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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

The problem withdrawing money from an ATM is that I didnt perform the transactions! My PNC Smart Access debit card was stolen and fraudulently used to withdraw funds. I lost over $ 2k. I filed a fraud form with PNC a few weeks ago and I havent heard back from them. Im still waiting for my funds to be refunded. Im attaching the fraud form I sent PNC. The fraudulent transactions can be found on the form.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Received bad information about your loan

This complaint concerns XXXX/XXXX. Wanted to payoff {$100000.00} of my student loans, which is not possible through their website payment options. Had to call and press multiple times for wire information ( wire information is not available online ). As a borrower, I am permitted to direct how certain payments are to be applied/allocated to individual loans from the lump sum payment ( to the extent permitted by current federal regulations ). After applying the payment to outstanding interest as required by statute, I wanted one loan paid off completely and the balance applied to the larger, remaining loan. XXXX told me to upload a letter directing payment to my account on XX/XX/XXXX ( which I did ) and then wait 7-10 business days for some acknowledgement by XXXX of receipt of those payment instructions. Business day 10 arrived and I called on XX/XX/XXXX to inquire/confirm receipt of my payment instructions. The new XXXX representative told me they could not comply with those instructions. Instead, they would apply the {$100000.00} in whatever manner they chose, then look at my payment instructions and attempt to follow them ( essentially by undoing their transaction and then reapplying payment ). Fixing their mistake/refusal to follow my payment instructions will then take another 7-10 business days. I have demanded they waive any interest I unnecessarily incurred waiting from XX/XX/XXXX to XX/XX/XXXX for them to acknowledge my payment instructions ( I did so based on their misleading, inaccurate information ) and have further demanded no interest accrue during the 7-10 business days they will take to comply with my actual payment instructions. Given the amount of money involved, their complete inability to function like any other debt servicer is outrageous. XXXX must do better or be made to do so.
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. 

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.
Complaint sub-issue: Reporting company used your report improperly

My wife and I are one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies.
Complaint sub-issue: Problem getting your free annual credit report

Attempted to access my Equifax consumer report via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE via mail from Equifax.
Complaint sub-issue: Charged too much interest

Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XXXX. My initial inquiry to Citibank was at XXXX, and my credit card had been open in XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XXXX - XXXX. There are other acct numbers which were from the same account and the last digits are as follows and were prior card numbers back to XXXX : x-XXXX ; xXXXX ; xXXXX ; x-XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive, and they and theirlegal representative have currently severly botched the inquiry, and/or lied. I had another complaint ( XXXX ) which the information provided from Citibank was totally wrong/or they just lied to stonewall the process. Therefore I am starting another complaint which will also show how Citibank and their legal outsourced team is stonewalling this process, and distorting the facts as we see. I will be faxing more information in to your fax number XXXX which I got from XXXX XXXX of your office. I want this to move further, and I want you to look at fining or what ever process you are to do to charge Citibank for their bad internal procedures as outlined in your reports attahced in the last.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act, the company below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX claims that they have been in contact with me about a debt in XXXX, which is completely false. I've never spoken to or agreed to pay any amount to this company. They were not able to provide info stating that I spoke to or agreed by contract. Please have them provide information regarding this conversation. There is a collection on my credit report for XXXX in which they claim I agreed to pay.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 



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Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX keeps attempting to remove money out of my account that I dont owe.
Complaint sub-issue: Debt is not yours

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Complaint sub-issue: Information belongs to someone else

I sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with XXXX XXXX and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.
Complaint sub-issue: Debt is not yours

XXXX XXXX, XXXX is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with Citibank nor a mastercard with Sears.
Complaint sub-issue: Reporting company used your report improperly

I have noticed there are some late payments on my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from Flagship credit acceptance. This is a violation of my right per 15 U.S. Code 1666b which states in section A -Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any letter by mail before my due date and by law my payments cant be reported as late. With this information I have provided you, I ask that you delete all late payments from my credit report.
Complaint sub-issue: Information belongs to someone else

A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information
Complaint sub-issue: Information is not mine

customer service refuses to help me. I have also sent several certified letters and inquiries were not investigated.
Complaint sub-issue: Investigation took more than 30 days

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, XXXX, and Equifax in which they were received and signed for. Equifax with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.
Complaint sub-issue: Information belongs to someone else

I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.
Complaint sub-issue: Information belongs to someone else

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$460.00}
Complaint sub-issue: Debt is not yours

I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX   XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation.   They are reporting this account opening as  XXXX   XXXX ,   XXXX  . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed  Enhanced Recovery Corp.
Complaint sub-issue: Account information incorrect

I had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Complaint sub-issue: Debt is not mine

In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.
Complaint sub-issue: Debt is not yours

XXXX XXXX says I owe them XXXX dollars. XXXX   sold/placed this " debt '' with a collection company called AFNI. AFNI placed this collection on my XXXX  credit report. I have sent 4 certified mail letters to AFNI regarding this collection and I have requested XXXX investigate twice. no luck ... I don't think they even bothered to check. according to the collection this account went delinquent in XX/XX/XXXX. I haven't lived in a state that had XXXX  service since XX/XX/XXXX. ALL THEY NEED TO DO IS LOOK AT THE NAME OF THE PERSON WHO PAID THE BILLS BETWEEN XX/XX/XXXX-XX/XX/XXXX ON THAT ACCOUNT and they would quickly realize it isn't me and they would know the responsible party. I did open a cox account when I lived in corporate housing for a couple of years and had the name of the account changed to Assaf at some point between XX/XX/XXXX-XX/XX/XXXX. The only address that I lived at was XXXX XXXX XXXX XXXX XXXX  OK XXXX and Im pretty sure that XXXX is saying I moved. So my point here is ... if the service were in my name wouldn't I have had to authorize moving it to a different address? even though obviously like I said before it shouldn't have been. THIS ISN'T MY BILL and I would have never let it go to collections if I had ANY idea it existed.
Complaint sub-issue: Problem using a debit or ATM card

I got my purse stolen that had my wallet phone I'd ss etc in it from my car. I did not report it right away because I was unaware. I had become sick with XXXX  and became extremely ill. When I realized what happened I filed a police report and called to report my card missing g and file disputes. All my disputes were denied.
Complaint sub-issue: Account status

I received a release of IRS and Minnesota Revenue tax debt by filling out innocent spouse forms and this debt was from my ex husbands business in which I just signed the tax returns at the end of the year. His business was never in my name. I believe the tax debts that were released from me should not be on my credit report at all being that it was never my debt and the IRS and Minnesota Revenue released me from these debts.