Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

XXXX is still being reported on all 3 credit files already and per they request would remove off my credit file still is showing I want removed
Complaint sub-issue: Frequent or repeated calls

This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.
Complaint sub-issue: Other problem getting your report or credit score

I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Complaint sub-issue: Reporting company used your report improperly

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

This is account is reporting inaccurate information XXXX XXXX # XXXX on XXXX, Equifax, XXXX. 

On Equifax reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX  with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a citi AAdvantage credit card managed through Citibank XXXX. I called Citi on XX/XX/2021 to report fraudulent charges that I did not make to XXXX XXXX. I explained I had not purchase anything from XXXX and they said they would issue me a new card and investigate the charges. I called back Citi XX/XX/2021 when I did not immediately get my card in the mail and my online account continued to show additional charges to XXXX after my original call on XX/XX/2021. Citi assured me card was mailed recently and not to worry about the charges, payments and fees they will be cleared with the finish of the investigation. Called in early XXXX as account balance was still showing XXXX charges, the only thing charged to the card and flagged by me as fraudulent. A letter dated XX/XX/2021 arrived XX/XX/2021 from Citi XXXX XXXX, stated there was no fraud and I am responsible for {$1400.00}. The letter includes a reminder that they will report my account past due to consumer reporting agencies. In the letter, they purported that their investigation showed I provided the merchant my account information. I called Citi fraud services, XX/XX/2021 for resolution, asked for a XXXX but they could not provide me with answer as to why charges continued and the investigation had no supporting evidence or reason. I wanted resolution but only received an assurance the they will continue to investigate and " may '' call me back.
Complaint sub-issue: Problem using a debit or ATM card

On or about XX/XX/2018, Citibank contacted me via text message to inquire if a particular ATM charge ATTEMPT that took place in XXXX TX was mine in the amount of {$200.00}. I live in Maryland and was home in bed at the time that I received the text message and I denied the charge. I indicated via text that the charge was not mine and that my card must be shutdown immediately. Citibank representative called me right after my text and told me that on or about XX/XX/2018, two transactions DID go thru from the same ATM in the amounts of {$240.00} and {$260.00}. I happened to not check my account until after Citibank contacted me about the {$200.00} ATM attempt, which at this time I was upset that my account was missing {$500.00}. I asked the agent why did they allow the two transactions to go through and just not contacting me about the 3rd. She had not knowledge. She just said that the 3rd one was suspicious. After Citibank conducted their investigation, they indicated that after further investigation, they said that transactions SEEMED legit and that they could not honor my claim! I indicated emphatically that I could not have done it or authorized it because was in Maryland had not been in XXXX in over 3 months. Citibank would not even allow an appeal until I spoke with a high level supervisor in the dispute department. She indicated that I should file a police report to go along with the investigation. This has been a nightmare to get Citibank - whom I have been with for over 12 years - to honor me as a loyal customer and give back my money that was stolen through fraudulent activities.
Complaint sub-issue: Account information incorrect

Equifax has 2 attorney generals on my account which should only be one & which has been paid in full since XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Complaint sub-issue: Reporting company used your report improperly

I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.
Complaint sub-issue: Debt is not yours

UNIFIN INC IS TRYING TO COLLECT A DEBT THAT I DO NOT RECOGNIZE REFERENCE # XXXXI AM ON SSI AND MY INCOME IS FEDERALLY PROTECTED, I WOULD LIKE A VALIDATION OF THIS ACCOUNT.
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. 
XXXX DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 information is inaccurate.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$1400.00} {$2200.00} {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 









Sincerely, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number XXXX please review.
Complaint sub-issue: Can't get flexible payment options

XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP
Complaint sub-issue: Was not notified of investigation status or results

On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the Equifax data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Account status

I paid an account with XXXX XXXX XXXX. I submitted the paid receipt to Equifax ( attached ) and they left the balance on the account. This is a violation of my rights under federal law.
Complaint sub-issue: Problem accessing account

Description : I have an account with coinbase. I have purchased crypto currency with coinbase. I have been locked out of my account with coinbase since XX/XX/XXXX. I have called and have 5 ticketsrequesting each time to have my account unlocked. I have had no response, no resolution to date XX/XX/XXXX. I did notify coinbase if they did not give this matter there immediate attention last week I would be filing this complaint. I have been hung up on by coinbase customer service reps today XX/XX/XXXX which is what prompted this complaint. 

