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

I am a victim of identity theft. The XXXX XXXX XXXX XXXX XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

CREDIT BUREAU XXXX XXXX XXXX Reported : XX/XX/2019 {$4400.00} CREDIT BUREAU XXXX XXXX XXXX {$810.00} CREDIT BUREAU XXXX XXXX XXXX Reported : XX/XX/2019 {$3000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Complaint sub-issue: Was not notified of investigation status or results

I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
Complaint sub-issue: Debt was result of identity theft

I XXXX, XXXX have no contract / agreement with XXXX XXXX XXXX. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is CITIBANK , N.A . and I didn't agree to a contract with them either. I formed an agreement with Best Buy which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If XXXX XXXX XXXX can Produce a Valid contract between XXXX XXXX and XXXX XXXX XXXX stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  BANK Account # xxxxxxxxxxxx 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: Credit inquiries on your report that you don't recognize

I have hard inquiries on my credit report that I did not authorize.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citi Bank has allowed me to go way over my credit limit (twice) and they expect me to make that monthly payment and include the total amount they let me go over!  This wasn't just one purchase, this was several.I feel that unless they text/call you or you contact them ahead of time, they should not allow their system to let you exceed that limit.I don't feel that this is fair practice!!  Sure it's nice if it's something you absolutely have to have, but contact the consumer first!I am livid over this!! I actually work for a major credit card company and we would never allow someone to go over their limit unless the customer contacts us first.  That limit is there for a reason.
Complaint sub-issue: Information is not mine

I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad
Complaint sub-issue: Old information reappears or never goes away

I had a XXXX XXXX Credit Card account that was removed from my Equifax Credit Report approximately 6 months ago. At this present time XXXX XXXX is currently on my report once again.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX of XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # XXXX 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 an account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. 
Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. Thank you,
Complaint sub-issue: Problem during payment process

I have been having problems with the USBank.com online banking site for several months now. The problems include unable to schedule automatic payments, unable to make one time payments, unable to manage reward options. I am able to log into online banking and view the balance on my accounts on the dashboard. Sometimes I can make a payment but most times I can not. I get an error message saying the website is unavailable due to too many redirects. When attempting to select reward categories I have not been able to access the site in over 3 months. The inability to make payments online has resulted in 2 late fees.

I have contacted USBank twice before today but have not been able to resolve the issue. This is despite the fact that the representative I spoke with also could not use the site while I was on the phone with her. To date there has been no resolution. I finally canceled my credit card accounts with USBank.
Complaint sub-issue: Other problem getting your report or credit score

When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting 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: Their investigation did not fix an error on your report

in 2014 my information was used at a hospital for treatment. I submitted a dispute with Equifax explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. Equifax did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.
Complaint sub-issue: Attempted to collect wrong amount

Im filing a complaint against IC System, XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. Their phone number is XXXX. I moved out of an apartment in XXXX, IN in XX/XX/XXXX with a debt of {$150.00} to XXXX XXXX. IC System purchased the debt and violated the Fair Credit Reporting Act by re-aging the debt. On my credit report, they listed the date opened as XX/XX/XXXX, more than 3 years after the date I moved out.
Complaint sub-issue: Information belongs to someone else

fcra violatons : remove not mine XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX - LIVES XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX
Complaint sub-issue: Information is missing that should be on the report

Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXXXXXX XXXX XXXX XXXXXXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and EQ hasn't been able to compile my file properly to retain accurate information.
Complaint sub-issue: Problem accessing account

I have been trying to link my bank account to my XXXX XXXX  witch it does not allow me to do so, an say that my bank ( PNC ) has made changes not allowing it to be linked.
Complaint sub-issue: Information is not mine

There was fraud on my account and does not belong to me.
Complaint sub-issue: Old information reappears or never goes away

I am XXXX driver. 

Checkr prepared wrong background check report! 

I emailed them more than 20 times but they didn't correct it.

They wrote in the report I was guilty of " UNLICENSED DRIVING. '' However, in the court, I was found NOT GUILTY! ( I attached certificate of disposition, court decision document ).

Because of this wrong information, Checkr labeled my report " CONSIDER ''. 

In XXXX and Checkr language, consider means " NOT CLEAR '' Because of this wrong information, they labeled my report " CONSIDER '' ( NOT CLEAR ), and after that, XXXX deactivated my account!!! 

I emailed Checkr more than 20 times but they didn't change the " consider '' label although I sent them the certificate of disposition!!!

I was found NOT GUILTY FOR " unlicensed driving '' and I WANT CHECKR TO REMOVE THIS " CONSIDER '' ( consider means not clear, not pass ) LABEL!!!

I CAN NOT WORK FOR ALMOST 3 MONTHS BECAUSE OF THEIR MISTAKE.
Complaint sub-issue: No notice of investigation status/result

I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.
Complaint sub-issue: Confusing or misleading advertising about the credit card

The company applies interest daily immediately upon a purchase being made, and this is not clearly disclosed. Most traditional credit cards charge interest only on the balance left after a payment is due. Thus, to avoid any interest being applied, you must pay off each purchase as soon as the purchase is made. 

This was not clearly communicated to me, or I would not have chosen this card. This should be very clearly communicated before the card is used. 

The online statements do not include a description of how much daily interest has accrued and obscures these financing charges.
Complaint sub-issue: Trouble with how payments are being handled

For over the past year I have been trying to make larger payments on my student loans to help get them paid off. I noticed that my balances barely ever looked like they were getting any lower. I contacted them through email as their phone line is impossible to get through. I was sent back a generic response for if I needed assistance because of inability to pay. I had to spend over an hour trying to dig through information on their website so find out that they were putting any extra money that I clearly stated on my checks was for principal towards interest. This is sneaky and only in their best interest. I want all of my payments fixed!!!
Complaint sub-issue: Investigation took more than 30 days

Dear Equifax : Creditors : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Complaint sub-issue: Problem with rewards from credit card

Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  XXXX
Complaint sub-issue: Can't close your account

Dear PNC bank and Cfpb this bank refuses to close my account, and they are starting to tell lies now. 
I have never seen PNC at this way before I am so shocked, and a lady called me yesterday on the phone and said she would send me the {$12.00} the bank took this money with out my knowledge from my social security deposit money that was coming in. Please have them close my account today.
Complaint sub-issue: Account information incorrect

Hi there, I disputed inaccurate information on my Equifax credit report twice in  XX/XX/XXXX  ( confirmation #  XXXX   ) a nd  XX/XX/XXXX  ( confirmation #  XXXX   ). It  was about unauthorized hard inquiries. I asked Equifax to provide a verifiable proof I consented to these inquiries via FCRA se ction 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Eq uifax and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   XXXX    Date :  XX/XX/XXXX  Thank you
Complaint sub-issue: Debt was paid

On or about XX/XX/2021, I made a purchase at the Home Depot store in XXXX XXXX, Michigan, during the purchase the Cashier inquired as to whether I would like to open a new HD card and save a percentage of the bill. I agreed even though I've had a HD card for years Last four numbers ( XXXX ). Subsequently, I paid the remaining balance of {$21.00}. HD states the payment was misapplied to the old account wherein, according to HD the new account ending in ( XXXX ) should have received the payment of {$21.00}. 
Per the documents attached you'll find that once HD realized the mistake, they moved the {$21.00} payment to the New Account and proceeded to charge me Late Fees that now amount to {$140.00}. I've spoken with at least 4 different at HD whose Financial Credit Services are managed by Citi Bank to no avail. I owe HD nothing, my payment was made early, however, HD " misapplied '' the payment and charge costumers late fees?