Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to file a complaint against the following consumer reporting agencies. XXXX  and Equifax I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to XXXX   and Equifax on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However XXXX  or Equifax has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  to re age the accounts showing missed payments and a past due balance after being charged off.
Complaint sub-issue: Account status incorrect

THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT
Complaint sub-issue: Threatened or suggested your credit would be damaged

Regarding past complaint XXXX IC Systems in that complaint acknowledged they have no lawful claim of collection and stated they would cease and desist all contact and all claims of collection, as they are unable to validate any claims. IC Systems has instead opened a credit account against the complainant in an attempt to damage complainants credit for a debt which they are not owned. IC Systems has has no agreement to future services, the debt in question is past the lawful statute of limitations having claimed origination in XX/XX/2017, and IC Systems has already conceded that even during that time they had no lawful claim for collection.
Complaint sub-issue: Reporting company used your report improperly

In 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
Complaint sub-issue: Information belongs to someone else

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, XXXX, XXXX XXXX this is willful defamation. Infringement on my XXXX Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my XXXX amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, XXXX, and Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act multiple companies between XXXX XXXX XXXX have violated my rights. 

25 U.SC 2681 section 602 A states I have the right to privacy.

15 U.SC 2682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Complaint sub-issue: Application denied

To whom it may concern, My name is XXXX XXXX XXXX. I applied for a CitiBank Citi XXXX credit card using the promotion code provided in a letter they sent me ( attached ) in mail, which stated that I am pre-approved for Citi XXXX  credit card. 

Later that week, I received a letter in mail ( attached ) asking for a copy of my US Passport or Permanent Resident Alien card. I am an XXXX  citizen currently in the US on valid student status ( XXXX status ), so I do not have either of these documents. So I called Citi customer support and they initially wouldnt tell me why they can not process my application. 

At first they said that either on the application form or on their website the immigration/citizenship requirements are mentioned, but they retracted that statement because it simply was not there. Neither in the promotion letter, nor the application webpage ( both attached ) was there a mention of requirements regarding nationality or immigration status. 

They eventually told me that I am not qualified for this credit card because I am an XXXX national and federal law prohibits them from issuing me this credit card and my application will be rejected. However, they would not tell me what rule/law they are referring to. I reminded them that on the back of the letter they had sent me it is mentioned that The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. 

Their failure to disclose this information had the following consequences for me. First, I shared sensitive information including my SSN, my address and date of birth with this financial institution, expecting that I will receive a service in return, however, according to their oral statement ( which they could not point to a written counterpart anywhere on their website or their letters ), I was not qualified for in the first place. Second, the fact that I would my credit card application will be denied is probably impact m

y credit score negatively. I spent over an hour talking to multiple representative and managers and eventually left feeling humiliated. I believe that Citis c
urrent practice in this case is both discriminatory and borderline fraudulent. 


Regards, -XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and Equifax reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but Equifax and XXXX   have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Debt was result of identity theft

I received a debt collection notice in the mail from MRS which I guess is a debt collection company. The bill was sent XX/XX/2022 for {$3100.00} and it is not me. Ive never had XXXX and I was a victim of identity theft. I called MRS to discuss what my next steps should be and they updated the profile and told me to make a police report and send affidavit to the website of www.Verizon.com/fraud and to the email of XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Complaint sub-issue: Report improperly shared by CRC

I have XXXX credit inquires on my credit report with equifax from some unknown company called XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I did not authorize these inquires. Please remove immediately.
Complaint sub-issue: Other problem

