Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 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.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

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Complaint sub-issue: Can't close your account

I am trying to close an old account. As I don't have an active phone number on file ( was not required when I set up the account ), Citi Bank have advised only that I must visit a branch to provide ID ( as part of their understandable Fraud Verification process ). 

I have explained that I am unable to visit a branch and am willing to provide any other verification methods ( as I have done before with their Customer Service team ). 

When I tried to explain that I could not visit and do not have a phone registered with them, the agent said " I've already explained that you must come in ''. 

When I asked if there was an escalations process or a regulator, they said there was none. They then hung up the call.
Complaint sub-issue: Reporting company used your report improperly

Im resending complaint for XXXX complaint. you closed the complaint saying you didnt recognize customer. Attached is my id to validate who i am. 
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT
Complaint sub-issue: Their investigation did not fix an error on your report

I had a deferred interest loan/card with Synovus Bank / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.
Complaint sub-issue: Didn't receive services that were advertised

I am beyond frustrated with the level of customer service I have received thus far and am pretty much convinced Equifax is making it impossible for me to login to my account and put a freeze on my credit report. 

I setup an account and logged in last week. I was informed that my request can not be completed and that a pin would need to be mailed to me. I received the letter a week later and followed the instructions. My account was confirmed and I was instructed to login. I attempted to login and received a message to call Equifax. I call the number and I'm put on hold for 30 minutes and hung up on. I call again and press 1 to request a call back. I receive a call back 30 minutes later and the person is VERY RUDE and tells me they need to transfer me to a specialist. I am hung up on again. I call back and on hold for 15 minutes. I press 1 to receive a call back and receive a message that I already requested a call back and i'm hung up on again. I tried the online chat, explained my issue and am told to call the same useless number. 

I am very frustrated and don't know how i'm supposed to access my account to freeze my credit report to protect myself from fraud!
Complaint sub-issue: Funds not received from closed account

TCF Bank closed my checking account # XXXX, for a unknown reason, but still hasnt mailed me a cashiers check for the remaining balance in my account which is {$1100.00} from my U.S. Department of Treasury Stimulus Check. TCF Bank is illegally and unlawfully holding my funds in a closed checking account. I dont want the TCF Bank Checking Account. I want TCF Bank to immediately close the checking account and mail me a cashiers check for the remaining balance in the checking account.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax and the others will be making money from the victims of the Equifax fraud as the solution, freezing the account, costs money. Equifax should not onlyl pay for each of these freezes and subsequent defreeze, but also set up a fund for the victims. 
Please do n't allow yet another fraud on the consumer victims be paid for by the victims when the responsible party gets away Scott free.
Complaint sub-issue: Debt was paid

I take XXXX XXXX XXXX XXXXXXXX to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies Rausch Sturm LLP debt collectors and that company sold was form XXXX the amount own XXXX
Complaint sub-issue: Problem using a debit or ATM card

XXXX with the executive department refused to assist me, nor answer my questions regarding a fraudulent charge, almost three months ago. Key bank has not investigated the fraud, not shared pertinent information with me, so that I can defend myself legally, against false charges regarding this entire debacle. The person committing fraud, filed false police charges, Key bank said, " oh well, that's your problem and doesn't have anything to do with us. At all. '' Then XXXX copped a major attitude when I refused to allow her to berate and degrade me on the phone about my " many addresses '' and all sorts of outrageous things she felt entitled to inflict upon me. My address instability being the reason they have failed to do their jobs on a basic level, instead of mailing me requested documents that are needed for LEGAL PURPOSES, according to XXXX. Also, that she " would try '' to possibly get me the requested information pertaining to the fraudulent charge, which she clearly had no intention if doing. They have blatantly blocked me from vital information to my case, in particular, what was the ACTUAL AMOUNT of the fraudulent charge. They have been lying to me for almost three months now, that the person who victimized me somehow knew the exact amount in my account and only charged EXACTLY that. Well, that's impossible, and they refuse to answer the question law enforcement has asked me, WHAT WAS THE FRAUDULENT CHARGE AMOUNT? Not a good look.
Complaint sub-issue: Didn't receive notice of right to dispute

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX to be blocked based upon attached id theft report. Also requesting items to be deleted but BLOCKED if not deleted. These accounts have been blocked and deleted in past. Please see prior to XX/XX/2021 the items were BLOCKED but when my credit reports were merged it some how brought it back. Confirmation number : XXXX
Complaint sub-issue: Information is not mine

There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a Georgia address, apparently opened a XXXX credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, Oregon Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and Equifax and I notified XXXX. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted XXXX, XXXX says the charges are valid. 

