Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdraft charges

On XX/XX/XXXX, I attempted to make a payment to my Citibank credit card company for {$500.00} dollars. I accidentally selected an account from XXXX XXXX XXXX that I had to close for fraudulent activity on XXXX 's part. 

That was my mistake. I updated the banking information and processed another payment, and requested that the closed account be removed. The customer service person told me that they would remove the closed account. 

I logged in XX/XX/2019 to make an additional payment. I attempted to make a payment for {$900.00}. I specifically selected the correct account, since the wrong account had not been removed from my portal. Citi 's website re-selected the correct account, and when I noticed the next day, I called them to fix the issue. 

They told me I could go on line to make another payment, and that they would not be able to stop or correct the payment that was made. I again logged in to their website, and made 100 % sure the correct bank account information was selected. This was on XX/XX/XXXX. 

Again, Citi drafted payment from the incorrect account. 

Today, XX/XX/XXXX, I got a notice that my account was suspended for returned payments. I reminded them that I had called on several occasion regarding this same issue, but that their agents refused to help with the situation. 


Interestingly, I am still barred by Citi from removing the offending bank account. They continue to add more fees and more charges, and refuse to allow me to use the card.
Complaint sub-issue: Their investigation did not fix an error on your report

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( 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 as soon as possible : XXXX 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

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.
Complaint sub-issue: Banking errors

I attempted to rollover my Health Savings Account from XXXX to Optum Bank ( part of Optum Financial ). Initial rollover request was submitted to XXXX on XX/XX/XXXX. XXXX sent the check which were lost by Optum Bank and eventually cancelled by XXXX. This was repeated three times. Finally, check # XXXX dated XX/XX/XXXX for {$34000.00} ( image attached ) was received by Optum Bank and cashed. XXXX confirms they have the canceled check. The funds have never appeared in my HSA account and Optum Bank says they can't find them. I have called numerous times ( call log with reference numbers attached ) and asked this be escalated - to no avail. Optum Bank told me the only way to resolve is to file complaints with CFPB, XXXX  and FDIC.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I asked Equifax and XXXX  for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud
Complaint sub-issue: Card was charged for something you did not purchase with the card

Company called Flex shopper is constantly charging my credit card unauthorized charges and I keep having to call my bank to dispute. Their reason is that my account is past due. I make payments and did not authorize this company to take payments off of my card automatically. I also requested my card be deleted from their files. I was advised my card information was deleted but this was not factual.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2016 XXXX XXXX XXXX CT- XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Complaint sub-issue: Information belongs to someone else

I received a message from Equifax that a Hard inquiry had been added to my credit report. Knowing that I had not applied for anything since XXXX  of XXXX, I went on to investigate. The Inquiry is from XXXX XXXX XXXX- Personal Loans and it states the inquiry is from XX/XX/XXXX. 

I immediately disputed with Equifax and have still been unable to open the PDF that was sent to me with their decision. I called and they stated that I would need to log on to your web site and file a report in order to get the hard inquiry removed. I have also added a freeze to my accounts so hopefully this can not happen again. 

I also tried 4x to contact XXXX XXXX XXXX, 2 times I was left on hold, the other 2 times I was transferred to a manager, no names given, and left messages only to not receive any communication back. 

I would like to get this removed from credit report as this is something I didn't apply for and would be very interested on how they got my information!
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX  XXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX : XXXX XXXX Account number : XXXX XXXX : XXXX Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus XXXX XXXX, XXXX XXXX Equifax have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable by perjury under 18 U.S.C. 1621. These items in my credit report are not related to any transactions I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. If you feel I obtained goods or services please have a senior XXXX from your company certify under the penalty of perjury that i received goods or services. These companies are in violation for putting these unknown hard inquiries on my credit report. This has caused unwanted suffering and is defamation of my character. These hard inquiries are not mine and I did not authorize it. Please investigate and remove it from my credit report asap. 


XXXX. XXXX XXXX Date : XXXX
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Complaint sub-issue: Reporting company used your report improperly

on XXXX I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, Equifax, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for Equifax XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?
Complaint sub-issue: Card opened as result of identity theft or fraud

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE TRIED NUMEROUS TIMES TO REACH OUT TO DISCOVER AND ALSO TO THE CREDIT REPORTING BUREAUS, AND MY REQUESTS ARE BEING IGNORED TIME AFTER TIME. WHAT ELSE I CAN DO TO PROVE THAT I AM VICITM THAT THE CARD AND THE CHARGES ARE FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT. I NEVER USED THIS CARD AND NEVER REQUESTED THIS CARD. I NEED THE DISCOVER CARD TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. XXXX  AND XXXX  NEEDS TO BE REMOVED IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.
Complaint sub-issue: Debt was result of identity theft

I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. 

This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. 

This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent a certified letter to Equifax to remove some inaccurate information on my credit report ; they were four accounts. I got my certified receipt back saying that a XXXX XXXX received it on behalf of Equifax on XX/XX/XXXX. XX/XX/XXXX I heard nothing and gave them a 15 day grace period. After the 15 days, I sent another certified letter to them on XX/XX/XXXX with a copy of the return receipt, my original letter, and a new letter saying that they are 30 days past due and need to remove the items. XXXX XXXX again received it on XX/XX/XXXX. I called Equifax on XX/XX/XXXX to follow up and according to Equifax XXXX XXXX ( XXXX  number : XXXX ) my XX/XX/XXXX letter was not received and the investigation was barely started on XX/XX/XXXX. They had no record of the XX/XX/XXXX letter being received, despite me having proof via the return receipt that they received it on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of  the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.
Complaint sub-issue: Account status incorrect

This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, Fedloan servicing has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a XXXX XXXX. My mom & I sat down as I returned from XXXX and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on Equifax. We contacted XXXX & XXXX XXXX bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both XXXX XXXX & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see Equifax is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), XXXX XXXX credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & XXXX XXXX. XXXX did their job and removed it for Fraud. XXXX XXXX has not. How did a large national bank such as XXXX XXXX allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 US 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: Public record information inaccurate

on XX/XX/2020 I sent letters to Equifax and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file
Complaint sub-issue: Account status incorrect

I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all XXXX of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED
Complaint sub-issue: Information belongs to someone else

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}
Complaint sub-issue: Received bad information about your loan

I recently transferred my loans from XXXX XXXX to XXXX XXXX in hopes of eventually pursuing public service loan forgiveness. After taking nearly 3 months to complete the transfer, Fed loans have incorrectly counted the amount of qualifying payments towards PSLF that I have made ( they count only 12, while my records show 28 qualifying payments ). I call them to discussed this and spoke with employee ID XXXX who stated that she agreed that it appears that an error has been made on their part, but states that it would take a minimum of 3 MORE months to correct.
I can not understand what about counting payments takes 3 months to do. I understand that these payments must be deemed " qualified '', but this company has already had my records 3 months. Now they want another 3 months. It can not possible take HALF A YEAR to correctly count payments, can it? 

I need to make life-altering decisions over the next few months that might be affected by my faith in this program 's ability to do what they have promised.