Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.
Complaint sub-issue: Information belongs to someone else

Please remove these accounts i previously disputed and asked for proof of the previously investigation never did I receive anything.
Complaint sub-issue: Information belongs to someone else

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Don't agree with the fees charged

Collecting on debts that have been discharged through bankruptcy might not only violate the Consumer Financial Protection Act 's prohibition on unfair, deceptive, and abusive practicesit could also violate the order of a United States bankruptcy judge this includes student loan debt.
Complaint sub-issue: Information belongs to someone else

I've identified all things in my report that I did not consent to.
Complaint sub-issue: Problem making or receiving payments

Responding to a mail solicitation, I deposited {$15000.00} with Citibank on XX/XX/2018. The promotion promised a bonus from the bank of {$400.00} after the money was held in a savings and checking account for 60 days, split between the two accounts. I later discovered that the {$400.00} would be deposited in one of the accounts after an additional 90 days. That time elapsed aver two weeks ago I have twice spoken on the telephone with customer service agents and once face-to-face with the manager of a branch office. Each time I was told the {$400.00} would be added to my account in " one or two days. '' No money has been given to me. I notice that on your database there are  many complaints about this same issue. Please help me as Citicorp is unresponsive and evasive on this problem.
Complaint sub-issue: Information belongs to someone else

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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: Investigation took more than 30 days

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. 

FOR EQUIFAX 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 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 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 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 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status

Sent dispute to Equifax on XX/XX/XXXX re : XXXX credit card account XXXX to verify date of first delinquency. Received response XX/XX/XXXX stating company verified date of last activity was correct. Recent correspondence directly from XXXX XXXX verifies account was closed ( due to original delinquency and nonpayment ) XX/XX/XXXX ( see associated CFPB complaint # XXXX XXXX. Account is still reporting, which exceeds the XXXX year reporting period for negative accounts.
Complaint sub-issue: Old information reappears or never goes away

A pay to delete letter with sent into the company in exchange for the balance to be paid off, the collection was not deleted, but only marked as closed.
Complaint sub-issue: Account information incorrect

Hello, I previously filed a complaint concerning Equifax data not matching in the reports housed on myequifax.com in the daily reports and the Dispute Center. Now, I have also found serious reporting issues on my Annual Report.

You will find my current Equifax Annual Report attached. I highlighted my XXXX and XXXX account because the Age of Account is not correct. The Account Age is short by 1 year for each account. I also attached a screenshot of the account information for each account to show the Date the Account was opened.

This is a serious matter because creditors make decisions based on the Age of Accounts.

Even more serious issue is concerning the Equifax Dispute Center data that I attached. The Age of Accounts is grossly inaccurate compared to what is in the Annual Report. I am not sure what Equifax is reporting. If the Age of Accounts is grossly off on the Dispute Center, I am not sure what they are reporting to the world. 

I need the date corrected on the Age of all my Accounts before end of day Friday, XX/XX/2022, or I am going to send the Equifax CEO proof of these serious issues. Also, I am going to take off a day from work and go sit outside the Attorney General 's office until he listens to what I am telling him about all of these data errors. This is very disturbing. There are too many mistakes. 

NOTE : I ONLY CHECKED THE AGE OF ACCOUNTS FOR MY " REVOLVING '' ACCOUNTS. THE AGE OF ACCOUNTS COULD BE WRONG ON THE OTHER ACCOUNTS AS WELL. 

ALSO NOTE : DO NOT ADD A DISPUTE REMARK ON ALL MY ACCOUNTS AS THAT MIGHT REFLECT NEGATIVE ON ME. PLEASE JUST FIX YOUR DATA AS I HAVE ASKED PREVIOUSLY.
Complaint sub-issue: Attempted to collect wrong amount

I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, Lending Club ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " XXXX XXXX XXXX ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my Financial Hardship. 
Tehn, I received another letter from the same debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX., XXXX. OH XXXX. XXXX XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

account/inquires cant be verified and need to be removed from report ACCOUNT ACCOUNT NUMBER AMOUNT XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction  ( s  ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX
Complaint sub-issue: Information belongs to someone else

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission.
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/202XXXX XXXX XXXX XXXX$550.00} / XX/XX/2021
Complaint sub-issue: Banking errors

They will not allow me to link accounts to XXXX  accounting software which mainstreams my book keeping.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax reporting agency breached in XXXX, not told of this until XXXX XXXX, 2017. Equifax indicates I had data lost during the breach. 

Unacceptable on a number of fronts some of which are : 1 ] Equifax 's own credit monitoring service did NOT report the breach.
2 ] Unacceptable accountability and responsibility on the part of the agency.
3 ] I wish I could have inside information like their executives so I could sell stock prior to the release of the breach information. Must be nice to sell your stock when the price is high.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Complaint sub-issue: Debt is not yours

QUESTIONABLE BALANCE OF {$4700.00} FROM XXXX XXXX XXXX? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Complaint sub-issue: Overdrafts and overdraft fees

