Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to my credit report.
Complaint sub-issue: Personal information incorrect

Request XXXX  to remove me from their credit reporting. Name spell wrong, DOB wrong. Address wrong
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I filed a complaint previously on Saturday, XX/XX/2021. Citi had lowered credit limit on Citi Costco card. On XX/XX/2021, I received notification from Citi that the limit on my Double Cash card had been lowered from {$6600.00} to {$300.00}. I had recently paid off credit card so it would report available credit. This card like my other had the limit lowered a few months earlier. Thus, yet another unfair negative report from Citi. 
I still think a class action suit is in order here. Citi is feeling at risk because the pandemic has got them scared. I have not missed a payment or ever paid only the minimum.
Complaint sub-issue: Attempted to collect wrong amount

I work for this company. I am filing this complaint on behalf of the customers with Merchants Preferred and XXXX. These companies are violating several laws. Merchants Preferred is taking payments days early without letting the consumer know. And XXXX has customer calling about unlawful acts that their workers are doing to the consumer. I don't know who to contact to try to stop these unfair acts. What needs to be done so that these customers are treated fairly.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My wife contacted Equifax yesterday regarding some fraudulent hard inquiries and inaccuracies on her credit report. The agent was very helpful and took the hard inquiry disputes without a problem. Today, less than 24 hours later, I am attempting to dispute the SAME hard inquiries listed on my account. I have spoken to 3 different representatives, supposedly 1 was a supervisor, and NONE of them will accept my dispute. All 3 agents claimed they were unable to dispute the information. I asked them if the policy has changed within the last 24 hours and I was told no. Each agent claims that hard inquiries are not disputable. I asked the agent to pull the dispute number provided to my wife so that they could verify that the information is the exact same accounts and can in fact be disputed. She pulled the file and still said these accounts are not disputable. I asked her for the name of the agent who handled my wife 's file. I was told they could not give me that information, even though the information has nothing to do with my wife 's file and is just the agent 's name. I then informed her that I would be filing a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. I asked the agent to please connect me to the same agent that handled my wife 's case. The agent told me she was transferring my call but not to that agent. About 5 minutes later an agent named XXXX got on the phone. XXXX was very helpful and promptly disputed the hard inquiries. I believe he was the same agent that handled my wife 's dispute 's the day before. I highly recommend XXXX!!
Complaint sub-issue: Account information incorrect

XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XXXX and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/29 I have called XXXX XXXX XXXX to settle this debt & paid it in full. 

Once I got the receipt in the mail from them, I disputed the collection through Equifax TWICE with proof of transaction through Credit Card statement as well, and it still keeps coming back verified! Please help me get this deleted. By law through the Fair Credit Reporting Act, I have the right to challenge anything that isnt accurate and I'm needing your help with getting this fixed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.
Complaint sub-issue: Reporting company used your report improperly

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Complaint sub-issue: Information belongs to someone else

MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Complaint sub-issue: Problem with fees

A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Complaint sub-issue: Information is not mine

I have contacted Equifax on several occasions to inform them that several accounts does n't belong to me thatsreporting on my credit report and to remove these accounts and all negative remarks from my Equifax credit report, but they have refused to do so. I disputed these items via online and mail with Equifax and they refused to remove several accounts from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Application denied

Credit card applied for through my bank, application was denied. I did not apply for a credit card.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I have the PNC Smartaccess card. On XX/XX/XXXX a purchase was made for {$440.00} that I did not authorize. I called the same day and reported this charge and had a dispute started. I called everyday since to try and receive my provisional credit that is due to me, but was told each time that it either denied and I had to wait, or that my concern would be escalated for hardship as I couldn't pay my bills with that much money missing. Upon reading my terms and conditions of my card it states that if their investigation was not competed within 10 business days, they WILL provide a provisional credit. After being told my terms didn't say this, I read word for word what they said, and upon looking they admitted I was right, yet still refused to issue my credit. I am currently on my 14th business day however. Yesterday I went into the branch and spoke with the branch manager Pam Peoples of the PNC branch on the corner of XXXX and XXXX XXXX. in XXXX, FL, who tried to call and help me. We spent 3 and a half hours on the phone getting the run around and transferred to 15 different people. She stated to them how they were legally obligated to give me the credit due to Regulation E, and it being in my terms and conditions, but they continued to evade it. All I want is my provisional credit, but they continue to evade me, making it impossible to pay my utilities for myself and my children. It's a legal obligation and it's in black and white in the agreement I signed with them. My next step is legal action as at this point they are breaking a contract and basically withholding my money from me, which is theft.
Complaint sub-issue: Account status incorrect