At the beginning of XXXX I believe Discover card decided after a customer service call to place my account on review without any reason, no late payments, no return payments, never over credit limit and never paid late. after almost two years they requested tax returns for 2017 which i refused Stating it was intrusive behavior for a {$400.00} credit limit account. Then after closing my account they started the same process with my Husbands account. I truly believe that this is pure and simple discrimination due to the fact that this all started happening right after a conversation I had with a service Representative were I identified my XXXX XXXX. Systematically they attacked me affected my credit and ended a relationship that had zero derogatory issues. I believe the are a company that discriminates
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XXXX XXXX I deposited through the XXXX XXXX, NJ PNC bank drive-through a check in the amount of {$330000.00} from XXXX XXXX  XXXX XXXX company. I endorsed the check. It was deposited into my account and showed that it cleared in my account two days later. I began paying debts with the monies and went to the XXXX XXXX, NJ branch to give them wire information to pay off my mortgage at XXXX XXXX. XXXX met me outside and told me they turned the check into their loss prevention and avoidance department because the check was not endorsed by the other name on the check which was my mortgage company XXXX XXXX. To this day, no one at PNC has helped release the monies back into my account. They are holding the money because it is now in their legal departments hands. I just lost my home in a storm, it was demolished, I can not buy another home until my mortgage at XXXX is paid off. I have two more days to pay it off, XXXX has stopped withdrawing my mortgage from my account because of the understanding its getting paid off. PNC will not release the check back to me. They have not given me a copy of the check. I have a negative balance in my checking account. I'm being charged $ XXXX day in interest from my mortgage company every day its not paid off. I am in a dire situation and PNC is giving me the runaround. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with LOANCARE, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Investigation took more than 30 days

LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX XXXX COUNTY OF   XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Complaint sub-issue: Reporting company used your report improperly

Hello, i have sent letters to lexisnexis, asking them to remove a bankruptsy, that they have on file, by which they never obtained a wet signature or permissed to report on their files. I have asked them 3 times and remove, and they still not not acted on my request. I sent the letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All 3 times they have not removed the inaccurate bankruptsy from their file.
Complaint sub-issue: Account information incorrect

I had called LoanMe around XXXX XXXX & I wanted to pay off my loan. They had told me it had got sent to a collections company. The number they had given me was XXXX. I had called them & paid off the amount of {$2900.00}. They had told me the this well be taken off my credit within the next month or so. Ive been checking my credit report & its still on there with a full balance as well.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX  XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Unable to open an account

I am trying to link my checking account to an XXXX account to round up and save money
Complaint sub-issue: Called before 8am or after 9pm

At lest once a week they calling me at XXXX I tell them multiple time not to call me at XXXX
Complaint sub-issue: Problem with balance transfer

On XX/XX/2022, Citi ( XXXX XXXX, SD ) applied my overpayment of {$12000.00} on my Citi Card to the amount in Citi Flex Plan ( 8.99 % APR fixed ) before applying the overpayment to the amount from the balance transfer offer that expired XX/XX/2022. The overpayment covered the amount from the expired balance transfer offer and was exactly {$12000.00}. When the balance transfer offer expired on XX/XX/2022, that amount became subject to a much higher APR than the 8.99 % APR fixed.
Complaint sub-issue: Their investigation did not fix an error on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

EQUIFAX has failed to remove after several request. 
XXXX XXXX-Dispute in progress.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2021 my debit card was locked and overdraft protection was turned off. My account via the US BANK XXXX app stated that overdraft fees were not authorized, the same condition the account had been in for years before that. 

US bank allowed charges to continue accruing, draining the account and amounting to hundreds of dollars in overdraft fees. They have refused to refund overdraft fees because they say that overdrafts fees were authorized for checking/routing but not for debit?!?!? XXXX?! I literally turned off my debit card and overdraft fees weren't authorized. 

I feel so scammed. Please help. US bank is the literal worst.
Complaint sub-issue: Account information incorrect

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously wrote to Equifax to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
EMPLOYER : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I submitted a letter to CITI regarding the following disputed charges : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX, XXXX  XXXX XXXX  XXXX {$260.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX {$220.00} The above-mentioned charges on my XXXX statement represent disputed charges. These charges are far past the allowed timelines to charge back to my card, which represents a clear violation of the MasterCard cardmember agreement on which these charges were initially made. Shortly after, my account underwent a feature change and was converted to the Costco Visa card. However, these charges fall under the Citi XXXX XXXX MasterCard limitations. 
Recharging me for these disputed transactions 6 months later also represents a clear violation of Regulation Z and the XXXX. As such, it can also be considered a violation of DTPA for its deceptive violation of the CardMember Agreement, Federal Statutes, and the MasterCard Billing Dispute Practices Regulations. 
I requested CITI comply with current consumer protection laws and allowable timeframes, as well as provide the required documentation. 
To date, I have not received a response regarding any of these charges listed.
Complaint sub-issue: Debt is not yours

Repeated reporting of a debt without providing 100 % accurate, verifiable information. 
Balance : {$1000.00} Balance : {$800.00}
Complaint sub-issue: Reporting company used your report improperly

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The XXXX XXXX XXXX XXXX and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX