Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Privacy issues

On XX/XX/XXXX I received an email alert from US Bank to notify me that the USPS had initiated an address change with their company. The alert contained the following message. " If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX. US BANKS ( XXXX ). '' Since I did not initiate this action, I called US Bank at the number provided. No account numbers were included in the email. I have multiple accounts with US Bank. The CS person at US Bank gave me the ridiculous excuse that they had written a new program within the bank, and that every account holder with their bank had received the same notice. Another person said that my accounts had been compromised and sent me new credit card numbers and cards for my accounts. Another person said that the USPS is always changing the last four digits of my Zip Code, and this is probably what happened. I asked the US Bank CS person what that change was, and he said he could not give me that information. He said the bank does not always know what the address change is, but it is changed. According to the Postmaster, XXXX, at XXXX USPS ( the branch office handling my mail ), XX/XX/XXXXSince I can view all alerts issued for my accounts, I checked the alert history. An address change alert had NOT t been issued for my account. On XX/XX/XXXX I received an informed delivery email from USPS indicating that I could expect to receive a piece of first class mail from US Bank. That mail again was a notice that the USPS had notified US BANK that there was a change in my address.The first class postcard contained this message. " If you did not initiate a change with the USPS, please contact us immediately at XXXX ( XXXX ) for consumer accounts ... '' I have not moved, nor have I initiated a change of address notification with USPS. I have previously in XX/XX/XXXX been a victim of identity theft. It is very distressing to be repeatedly notified by MY BANK that USPS is changing my address, when USPS denies that they have done so. There is a piece of mail today XXXX/XXXX/XXXX that I should have received from USPS that is from US BANK. Unfortunately my mail carrier gave that mail to another resident of XXXX, IN, and I do not know who now has further information about my accounts.
Complaint sub-issue: Account status incorrect

I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and Equifax fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. Equifax refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2021, I contacted XXXX XXXX regarding a 30 day late reported on the account. The agent I spoke too suggested that I submit a goodwill letter regarding the account since I have always paid on time and have never been late in the past. I submitted a goodwill letter in early XX/XX/2021, but XXXX XXXX has not responded. In addition there is a violation regarding Debt Dispute Violations by CRAs. The creditor failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice/letter of my dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # 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

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Personal information incorrect

I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged {$190.00} on my Citi card by XXXX XXXX XXXX in XXXX Oregon XX/XX/XXXX. I have tried to get a copy of the charges to make sure they are correct and can not obtain one. XXXX tells me they charged me without any hard copy and XXXX states they charged me based on what XXXX reported. 

The last dealing I had with the XXXX XXXX location was XX/XX/XXXX. I do not mind paying for what I have contracted for but I also do not believe I should be paying for something without being provided with written documentation as to what the charges are for.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my XXXX credit was pulled on XX/XX/ and then again on XX/XX/. Please remove these two inquires being reported on XXXX.
Complaint sub-issue: Investigation took more than 30 days

This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with XXXX, equifax and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately
Complaint sub-issue: Application denied

In XXXX, through XXXX XXXX, I applied for credit at Citi and I was denied. I have never had a late payment. Again in XXXX, XXXX XXXX invites me to apply for a Citi card and I was again denied. Starting to think this is another case of racism. There is absolutely no reason to be denied with a credit score of XXXX and under 23 % usage.
Complaint sub-issue: Account information incorrect

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
Complaint sub-issue: Their investigation did not fix an error on your report

Kikoff is reporting to XXXX  that I was 90 days late on a {$12.00} loan. I have attached the 2 screenshots proving I was never late let alone 90 days and the account was paid off. They clearly have me confused with someone else or this is some sort of ID theft problem.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by CITIGROUP/ bank. 

I called citi today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

Citi attempted to bill my full balance ( not the amount due XXXX to my bank account, resulting in 3 overdraft fees of {$30.00} each, so {$90.00} in fees. Citi additionally charged interest and additional fees to my account, which have already been refunded. I am seeking reimbursement for the fees resulting from their multiple, incorrect, and unauthorized charges. I have already spent several hours on multiple phone calls attempting to resolve this issue. Citi sent me a letter on XX/XX/2018 requesting documentation, but no address to send it to. I am providing that documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MONEYLION INC. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off, collections, and late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; XXXXXXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXn Account : XXXXXXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Debt is not yours

In late XX/XX/XXXX, I went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, in order to get two phones as I was replacing my personal cell and there was a special to get the 2nd phone at little to no cost. After being informed that I was not eligible to open a new account because another division of XXXX XXXX XXXX XXXX XXXX - said I owed them {$190.00}. The store manager got the clerical error resolved or so we thought but, at the end of the day I had gone across the street to XXXX and obtained two XXXX XXXX XXXX phones. My fiance and I had noticed that despite us not being XXXX XXXX XXXX customers we would see periodic collection attempts appear on my credit report for the {$190.00}. XXXX XXXX XXXX had told us both personally with store manager as witness that there wasn't any {$190.00} debt and each time the item was removed from my credit report once I filed a dispute. However, there continues to be collection attempts made and I had to file another dispute yesterday XX/XX/XXXX. This means that I have been the target of a campaign of harassment intending to use the power of a 50-60 point deduction on my XXXX  score each time they do this. The most recent violator was ANFI which I found on my XXXX credit report on XX/XX/XXXX and has already been removed but I still suffer the hit to my credit score. I am asking the bureau to take action to stop this illegal and immoral harassment.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PLUSFOUR INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty plus attorneys fees and costs.
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 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX County Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Equifax credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2023, I contacted the company, XXXX XXXX and spoke to a very numbed speaking man that I had to interrupt several times because he was speaking fast as to read the script, I stated I wanted a supervisor. He said, let me get you to who got to handle yo I told him again I asked for a supervisor. He then quickly said, it aint a supervisor issue and placed me on hold. I then called back, spoke to a RUDE and left to be desired supervisor named XXXX XXXX. She also wanted to rush me off the phone reading quickly speaking fast as ever and again when I stated I wanted to address the behavior of the previous representative, she tried to dismiss me and then tried telling me to PAY WHAT I OWE. 
I asked SEVERAL TIMES to speak to her superior and she said, oh thats not going to happen. I said I will call back, she said and you will get only me and refused to get me to someone over her. 
I dont know what kind of ghetto business this is, but clearly the issue is someone that has my information. But I will now address that this is Identity theft, AFTER I READ THE NOTICE AND LOOKED AT WHAT I CAN DO! So maybe you can save your company some money, make sure people see what they can do without having to deal with people like XXXX XXXX and representatives that are very comfortable in their ill mannered behavior. I hope XXXX XXXX supervisor can maybe get her some customer service etiquette and explain that this may not be the career move for her.
Complaint sub-issue: Account status incorrect

XXXX XXXX charged this collection off and sold to XXXX XXXX. The account has been in full. XXXX XXXX has deleted this account with XXXX but not Equifax or XXXX. Im trying to buy a home and it has been over a year that this account should have been deleted. Remove this account immediately because its hurting my score with false information.
Complaint sub-issue: Confusing or misleading advertising

Credible got my financial info to " apply for a loan '' to refinance my student loan. The advertising was bogus, they denied me and denying me access to the reason for the denial.
Complaint sub-issue: Card opened as result of identity theft or fraud

I may be subject to identity theft, and I suspect my social security number is being used in fraudulent activities. 
Early XXXX a credit card from a retailer called XXXX XXXX XXXX XXXX ) was issued to me without me applying for it. On XX/XX/XXXX, I received an email saying that a credit card from a retailer called Wayfair ( Citi Bank ) was approved, without me applying for it. 
I called both banks to report fraudulent activity on my behalf, and they closed the credit card accounts. I talked to the Citi Bank identity theft department, and they connected me to XXXX in order to set up fraud alert. I placed a freeze to my credit the credit bureau over the past couple of days. 
Both store cards had made purchases ( that did not deliver, or is not going to deliver ), to the following address : XXXX XXXX XXXX. XXXX XXXX, Maryland XXXX. It seems that somebody at this address is using my financial information to open store credit cards and making purchases of small kitchen appliances.