. They have no answer for me and federal government is saying they deposited these funds. XXXX is who was emailing me. With no answer. Also checked return bank info was correct
Complaint sub-issue: Account information incorrect

I got sick with XXXX  and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!
Complaint sub-issue: Problem making or receiving payments

I need to link my PNC account to XXXX  so I can set it up to pay my rent online
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have been a Citibank costumer for the past XXXX plus years. I was recently the victim of bank fraud in the form of XXXX stolen checks. Thanks to a very supportive and resourceful employee at my local branch I was able to recoup the amount of XXXX of the checks fairly quickly. Getting back the second check 's funds ( {$2100.00}, made to XXXX XXXX, cashed XX/XX/2022 ) however, has been a nightmare. Citibank maintains they are fully insured against fraud, and that this check is part of the same problem we had with the other one, but they have refused to issue provisional funds to my account while they conduct the investigation. In fact, they been stalling me for XXXX plus months -telling me that the process is now in the hands of XXXX XXXX XXXX -a financial institution I have no relationship with whatsoever, and that therefore has no interest in resolving the matter. When I call Citibank costumer service for updates they tend to be not only unhelpful, but rude and dismissive. The paperwork I receive, via e mail ad snail mail, on the case is irrelevant or, even worse, promotes Citibank 's other services. The personnel at the branch, on the contrary, tries to help. But all their promises to follow up go nowhere as it turns out they really have no direct access to details of what is going on and to the person charged with investigating my case. They are powerless by design, just like I am. In the middle of this Kafkaesque corporate scenario, I have been paying bounced checks penalties ( the account had to be closed so payments that were out were rejected ) and late payment utilities fees, while XXXX XXXX is charging me interest on the missing {$2100.00}. It's really hard to believe that the financial institution in charge of protecting my funds and my interests is doing such a poor job at both. The functioning of their fraud operations seems hill conceived to the point of adding burden to the victim, rather than helping her/him restore what was stolen.
Complaint sub-issue: Trouble with how payments are handled

This is a totally unacceptable response to an issue I have been working on resolving with AES for 6 months. This company should be investigated by not only the justice department but the entire student loan program should endure congressional investigation. 

ResponseThe response to your Consumer Financial Protection Bureau inquiry from American Education Services/Pennsylvania Higher Education Assistance Agency ( AES/PHEAA ) is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Equifax end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I called XXXX  to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one on XX/XX/XXXX. I have verified this with Equifax.

I began calling XXXX  and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called Equifax and was informed that only the company can resolve it.

After many more unsuccessful calls to XXXX, I was put in touch with XXXX XXXX  in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX  at XXXX indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( Equifax ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX at approximately XXXX EST, I contacted Equafax 's Fraud Department. I spoke to an agent by the name of XXXX ( agent ID XXXX or XXXX ). I let her know that I was calling regarding a transaction I did not recognize on my report by XXXX from XX/XX/XXXX. She told me that she was not able to remove the account. I let her know that I am very well aware of the laws of the CFPB and FCRA regarding removing inquiries that are unknown/unrecognizable. She proceeded to tell me she would not remove it and that XXXX had to remove it. I let her know that I spoke to agents at XXXX and XXXX and that they gave me no issues after they understood my complete knowledge of my rights. She refused to put in a dispute and I was not going to go back and forth with someone who doesn't understand the laws that are part of their job.
Complaint sub-issue: Information belongs to someone else

Hard inquiry on my credit report with Equifax for XXXX XXXX on XX/XX/2018. I have no requested any product or service from XXXX to result in a hard inquiry. Unknown how my information was obtained by the company. Have requested it be removed from my credit report on several occasions, including with Equifax and the item in question still remains. I have never done business with XXXX nor do I have any intentions of doing so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter report that I filed as well for Identity theft.
Complaint sub-issue: Reporting company used your report improperly

Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX O XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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 XXXXL 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, please delete remove the unknown addresses.
Complaint sub-issue: Was not notified of investigation status or results

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil
Complaint sub-issue: Account information incorrect

I was shocked when I seen my credit report and seen late payment for the three months listed below ... 

XX/XX/2017 XX/XX/2017 XX/XX/2017 I recall making payments to CITI Bank, but not 30 days late. I have asked the credit bureaus to review this information to make sure it is right. I recently pulled my credit report again and the late payments are still showing on my credit report. No one had showed me that I was indeed 30 days late. I feel that my request has gone unheard.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute SEARS/CBNA Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but SEARS/CBNA continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I purchased TV service from XXXX XXXX in XX/XX/XXXX, for {$74.00} per month. The service was to include their 250 channels plus XXXX XXXX. I paid the install fee with Citicard of XXXX XXXX, SD. No other charges were authorized. I paid the monthly charges with another credit card which had no association with Citicard. In XX/XX/XXXX I found that XXXX had blacked out 55 % of the 250 channels, but had received no reduction in charges. Since I was not under a contract, on XX/XX/XXXX, I cancelled the XXXX service. XXXX claimed that I owed an early termination fee of {$320.00}. I advised them that I had not agreed to a contract, nor had I signed a contract. In fact, I had never seen their contract. I refused to pay the charges. Because I did not trust XXXX, I telephoned the bank that had been paying my monthly charges, and instructed them to decline any further charges from XXXX. They complied. However, XXXX found in their records where I had paid installation charges from Citicard. They filed the charge with Citicard, who initially paid the charge. When I learned of the deception, I informed Citicard of the forged contract that XXXX had created and instructed Citicard not to pay the XXXX charge. Citicard then reversed the payment to XXXX and purportedly began a half-done investigation. Without talking to me, Citicard decided to pay XXXX, even though I provided Citicard proof that XXXX had forged my signature on the supposed contract. Since then, Citicard has tried to collect the XXXX charge from me. This is how Citicard treats customers who has been doing business with them for 22 years, paying every statement in full and on time.
Complaint sub-issue: Attempted to collect wrong amount

The company is reporting as new debit and not reporting it to the credit agency as continued date the account was originally opened in XXXX with XXXX XXXX and they are reporting this as current date as of XXXX. I have called and they admitted that the the original date of the debit is XXXX and its not on the end its the credit agency. I have called both them and XXXX  to get this resolved and keep getting anywhere> This is fraud and what they doing is illegal under the guidelines of the fair credit act, they can not change dates and names of the debit owned. Also the amount is wrong as well.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by XXXX that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given XXXX the correct information. This was done some years ago and they have once again created the same issue. XXXX  has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. 
I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. 
On XX/XX/XXXX, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/XXXX, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/XXXX, I spoke to XXXX, who stated the file was being sent to maintenance. 
XX/XX/XXXX, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on XXXX part and they would have to correct it. I was also told that XXXX was not going to call the creditors ; they would just send the information that was disputed. XXXX  has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. 
XX/XX/XXXX, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.