I have had my student loans dismissed because of my XXXX. I called Educational Credit Management Corperation ECMC XXXX and inquired about this loan because according to my credit report these loans were opened on XX/XX/XXXX in the amounts of {$1900.00} {$1300.00} {$4600.00} {$2500.00} and they are reporting this as paid collection charge off.I questioned it because I know for certain I didn't open a loan during that time. I called to inform them that this account might be fraudlent because I am a victim of the equifax data breach. I called and spoke to a represesntative who stated that I opened these accounts in XXXX and that the date opened that I see is actually the date my account defaulted on my loans. I informed the representative that they were illegally and knowlingly reporting misinformation to the credit bureaus. This company has been doing this for years knowing that if they reported the correct date they wouldn't be able to report that account as a charge off and that payment information wouldnt be impacting my credit negatively. This affects the age of my credit file as well. I have my primisory notes as well these loans were discharged by the federal government because of 34 CFR 685.213 - Total and permanent disability discharge I fall under veteran part of this. I became XXXX XX/XX/XXXX and they have been reporting this information since then. I am trying to buy my first home and have worked very hard to clean up my credit with no help from any agencies or lawyers. Since I've been doing this now my file is very limited. I can't even get a credit card because of so many charged off accounts and how recent they are. The customer representative said that these would stay on my report until XXXX even though I just informed her that the company was reporting misinformation to the credit bureau. I have contacted the credit bureaus about this to clear it up but this company is doing some illegal practices.
Complaint sub-issue: Information is missing that should be on the report

I am filing a complaint against XXXX. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by 7 points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. XXXX is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.
Complaint sub-issue: Information belongs to someone else

I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying for several months to get Equifax to lift credit freeze they put on my accounts by mistake.I can not reach a live person at the company. I can get a plain English answer or solution. Today, and this was not the first time this happened, I got TWO letters in the mail from Equifax. One o them said they had permanently lifted the security freeze. The other said they had permanently placed a security freeze on my account. This is maddening. I want the freeze lifted. Permanently. As I stated, this is not the first time I received two contradictory letters the same day ; I have attached the two letters I received today. PLEASE HELP. THANK YOU.
Complaint sub-issue: Card was charged for something you did not purchase with the card

US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in fraud.
Complaint sub-issue: Didn't receive services that were advertised

A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Complaint sub-issue: Their investigation did not fix an error on your report

After years of never looking at my credit report, I applied for credit and was told I have an old collection item. I contacted XXXX and was told they are collecting for another company, XXXX XXXX XXXX XXXX. They said that they were collecting for an anesthesiologist but could not give me the name of the doctor. 
I was then told that I could contact the hospital records department for that information. 
The hospital records department said the item is too old and I should contact the hospital records archive department. 
It became clear the collection agency XXXX was having me do their work in trying to verify the legitimacy of debt. 
I wrote to XXXX demanding proof that I signed any document or otherwise verbally agreed to pay for an anesthesiologist that I don't recall ever meeting or using their services. I asked for a response within 30 days. 
The response came in the form of an invoice from XXXX XXXX XXXX XXXX. The invoice had my name and a dollar amount due but had no authorizing signature as I requested. 
A second demand letter was sent explaining that they clearly missed the entire purpose of my first letter. 
I asked for a complete and adequate response within 15 days. 
XXXX and XXXX XXXX XXXX services have not removed this negative item from my XXXX or Equifax credit reports. 

Now I seek your help.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act -XXXX  XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions.
Complaint sub-issue: Problem getting report or credit score

1. Applied for renter 's insurance with XXXX XXXX and was sold a policy on XXXX XXXX, 2016. 
2. About 2 weeks later received notice from XXXX XXXX that policy was terminated effective XXXX XXXX, 2016, based on LexisNexis NCF ( national credit file ) report. Was given XXXX & XXXX as consume report reference numbers to use for requesting a free copy of reports. 
3. Utilized XXXX to request free copy of reports. 
4. Received reply from LexisNexis saying, " We were unable to locate your file with the information provided. In order to process this request, please provide your social security number, so we can obtain a copy of the report. '' 5. Because of security concerns and identity theft, I am not willing to divulge my social security number. Obviously the report was already created for the benefit of XXXX XXXX, so I demand a copy of it. 

Please assist. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Account status incorrect

After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.
Complaint sub-issue: Was not notified of investigation status or results

I've contacted this company twice disputing unverified information on my credit report. The first letter I sent they replied they could not find my file. They did not respond to my second letter.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX  2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Information belongs to someone else

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, Equifax XX/XX/2021. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.