Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is XXXX, as I was affected by a XXXX XXXX XXXX when I applied for a credit card back in XXXX. Second, XXXX XXXX XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the Equifax XXXX XXXX that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX XXXX XXXX XXXX XXXX has XXXX informed to a XXXX XXXX with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX XXXX card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the Equifax XXXX XXXX and the XXXX XXXX XXXX from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX and XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the Equifax Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims XXXX from the Equifax Class Action Settlement. I am seeking punitive damages due to the inaccuracy of XXXX ) invalid, not applicable denial reasons that do not apply to my credit history since these XXXX data breaches still have NOT BE RESOLVED of an unspecified amount.
Complaint sub-issue: Debt is not yours

About one year ago, The Bureaus placed a collection on my credit report. This was originally a XXXX XXXX card, that was a XXXX store card. My father in law, XXXX XXXX opened the account soley, and only listed me as an authorized user. I did not sign for the card. 

My father in law passed away on XX/XX/XXXX. I was not notified of the balance on the account until this was placed on my account. I disputed this with XXXX, and XXXX XXXX and the company responded that the debt was valid. 

I called the number on my credit report associated with this debt. I did not reach the Bureaus, but reached XXXX XXXX. They stated they are a third party communicator for the Bureaus. I have 21 documented phone calls to this company requesting proof of signature to show I did not use this account. They stated on several occasions that they had requested this information from the Bureaus but it was never sent back. I then requested the original signature card to prove I didn't open the account or sign for anything. This has been requested twice, the last time being XX/XX/XXXX. I still have not received this, and XXXX XXXX is so frustrated with me calling that they gave me the number to the Bureaus. In the past, when you call the Bureaus, the phone loops you right back to XXXX XXXX. 

I have called the Bureaus 8 times in the last two weeks to obtain the signature card that was requested and never supplied, which violates the FCRA. They hung up on my twice, transferred me to XXXX XXXX twice, and never returned my calls. 

This invalid debt has stopped my refinance on my home. I have tried to resolve this several times under the law to no avail. I have requested proof of debt, and have requested the original paperwork when the account was opened even from XXXX XXXX. They stated they no longer have the documentation as the account was sold over 4 years ago. 

I have just disputed this with XXXX  again, in hopes to get this corrected. I have followed all the rules, and have asked for documentation under the law. I have requested transcripts of recorded calls from XXXX XXXX, and have been told that I they can not release those. 

I am desperate to have this resolved. I supplied my father in laws death certificate to both collection agencies, and XXXX XXXX acknowledged that my name NEVER appeared on any statements, but refuses to send me a transcript of that phone conversation. They also refuse to send me transcripts for the calls in which I requested information that was NOT supplied within the 30 day period under the law.
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {XXXX XXXX XX/XX/2022
Complaint sub-issue: Information is not mine

I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014
Complaint sub-issue: Reporting company used your report improperly

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Account status incorrect

We had noticed that our Macy 's card was past due, and we have been greatly affected by coronavirus. As soon as we realized that it was past due, we reached out to Macys. Around XX/XX/XXXX, my wife called Macys Store Card customer support to pay off the credit card that we had past due. They had proceeded to inform her that my account was only 37 days past due and that the late payment would not be reported to the credit agency. 

Later in the month, I received a notification from my XXXX XXXX saying that I was 60 days past due. I was surprised because my wife made me aware of the situation and that everything should be fine considering that the account was only 30 days past due. I called Macy 's myself and I was told that I was actually 60 days past due and that they could not remove the report from my credit, even though my wife was misled by the representative on the phone about the actual status of my account. 

In addition to that the agents I spoke to admitted that someone that was not on my account should not have been provided information about my account and should not have been providing information about my account status. Not only did Macy 's store card customer service provide information to an unauthorized party, they provided incorrect information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fraudulent charges not taken off the card after i followed all protocol citi customer service has blocked issued and was suppose to take them off of my card and all XXXX dollar return fees are still being XXXX  and my credit report is still not fixed.
Complaint sub-issue: Account opened as a result of fraud

Im the victim of identity theft and I dont recognize the account Discover Bank is reporting on my XXXX and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Onl y  XXXX  that sho uld be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only   XXXX   that should be on their is   XXXX   XXXX   XXXX   XXXX
Complaint sub-issue: Personal information incorrect

