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

equifax has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.       XXXX   is the one who put the fraud alert on the report then they notified Equifax and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
Complaint sub-issue: Billing dispute for services

Company involved is Citi bank card with regards to their Advantage platinum select card ( XXXX ). There was an unidentified charge made to the card, however this specific card has never been received, activated, or used. The charge occurred on XX/XX/2020. The account was immediately closed although there had never been any activity on it before. The account was charged {$99.00} for an annual fee. The company linked the card to a different account that has a different card number ( XXXX ). 
My concern is that the card ending in ( XXXX ) was never received/activated/or used. I feel this is fraudulent behavior on part of the bank. I have written to the office of the President of Citi Bank/Card and still awaiting a response. In the meantime, my credit rating has dropped from XXXX to XXXX. I have ended up paying {$180.00} to resolve the issue, my concern is the drop in my credit rating due to inaccurate charges and my ongoing dispute with Citi Bank regarding this alleged credit card, which was once again never received or activated. I have reported this to XXXX/XXXX without resolution. Citi Bank refers the report to the previous credit cards ( XXXX ) which had been in good standing. 
In summary, I am concerned about the unacknowledged credit card and the drop in my credit score, in spite of paying the originally fee plus penalties, in total being {$180.00}. 
All my credit cards have been in good standing prior to this and I really feel I was manipulated and not dealt fairly by Citi Bank.
Complaint sub-issue: Report provided to employer without your written authorization

Dear Sir or Madam : On XX/XX/2022 I presented check # XXXX from my account at XXXX XXXX for {$45.00} to XXXX at XXXX XXXX XXXX, XXXX LA XXXX. The check was declined by TeleCheck with denial record # XXXX. I received a receipt that provided a phone number to call to have TeleCheck advise me of why the check was declined. 

I spoke with a customer service representative at TeleCheck. I provided her with the denial record number, my name, my address, my phone number, the banks routing number, my account number and my check number. I had difficulty understanding what she was saying and ascertained that the call center was not located in the United States. She advised me that the check was rejected because I didnt have any history in TeleCheck and she added my information and the next time I would write a check to a merchant who uses TeleCheck my check would be accepted.

I told her I didnt want to be in the TeleCheck data base as I dont know who they partner with and would need a Privacy Policy from TeleCheck as they now have personal non-public information ( bank name, routing number and account number ). I subsequently learned that TeleCheck is a Data Broker, as defined by the FTC, and sells sensitive customer information to third parties. She informed me that I volunteered that information and it was in the system. She refused to send me a Privacy Policy. I told her that I provided the information under duress as she said it was required to find out why the check was declined. This was a lie as the denial code would have been sufficient to provide that information. I believe that it was a premise to get information that I ordinarily do not provide without a Privacy Policy. 

I then asked to speak with a supervisor and was connected to XXXX. XXXX stated that she couldnt give me a Privacy Policy at which time I asked that she delete me from the data base. I asked her to provide me with a written letter explaining the check denial ( would take 30 days ) and also a copy of TeleCheck history ( would take 15 days ). 

XXXX provided me with an address to write to with my complaint. It is listed above.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed an dispute with Equifax XXXX times in concerns of my XXXX XXXX XXXX, on Sunday XX/XX/XXXX spoke with a represented in the XXXX, stating that XXXX XXXX is reporting accurate with the negative information on my credit, " stating that the account is a charge off of XXXX. Tried to explain that XXXX XXXX is stating that all of my credit reports should reflect, no charge off, paid in full and never late. 
He stated that is not what XXXX XXXX is reporting to them. 
I would like to start an investigation against Equifax for negatively impacting my credit for over an year when they have been provided accurate information several times by me and the consumer. 
I have attached both responses from XXXX XXXX First  complaint number # XXXX filed on XX/XX/XXXX Second complaint number # XXXX filed on XX/XX/XXXX
Complaint sub-issue: Account terms

A landlord is illegally reporting false credit information to XXXX and XXXX is refusing to validate the dispute. A judge ordered a judgement in the amount of {$2200.00} on XXXX and XXXX XXXX is reporting that I owe {$10000.00} and is refusing to remove this information even with a copy of the actual judgement.
Complaint sub-issue: Information belongs to someone else

CITIBANK CBNA is reporting an account on all 3 credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all 3 credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus account.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Dear Sir or Madam : I am writing this letter regarding deceptive practices and erroneous fees and interest charges I received from DISCOVER. This company failed due diligence to protect me from unscrupulous merchants who never delivered the service. The related charges to the dispute are in error and XXXX XXXX XXXX informed me that they attempted to reverse their charges after realizing they made mistakes but DISCOVER would NOT accept the reversal. It appears this company engaged in conduct that helped the scammers rake in megabucks at my expense. XXXX XXXX had to send me the payment and I, in-turn sent it to DISCOVER. DISCOVERs refusal to accept the reversal payments caused a delay in resolving the matter, resulting in interest and late fees. The following are dates and persons spoken to in an attempt to resolve this matter : XX/XX/XXXX Spoke to XXXX and XXXX XXXX XX/XX/XXXX Sent supporting documents ( certified ) XX/XX/XXXX Spoke to XXXX XXXX disconnected ), spoke to XXXX who forwarded me to XXXX ( Dispute resolutions ) who forwarded me to XXXX ( security team ) who forwarded me to XXXX, then back to XXXX ( Resolutions ) then to XXXX ( customer assistance ) then to XXXX ( Billing ) then to XXXX XXXX billing resolutions ) who told me that it would take a couple days to make the changes to credit my accounts. 
XX/XX/XXXX Contacted XXXX about the status of the removal of interest and late fees and was forwarded to XXXX ( Fraud dept ) then to XXXX ( Resolutions ) then to the supervisor, XXXX, and then forwarded to XXXX ( Manager, Billing Resolution ) and received the same answer. 
My account numbers with DISCOVER are XXXX and XXXX. 
After repeated attempts since XX/XX/XXXX to rectify my accounts, this company has used deceptive conduct and failed to reimburse me for fees and interest as a result of the fraudulent activities of XXXX XXXX XXXX in XX/XX/XXXX. 
The enclosed are copies of accumulated amounts are : XXXX Card ending in XXXX Card ending in XXXX Total XXXX {$310.00} ( Interest ) {$210.00} ( Interest ) {$530.00} {$29.00} ( fees ) {$29.00} XXXX Card ending XXXX Card Ending in XXXX Total XXXX {$210.00} ( Interest ) {$290.00} ( interest ) {$510.00} {$40.00} ( fees ) {$40.00} I contacted the company of several occasions from XX/XX/XXXX in regards to this matter. Documentation to support my requests has also been presented and on XX/XX/XXXX, explanation was again given to DISCOVER representative, XXXX, about the misleading and fraudulent practices of this company. She informed me that they would make adjustments for the charges and it would take a few days. 
Failure to receive an appropriate response to this problem has prompted me to write directly to you. 
I would appreciate your assistance in resolving my complaint. I would like to receive full refund from DISCOVER of the full erroneous charges of {$1100.00}. 
I look forward to hearing from you soon regarding my problem. I would like to receive a response from you as soon as possible. 
Please contact me if you have any questions or need additional information. I may be contacted by e-mail at XXXX XXXX
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020, CITIBANK froze and closed a joint checking account. It was now under investigation by the Fraud Department. After 3 months of unacceptable customer service, I was told that only part of my money would be released to me. The unpaid portion was the Social Security payments for my mother and I wasn't entitled to this money. 
This account was set up to pay all services necessary while my mother was in a XXXX XXXX. I've contacted CITIBANK weekly and they refused to release this money and won't give any details of what happened to it. 
I am the executor/representative and POA of my mother 's last Will and Testimony. I have sent by certified mail, documentation of being both my mother 's representative and legal POA, joint names on CITIBANK 'S signature cards, the balance of closing checking account, {$14000.00}, a partial check received for {$6600.00} with an additional check to complete the total for {$7500.00} plus interest, a letter from her doctor stating she's incapable of making financial decisions, a letter from Social Security stating myself as being her representative of her monthly statements and a copy of her death certificate, as my mother passed away XX/XX/2020. 
This money is part of her estate and I am not able to move forward until CITIBANK pays the remaining balance of over {$7000.00}. Please help close this account to make things right. I have done everything I can possibly think of and now I need professional help. CITIBANK is refusing to release this money! 

Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX  but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
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.

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

15 U.S.C 1681 section 602 A. Section 2 : It 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. Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have tried to fix the names and addresses on my credit. XXXX and Equifax and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this CFPB Complaint in response to the recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However, I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the accounts below. 

XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} My previous appeal for you in order to present me along with the details as to the person you talked to such as the addresses and names of the person or persons approached has regretfully not even been accomplished. After all this, I'm thinking about court action and then have established the operation of contacting legal " recommendation ''. I am inquiring for one final time that you still generate me by making use of the important information that has been recently questioned and of course make sure to produce me with a copy of the deal signed or voice chat where I signed up charging me in this particular account. If not you are required to remove this from my credit report according to the Fair Credit Reporting Act and the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance Owed : {$490.00} This Account was already deleted from the other Credit Reporting Agencies . You do not have the rights to continue this erroneous reporting and need to stop immediately. If the Credit Bureaus did the same actions to verify this account, how come this account was deleted from the other Credit Bureaus and still be reported in your Credit Bureau? According to Fair Credit Reporting Act, the Credit Bureaus are required to report accurate information. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXX  XXXX Balance Owed : {$9700.00} How many times do I have to tell you that this alleged repossession account is reporting erroneously? This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE THIS ACCOUNT IMMEDIATELY.
Complaint sub-issue: Account information incorrect

Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.
Complaint sub-issue: Debt is not yours

My apartment complex said we owed damages upon move out which there were absolutely none. We left the complex in a better condition then when we moved in. 2 months after we moved out, I received notification from IQ data saying they had sent these " damage '' fees to collections, when the complex never even contacted me via mail, phone email etc. I even called the complex and they said they had nothing on my profile regarding any past due balance or damages so I don't know why it would be sent to collections. I reached out to IQ data, they told me to email their dispute department which I did. They then said that the dispute was denied and debt was validated because of proof, but I never received anything from them. What proof is there? No one has even said WHAT the damages were! Nevermind there being no photos or proof of said damages. When I called customer service at IQ Data they were extremely rude and no help, saying the only thing I could do would be to pay this to get it off my credit and was not listening to me at all. I had mentioned that I spoke to my dad about the situation & that I was considering per his advice taking them to small claims court. When I asked them to email me any of the info regarding this dispute, validated debt etc. the agent refused and responded with " Why don't you ask your dad? '' which was very condescending. They said they would re-mail the so called " proof '' that I never got in 5-7 business days but that was it. I have already started a small claims court case. This company is fraudulent and should be shut down.
Complaint sub-issue: Information belongs to someone else

My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX  XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a return on this card on XX/XX/18 for the amount of {$110.00}. They only refunded me {$20.00} on this as soon as that posted. When I called them they gave me the runaround on this. They finally transferred me to a XXXX XXXX who gave me more of a runaround. When asked about this, he told me it was because it was a dispute. I told him that it was just a return. Then he said that he was on the wrong screen. When he supposedly got on the right screen he said it was because these are entered manually. I asked why {$20.00} and not the who amount. He said it should be there in XXXX hours. Still no refund. 

I have suspected this company of cheating me before. When I asked them they asked if I had proof. I said no. This time I have pictures on my phone of all the transactions every day. I used this card for everyday purchases as opposed to my bank card. I have asked this company for daily balance sheet. They say they can not provide that to me and that they cant see one either. They have said that is because their management does not make it available to them.
Complaint sub-issue: Information is not mine

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Complaint sub-issue: Trouble with how payments are being handled

I have six payments that are " pending a manual review. '' These payments were made from XX/XX/XXXX to XX/XX/XXXX. MyFedLoans has been unable to certify these payments after repeated requests over the past two years. They just told me the current case was opened XX/XX/XXXX. I am close to applying for PSLF and these six payments will prevent me from applying for forgiveness on my proper date. These were eligible payments under my previous servicer, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.
Complaint sub-issue: Problem getting your free annual credit report

For XXXX. When I try to request it online. Its says " a condition exists. '' For equifax it will not give it to me online.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX. 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

In accordance with the fair credit reporting act 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 a account without my written instructions.