U.S. BANK EMPLOYEES, DEEMED TO BE MANIPULATING FINANCIAL SCAMS ACTIVITY WITH OUR CHECKING ACCOUNT. AS FAR AS RE-CHARGING, OR REINSERTING SOME OF THE ITEMS BEEN ALREADY PAID FOR WITH OUR ACCOUNT, ACCORDING TO STATEMENT. ALSO ; PAYMENT MADE DEEM CHARGING US FOR OVERDRAFT ON CHECK PAYMENT WAS SENT OUT ON XX/XX/2018 CHECK # XXXX AMOUNT {$1700.00}. AND ; MY RETIREMENT PENSION DEPOSIT ALWAYS IN ON XX/XX/XXXX OF EACH MONTHS AT XXXX. WHICH I FELT LIKE NEXT DAY TRANSACTION SHOULDN'T BE CHARGED FOR OVERDRAFT PERHAPS. FOR THE FIRST TIME THIS EVER HAPPENED. ALSO ; MY WIFE WENT TO U.S. BANK TO CASH OUR CHECK FROM XXXX. MY PENSION INCREASING. AND THE EMPLOYEES PUT IT IN AS A DEPOSIT, INSTEAD OF CASHING IT. DEVIOUS ACTIVITY IN TERMS OF BRINGING CONSTERNATION, MANIPULATION ACTIVITY. TO FINAGLE US WITH OUR CHECKING ACCOUNT, OBVIOUSLY. MANIPULATION ACTIVITY U.S. BANK ARE DOING ARE EXTREMELY DEVIOUS TOWARD MANIPULATION IN ORDER TO SATISFY THEIR FINAGLE ACTIVITY WITH US, AS WE ARE SENIORS CITIZENS OF THE UNITED STATES OF AMERICA. THIS MUST BE STRICTLY SCRUTINIZE FOR FRAUD ACTS, AND ACTIVITY. MUST NOT TOLERATE ANY OF THESE TYPE OF MANIPULATION. AS WE DISCOVERED. HOW THE TOP GOVERNMENT DISHONEST, LIES ON SERIOUS MATTERS PERTAINING TO OUR FEDERAL GOVERNMENT AS A WHOLE. AND SOME PEOPLE, EMPLOYEES MIGHT TAKE ADVANTAGES OF WHAT THE LEFTIST LIBERAL ARE DOING TO OUR COUNTRY, AND, OUR GOVERNMENT EVILLY, DEVILISH LIAR, LIES, ETC. WE MUST EXTREMELY CAREFUL ABOUT. WILFUL FRAUDULENT SCHEMES ACTIVITIES LEADING OUR COUNTRY NOWADAYS ... WITHOUT DISCIPLINE AND PENALTY TAKE PLACE ... .NOTHING CAN BE ACCOMPLISHED IN TERMS OF REINFORCING AND ENFORCING OUR LAWS AND CONSTITUTION FOREMOST. & OUR RULE OF LAW ... SEMPER -- FIDELIS ... .XXXX ... .MOTTO ... ... FOR SECURITY.
Complaint sub-issue: Reporting company used your report improperly

Citibank - closed 6 of my credit accounts without notice. When I called to discuss why one of my attempted transactions was denied ( I was using my Shell Gas Card ), which I pay off every month. I was so embarrassed that the card was denied. 

When I contacted Citibank, I was told that my account had been closed because I appear to be a credit risk to them based on the number of inquiries on my credit reports based on their recent review. I received no notice of this action. Upon further research on my part, I discovered that all my credit accounts that were issued by Citibank had all been closed. All but one had XXXX balances. 

When last checked, my credit scores were in the 700 's, I have no credit card debt. I have a mortgage and two car loans and a student loan. That's it. Although the mortgage and cars are joint with my spouse. Nonetheless, my credit is dang near perfect. I haven't seen an 800 score since my 20 's. 

I feel they closed my accounts unfairly. I don't see how I can be a credit risk when I have no debt and all my accounts are all paid on time.
Complaint sub-issue: Company closed your account

Citi credit card I called when I had a XXXX XXXX fraud call message I held for a hour no answer I called again I had a letter sent saying they closed my account I have had my card locked I was told my payments were late and I'm not due til XX/XX/XXXX the letter came XX/XX/2020 I have been on the chat waiting and waiting way before this I've tried to dispute any charges I could see I have called today I talked to 4 people and have them tell me they can't reopen my account but r investigating the charged but didn't read me out everything I waited for each person 45 minutes to a hour then have a call back telling me about not being able to reopen my account when I've called waited sent chats locked my card my identity is in shambles and its unfair!
Complaint sub-issue: Other problem getting your report or credit score

Spring of 2018 I was denied for an apartment complex and I was advised by them that they used a sort of Rental Equifax bureau. I check my credit regularly and never saw any of the information that they had. I tried contacting Equinox and spoke with two departments that which refused to provide me information on how to obtain/request my renter 's report. The rental equifax is a consumer reporting agency WITHIN Equifax that is reporting information on me that they refuse to allow me to see. According to the apartment complex, there was some sort of eviction on my record and I'm for certain that it is the result of fraud/identity theft, but because Equinox isn't cooperating, I can not get to the bottom of it.
Complaint sub-issue: Account information incorrect

The account balance is incorrect and the payment history is incorrect.
Complaint sub-issue: Debt was result of identity theft

A letter was sent to the company ( account XXXX XXXX ) and has been ignored for over 90 days. The information is harming my credit and displaying inaccurate information with validation.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Citibank N.A cancelled and discharged the Home Depot revolving debt on my credit report back in XX/XX/2014 ( proof attached ). The only Citibank representative that would talk to me was XXXX XXXX whom stated she worked for the office of the president and declared that the debt is again valid and that I need to pay it. XXXX XXXX stated that she was the highest level of anyone to talk at Citibank and that my only option was to pay the " valid debt '' even tho I sent proof multiple times that the debt was cancelled and discharged and should have been removed from my credit report and collection attempts.