Johnade/consumer_complaints_cfpb huggingface dataset:
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 confidentially under 15 USC 2681. 
XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX  account XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Account XXXX 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 it also states I have a right to privacy 15 USC 1681 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1681c. ( a ) ( 15 ) 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 then records of conviction of crimes which antedates the report by more then seven years 15 USC 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX ; I attempted to get my online annual credit report from Equifax, and they denied my request. They ask 4 questions to prove my identity, but obviously there must be some false info on my credit file about my opening an account in XXXX ; which I did not. So now they will not let me see my credit report to check if the info is correct, I tried the phone number, but they said that I am not qualified to get a free credit report even though I have been recently denied credit. What a scam, they harbor false info about me me then they block me from being able to check, which prevents me from correcting it. They should be subject to huge fines for this!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX someone conducted a balance transfer from my Citibank credit card in the amount of {$7000.00}. And then apparently they tried another {$7000.00} balance transfer which would have put me over my limit and was rejected. I was notified of the rejection via email from Citi, which alerted me the successful fraudulent charge. I contact Citibank the following day. The representative filed it as a dispute, told me the charges would be removed in 2-3 business days. In addition, she re-numbered the account and sent me a new card. 

These two transfers were initiated by paper check, so apparently someone had gotten balance transfer checks that Citi endlessly fills my mailbox with. I asked the Citi rep to provide me with a copy of the check. She was unable to do so. Like literally, she couldn't access the check. She couldn't see who the payee was. She only had the same information I did : check number, date and amount. She gave me the phone number to Citibank Security Services. I contacted them, because the account had been closed/renumbered they couldn't access the information, and claimed once I received the new card and activated it they would be able to see the check. 

I received the new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I checked the account online and the fraudulent balance transfer was still on my account. I contacted Citi again via phone and was told that the disputed charge would be removed within 2-3 business days. 

On XX/XX/XXXX I checked and the disputed charges were still on my account. I contacted Citi again as was told it would take 3-5 business days to remove the charges. At this point I pointed out that it had been 9 business days since I reported the fraud and I wanted the charges removed today. Citibank customer service is of no assistance at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax 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 are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.
Complaint sub-issue: Right to dispute notice not received

I never received a notice of right to dispute in the mail is my first complaint. This is a violation of the FDCPA of course. 

I requested validation as well and they still never validated with me via mail. Instead they reported the debt to another credit bureau, XXXX, which they never reported to before. This is also a violation of the FDCPA. 

On top of that this is a fraudulent account. It did not initiate at my address at all. I am not even aware of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/AIDVANTAGE XXXX : {$1100.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$3000.00} ; DEPT OF ED/AIDVANTAGE XXXX XXXX {$2300.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$6200.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5000.00} XXXX DEPT OF ED/AIDVANTAGE XXXX Balance : {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$2400.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance XXXX {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( 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. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Republic Finance has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX, XXXX, and XXXX  consumer reports dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Republic Finance violations via regular mail and via electronically. Republic Finance was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX, XXXX, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I filed for a validation of debt with the credit bureau 's Equifax, and XXXX. As well as the XXXX XXXX XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( XXXX, Equifax XXXX Thank You, XXXX ' XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, Equifax and XXXX  ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX  has deleted the fraudulent account however, Equifax and XXXX  have not. I have not been notified by mail from either XXXX  or Equifax of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for XXXX  is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for Equifax is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.
Complaint sub-issue: Received bad information about your loan

In 2014, XXXX, XXXX XXXX withdrew funding for my degree at XXXX XXXX University in my senior year, giving no reason other than their lack of belief that I would be able to pay the loans back. I was forced to drop out in my last semester, incurring high fees, and rendering my college transcript unable to be released. I was unable to make the initial payments, which were over {$1000.00} a month for a balance approximately {$38000.00}, and consulted several lawyers, who advised me to " save up money and settle '' and that " there was not hope for private loans ''. I was unadvised of any kind of income based repayment plan, and was simply told that Sallie Mae doesn't do that. I have spent several years searching for a job that provides more than subsistence, but due to my lack of a degree, and in a relatively high unemployment field ( Music ), I have accumulated a significant portion of debt. I am now being sued in 6 lawsuits by the company, but I have no accumulated assets, nor skills and have been homeless for the better part of the last 5 years. They have coerced my father into withdrawing his XXXX, and to taking assets they have no access to, and using them to pay the debts. My mother and father were cosigned onto the loans, and my mother has since passed on. I have no legal rights, and was not of legal age to begin sign for my own loans at the time that I started ( XXXX XXXX, at the time ). I was not given a chance to defend myself. Sallie Mae is a predatory loan company and needs to be stopped.
Complaint sub-issue: Debt was paid

I have an account on my credit report for Cash call, but I was never late with them. would like Cash call to produce my original contract and proof of the dates I was late or remove the lates from my credit report.
Complaint sub-issue: Problem with customer service

I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.
Complaint sub-issue: Personal information incorrect

I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance
Complaint sub-issue: Account status incorrect

I have 2 previous addresses and 4 previous employers that are completely wrong. 
Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off
Complaint sub-issue: Attempted to collect wrong amount

This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir or Madam, I have been trying to resolve 9 transactions that were not authorized in my Citi credit card since XX/XX/XXXX with Citi. I have been diligently providing information and last thing I did was to file a complaint via mail to request further investigation on XX/XX/XXXX. The mail content is as below, which provides the details of what happened. It has been more than 30 days and I haven't received any reply from Citi so far. 

Could you please help me with it? Sincerely appreciated! 

========================= XX/XX/XXXX Security Services Attention Security Operations Manager XXXX XXXX XXXX XXXX, SD XXXX Dear Sir or Madam : This letter is about the dispute of 9 transactions on XXXX from XX/XX/XXXX to XX/XX/XXXX XXXX credit card number, XXXX XXXX XXXX XXXX, which has been deactivated because of fraud ). 

I filed a dispute on XX/XX/XXXX online, including 9 transactions on XXXX from XX/XX/XXXX to XX/XX/XXXX, and some other transactions. Later on I found that only the 9 XXXX transactions were unauthorized by my husband and I. On XX/XX/XXXX, I called CITI to provide more information and let CITI know that I only dispute 9 transactions on XXXX from XX/XX/XXXX to XX/XX/XXXX, and no other transactions. 
I didnt make the 9 purchase transactions, neither did my husband. 
Since XX/XX/XXXX, I have called CITI more than 8 times to check the status and provide information, including the Dispute department ( XXXX ) and the Customer service phone number on the back of the credit card. I have been diligently providing information. 

XX/XX/XXXX, after talking with several representatives, finally I got to talk with XXXX, a supervisor in the Fraud dispute department. I was told that the case was closed, and I need to provide information to prove those transactions were fraud. I dont feel thats right. Consumer credit cards are governed by the Truth in Lending Act and enforced by the CFPB via Regulation Z. Both my husband and I didnt make the purchase and didnt get any service or product from those transactions. Today, most of the major banks offer a no liability feature on most of their credit cards. I am so disappointed to see that CITI is asking the customer to provide proof that those are fraud and we didnt get the service or product from those transactions. 

I was told that I can write to security operation managers to ask for reinvestigation. So I am here to ask for reinvestigation, and ask for documentary evidence that there is a reasonable investigation conducted. 

A reasonable investigation, according to Regulation Z, may include seven elements, including reviewing the purchases in comparison to the cardholders purchasing patterns, reviewing where purchases were delivered in relation to where the consumer normally shops and comparing any signature slips to the consumers signature. We can find the full list by checking out the section of Regulation Z titled Reasonable investigation.

Please reinvestigate this matter as soon as possible. 

Sincerely,
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ).
Complaint sub-issue: Problem using a debit or ATM card

I purchased a part for my motorcycle on XX/XX/XXXX in the amount of XXXX. My mechanic tried installing the part and advise the shop gave me the wrong part. I went to the store where it was purchased and they said they were not going to give me my money back. I filed a dispute in XXXX of XXXX. I was advised that my dispute was opened and I would get paperwork in the mail to fill out and return in 2-3 weeks. on XXXX I received a letter from us bank that my provisional credit would be charged back on XXXX because I did not return paperwork. I then called us bank and was advised that they would re open the claim. 2 weeks went by and I called them back to advise no credit and no paperwork was received they advised they were still working on it. I then called gain in XXXX and spoke to a manager by the name of XXXX XXXX at XXXX and she advised that she was going to have the claim expedited and again that never happened. I received a letter from us bank and it said they were unable to credit and process because the information I sent was insufficient. Well that's a lie because they never called me back, they never sent any paperwork and they never even acknowledge my request for a call back. I have been getting the run around and terrible customer service and us bank does no protect my money.
Complaint sub-issue: Information belongs to someone else

I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.
Complaint sub-issue: Was not notified of investigation status or results

On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.
Complaint sub-issue: Information belongs to someone else

FTC Report # XXXX RE : Identity Theft Dear Equifax Please remove the following accounts listed on my credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY. XXXX and XXXX   have already removed these items.
Complaint sub-issue: Was not notified of investigation status or results

I have been unable to obtain a free copy of my credit report. Equifax claims they have " mailed me information, '' which is false. I have made several requests for a FREE copy of my credit report and Equifax has not sent it to me, at any point. It is my FCRA right to obtain a copy and they are in violation.