I am unable to reach XXXX. I tried again today and they just gave me the Identitytheft.gov website and phone number.
Complaint sub-issue: Other problem

The problem with this issue is rather simple. I have held a Citi Credit Card for almost 18 months. Per the card holder agreement, after 18 months the card would become unsecured. I received a notice stating that that Citibank has decided to continue to hold my deposit and keep my card secured, as this will continue for another 12 months. This is highly deceptive. I have paid on my credit card with Citibank, without a single delinquency. I have stayed within my credit line and I have even opened more credit cards, which are not secured. I have opened a checking and savings account with Citi, in XXXX. I do not understand why Citibank is doing this. They have issued me a XXXX credit card with a {$800.00} limit, which is from their retail side. I certainly understand if there was a horrible pattern of delinquency, but there is nothing. I have cleaned out and cleared all collections on my report. I have refinanced my car at a far lower rate. My credit economic and income situation has changed greatly and to the positive since I obtained this credit card back in 2019.
Complaint sub-issue: Was not notified of investigation status or results

I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

BACK IN 2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THAN ONE ITEM THAT DOSE NOT BELONG TO ME AND NEVER HAS .THE REPORT I AM REFERRING TO IS MY EQUIFAX REPORT YES I HAVE TRIED REACHING OUT TO THEM WITH NO LUCK .IT SHOULD NOT BE A PROBLEM WITH REMOVING THESE ITEMS DO TO THE FACT THERE IS A FRAUD ALERT ON MY REPORT AND I WAS A VICTIM OF IDENTITY THEFT. THE ITEMS ARE AS FOLLOWS XXXX XXXX XXXX ACCT XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX. I WOULD LIKE THESE ITEMS REMOVED IMMEDIATELY.
Complaint sub-issue: Right to dispute notice not received

In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me!
Complaint sub-issue: Billing problem

My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date. 

I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX. 

VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today. 

XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.
Complaint sub-issue: Information belongs to someone else

To whom this may concern, my name is XXXX XXXX, and I am writing this statement on my behalf of myself. I have recently discovered that I am a victim of identity theft, and my information was used without my consent. I was a victim of identity theft and seemed to be targeted again. The following accounts/inquiries have been added to my report without my knowledge or consent, and I am requesting for them to be removed immediately : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

AFNI is reporting an outstanding debt in the amount of {$110.00} to my credit reports. This alleged amount was previous sold by XXXX to another company ( a BBB complaint was successfully filed against XXXX XXXX XXXX XXXX ), and was illegally sold again to AFNI. To date, I sent a letter to validate this date to AFNI, and there has been no correspondence received from them. 

At no time have I entered into any contractual arrangements with AFNI XXXX. Afni XXXX was aware of a dispute raised electronically through AFNI 's XXXX, XXXX, and XXXX inquires and collection tradeline. 

A XXXX tracked letter was sent to AFNI that this debt is illegal and invalid, and they are still attempting to collect on this illegal debt.
Complaint sub-issue: Information belongs to someone else

The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote Equifax, XXXX  and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

I looked up my credit report and there was a information on it that I had applied for a loan for a house and I was wondering what has happened because I have not ever applied for any loans, ever. I hope that we can resolve this so I dont have anyone trying to establish any lines of credit in my name.
Complaint sub-issue: Information belongs to someone else

XXXX Opened XX/XX/2018 {$350.00} Original creditor : XXXX Opened : XX/XX/2018 XXXX 1 yr, XXXX mos ) Account status : Open Responsibility Individual Original Creditor Name XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this dispute about my XXXX  MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX  card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.
Complaint sub-issue: Trouble with how payments are being handled

MOHELA is not giving me credit for XXXX years of credible federal public service for my recently consolidated loans with them. I have made qualifying payments for over XXXX  years and they are not correctly applying them for my loan forgiveness. I have reached out to them several times and they will not correct the issue.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX 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