The issue is during the 2 step verfication I am able to put in my password and receive the text from coinbase. However, during the 2nd step coinbase is to send me an email to confirm to my email address on file. They are failing to do this. 
Thus I can not access my account. I can not even file a complaint with coinbase online because in order to do that you must receive an email to confirm your complaint and I am not receiving any emails from coinbase? I have many other accounts with other exchanges I can tell you this is the worst customer service of all by far. With all other exchanges online you can speak to a representative in a chat, an resolve simple issue like this. Not with coinbase. No one in customer service can and will do anything for you. You can hear people playing in the back round like this is a joke, unprofessional conduct. I am sure if it was there money it would not be so funny. For me this is a very serious matter. Coinbase is a company that represents US and billions in currency now and in the future the customer support and service is a 1 out of 10 because at least someone answers the phone that how they get a 1.This company has way to much money to have such poor training and human resources and customer support. I hope all my crypto is still in my account?
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX
Complaint sub-issue: Public record

I received my credit report from Equifax and it contained one public record which I have disputed and it came back satisfied and released. I have spoken to the clerk of both courts and have been told they do n't report nor provide any information to credit reporting agencies including Equifax. Moreover, court records do not list Social security numbers. I would like to know how Equifax verified this account and updated the status to satisfied and released. My SSN and the SSN listed in the courts do not match. So how does Equifax tie this account to me ( MY NAME ). My Social security number does not match what is in the court records. If the court records do n't match my records Equifax needs to have documentation that matches my exact XXXX digit SSN, if it does not Equifax must DELETE this account from my credit profile..
Complaint sub-issue: Information belongs to someone else

As a victim of identity theft. 

On XX/XX/20 I sent a letter to Equifax stating that I was a victim of identity theft ( XXXXsigned copy _Identity Theft Letter to Credit Bureau_ Equifax_Fraud Victim Assistance ) The letter was sent Priority Mail Express 1 day, with a tracking # XXXX, and was in Equifax possession as of XX/XX/20. 

The letter explained to Equifax that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 

This letter also contained the following enclosures : Identity theft report, Police reports, Identity Theft affidavit, Victim Authorization to Law Enforcement, Proof of Identity, Copy of Credit Report, Fair Credit Report Act Section 605B, and lastly a copy of a certified Letter Sent to Equifax on XX/XX/20, as of XX/XX/20, Postal Tracking indicated it was not delivered. 

On XX/XX/20, I received a letter from, Equifax dated XX/XX/20 stating that they received my request concerning blocking of certain information on my Equifax credit file. 

Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of FCRA, is not blocking the information subject to the submitted Identity Theft Report and/or Police report you provided as part of my dispute.

The letter goes on to state they are contacting the source directly and performing an investigation within 30 days.

Equifax is depriving my consumer rights by willfully failing to comply with the FCRA requirements to block the reporting of fraudulent information in my credit report, after they were presented with an identity theft report, in violation of 15 U.S.C 1681c-2.

As required by 15 U.S.C 1681c-2 ( a ) Equifax is required to block the reporting of any information in my my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Despite the FCRA 's requirement, Equifax has declined to block the reporting of fraudulent information by wrongfully rejecting my valid identity theft report and relying instead on the same verification procedures it uses for common disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Complaint sub-issue: Reporting company used your report improperly

I have notified Equifax about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Equifax reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY. There is no proof that I initiated these hard inquiries. If there is proof, Equifax should provide the proof to me. Equifax has never provided any proof because there is no proof.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX/DOFED accounts opened XXXX/XXXX/2016
Complaint sub-issue: Information belongs to someone else

Credit Reporting Agency Equifax continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have two CITI credit cards. One is the CITI Costco Anywhere Card and the other is a CITI Diamond Preferred Card. Earlier this year they lowered my available credit limit on the COSTCO anywhere card, cutting the available credit line down by thousands. I contacted them and they told me there was nothing they could do and it was based on credit reporting. Now, I have received a credit limit decrease on the CITI Diamond Preferred Card. I was told again there was nothing they could do, I would need to clear it up with XXXX  it was decreased based on credit reporting. None of my accounts on my credit report are negative, I have a 100 % payment history on ALL accounts, and until there decreases had on the Costco card {$3000.00} available and on the Citi Diamond card {$740.00} available. Now those cards have an available balance of between {$100.00} and {$200.00}. Again, I have not missed any payments and have been working on paying those cards down, the company says they can NOT help me and I must take it up with the credit reporting agency. I have made no new charges on the CITI Diamond Preferred and have paid on time, with the available credit increasing each month, until now when they suddenly decreased it setting me back. This has a huge negative impact on my credit rating which i am attempting to repair after undue expenses.