I have notified Equifax via fax and mail numerous times and they keep refusing to investigate this without the proper identification which I also have included and I am attaching this to and I and I have once again mailed and faxed on today XX/XX/XXXX. I was born on XX/XX/XXXX. Somehow they have my birthdate as XX/XX/XXXX. I know I turned XXXX this year and all my records show that I am XXXX but they refuse to change it and my other creditors are giving me trouble over it too because they are accusing me of lying on my credit applications and I have had to mail them proof that I have not lied, The credit bureaus should not be allowed to change this type of information because your birthdate is something that never changes and they are bad for this. I am attaching a copy fo what I have sent them. I dont appreciate them ignoring this information and refusing this but this is not the first time that I have had trouble like this. They even have accounts on my file that show me as an authorized user that I have asked them to remove, by law they are not supposed to report negative information of an authorized user such as XXXX account but most importantly is getting my birthdate corrected.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX.
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 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-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: Reporting company used your report improperly

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information is not mine

I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have
Complaint sub-issue: Can't use card to make purchases

I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/19 PNC Bank charged me an overdraft fee three times despite the fact that my account had a positive balance of {$19.00}. Those three fees ( {$36.00} each ) caused my account to be overdrawn, which then resulted in a cascade of additional fees, totaling {$390.00}. My account is now overdrawn {$680.00}, with {$390.00} of that being fees charged by PNC. PNC refused to refund the fees when I contacted them.
Complaint sub-issue: Information is not mine

I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.
Complaint sub-issue: Problem getting a working replacement card

I am in a serious health condition and my husband is XXXX of XXXX XXXX. Obviously, I am stressed to the XXXX. I XXXX XXXX and in the midst of one, dropped my card in one of my many boxes. IT IS NOT STOLEN and I am not concerned about that because I know I will eventually find it. I called and explained this to a customer service  representative, XXXX, with CitiBan

k and she assured me she would send me the same number, no problem, and expedited delivery. I spoke NO ONE nor did I do anything via non-verbal sources. It was important that I get the same number for many reasons ... I have many auto-pays that would need to be changed and a couple of the companies I purchase from will not credit for any returns unless I have the credit card in hand. They will give me a store  credit. That would entail a lot of money in credit that I can't afford to do.

Today, I received the replacement card and NO ONE COULD HELP ME because they said the other card was CANCELLED and could not be replaced now. That is NOT what was agreed to with their representative and I took copious notes to that affect. I XXXX XXXX XXXX XXXX XXXX XXXX and learned I need to always take copious notes! 

This has put me in such a stressful state with all I am going thru that I actually had to be sedated so I didn't go into XXXX. I am upset because ( 1 ) they didn't do what was explicitly agreed to and ( 2 ) they  say they can't ( won't ) be able to correct it. 

Very upset customer..
Complaint sub-issue: Account information incorrect

To whom or what this may concern, but the information on my credit report is completely inaccurate. Equifax shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and XXXX  have different information as well. XXXX  shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.
Complaint sub-issue: Threatened or suggested your credit would be damaged

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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: Old information reappears or never goes away

XXXX XXXX XXXX, XXXX XXXX XXXX etc are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX  attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX  ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
Complaint sub-issue: Information belongs to someone else

XX/XX/22, I am very upset with this matter. I sent letters, and police reports via mail regarding fraudulent inaccurate account on my credit report. I also faxed in letters and police reports to Equifax. I feel like Equifax is taking advantage of me by ignoring my disputes and not removing inaccurate account from credit report even after I've provided proof multiple times. Section 611 ( a ) states that failure to investigate these items within 30days gives a reason to immediately remove promptly but month after month Equifax has yet to do so. Due to that law I researched, I demand this account be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at this point. Please help me.
Complaint sub-issue: Information belongs to someone else

Equifax Information Services, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed
Complaint sub-issue: Problem with rewards from credit card

XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money
Complaint sub-issue: Old information reappears or never goes away

I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit planas as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( XXXX : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( XXXX  : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( XXXX  : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences XXXX XXXX XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.
Complaint sub-issue: Debt is not yours

Hunter Warfield, Loan Claim was disputed with XXXX Credit. I have never had, any verbal or written agreement with this firm for any loan. I have never had communications with anyone at this firm for a loan or received a loan from Hunter Warfield, who refused to removed this false claim from my credit report. 

Company : Hunter Warfield : Account Number : XXXX Loan Amount : {$27000.00} Hunter Warfield XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Complaint sub-issue: Can't stop withdrawals from your account

My small business account in Florida with XXXX XXXX was wrongfully levied on XX/XX/XXXX in the amount of {$9500.00} by Zachter PLLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX NJ XXXX XXXX, XXXX, XXXX, www.zachterlaw.com My Business bank account number appears on Marshal 's Docket # XXXX / Court Index # XXXX. I am not named, not associated or have any business dealings with this case and I was never served any notice in regards to my bank account named in this case. My wife and I have tried to reach the attorney 4 times via phone calls and emails as pursuant to the XXXX Marshal 's Office to resolve this matter immediately to no avail. 
This has created a great deal of hardships for our small business and to our credit.
Complaint sub-issue: Reporting company used your report improperly

An accordance with the Fair Credit Reporting act 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