Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Can't temporarily delay making payments

Sallie Mae is refusing to grant me a forbearance on my student loan. I recently lost my job and have been pleading for assistance with obtaining a forbearance. They have threatened to report me delinquent to the credit bureaus. I have good credit and any NEGATIVE reporting will drastically affect my credit. 

Sallie Mae is blaming XXXX for having a block/freeze lock on my credit report file and this is the reason they are denying me a forbearance. 

XXXX stated there is no block/freeze on my credit report file!
Complaint sub-issue: Cashing a check

I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. 

Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years
Complaint sub-issue: Reporting company used your report improperly

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : $ {$650.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Complaint sub-issue: Didn't receive enough information to verify debt

I received calls with no answer on the other line I said hello multiple times with no response. On XX/XX/2022 that a payment was already taken from my account without any previous notice or authorization for XXXX dollars. On XX/XX/2022 I received another email that XXXX dollars were taken from my account again both of these funds were collected without prior notice or authorization. I call company on XX/XX/2022 asking questions about account, balance, and anymore information on this so called debt. I requested a letter they stated this can not be mailed to me I attempted to set up arrangements that I could pay they were unwilling and stated I dont know why you want to set that up might as well not pay thats nothing. I then asked to speak with a supervisor and was told the supervisor takes care of the whole off because I refusing to pay other legal actions would take place. They then acted like I was being transferred to a supervisor no one answered the line and I was sent to a voicemail. I called back to verify the status of my account and I was told to stop calling there. This was a very unpleasant experience.
Complaint sub-issue: Debt is not yours

I had check my credit report and it show that I have a collection due from XXXX XXXX cellphones company since XX/XX/2007. This is a 12 years ago matter. I been contacting XXXX XXXX  company and they said that is nothing they can do because I dont have the supposed account number. I am stock on a circle here. Please help me to resolve this matter. Do not know if I will have to hire a lawyer to take care of this. Thank you
Complaint sub-issue: Debt is not mine

Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
Complaint sub-issue: Reporting company used your report improperly

Information has been stolen from Equifax as a part of the recent data breach.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Can't close your account

I was on checking and savings accounts with my Mother. She passed away on XX/XX/XXXX. I also had Power of Attorney for my Mom 's Estate. 

On XX/XX/XXXX, I sent a letter to the Bank explaining the situation and asking that the accounts be closed and the proceeds sent to me for distribution. I included copies of my Mom 's death certificate and Power of Attorney, along with identifying information for the accounts. A few days later I received a phone call from a " Life Events Specialist '' acknowledging receipt of the letter and inviting me to call her with any issues. After several weeks of hearing nothing, I called the specialist back at least three times, but never received a return call or email. 

On XX/XX/XXXX, I sent a second letter to the Life Events Department by Certified Mail, asking that they contact me about the status of closing the account. I also sent a number of emails, both to the generic email address for the Life Events Department and the specialist who originally called me, but again I received no communications. 

Frustrated, I simply transferred the savings account balance into the checking account, and wrote myself a check depleting the account. 

Now I am getting letting from the Bank charging me monthly fees and threatening that if I do not pay them, I may be subject to "... Overdraft Paid Fees, collection efforts, and we may report your account to consumer reporting agencies. This could impact your ability to obtain service at other financial institutions. '' It should not be this difficult to close a small savings accountant and checking account, and at every least, I desire the courtesy of a return communication to my multiple letters, emails and telephone calls. I would appreciate any assistance you can provide. 

Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.
Complaint sub-issue: Funds not handled or disbursed as instructed

Opened a Citi Checking & Savings accounts for a {$700.00} bonus.

- Funded the account and completed per instructions from beginning - Multiple times check with Customer Services if I completed all requirements and always received the " Yes, you follow all requirements & will receive a bonus around the end of XXXX '' - Never received the bonus > Submit a Case to Citi team > The response was " Unfortunately, your account does not qualify for this promotion because the Citi Global transfers are not considered a qualifying deposit. '' - I called Citi to follow up and was told I can't respond to the result of the ticket, and nothing else I can do. When I applied for the account, there is no info in the disclaimer or any info related to " Citi Global deposit '' is not acceptable.
Complaint sub-issue: Reporting company used your report improperly

Upon reviewing my credit report for accuracy I noticed that XXXX XXXX XXXX XXXX reported my account as 30 days late for the month of XX/XX/2022. Under Usc. 1681 It states I have a right to privacy. I never gave my permission to put any of my info out or to anyone.
Complaint sub-issue: Was not notified of investigation status or results

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

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Complaint sub-issue: Banking errors

According to my accounting software and a review of all my statements reveal that I have had a total of XXXX in debits since the account was opened and a total of XXXX in credits. This would leave a balance of XXXX in my account as of XX/XX/2020. 

However, my current balance shows a balance of XXXX, a discrepancy of - XXXX. 

I have requested an account audit, however, Citi is unable to provide this. 

Please assist.
Complaint sub-issue: Debt is not mine

I have received debt collection letters from XXXX different debt XXXX over the past XXXX demanding payment of {$1000.00} for goods or services owed to XXXX. 

The original collection letters and payment demands contained a name similar to mine and addressed to an unknown address for services of unknown nature. 

The most recent demand letter came from AFNI Inc. and I sent them a certified return letter informing them that this was not my debt and to cease and desist with further collection attempts as per FDCPA requirements Also to validate the debt via a copy a signed credit agreement or contract for goods or services associated with the alleged debt. 

AFNI Inc. answered my certified letter advising that they would acknowledge my request to cease and desist with contact and a blank payment coupon from XXXX dated XX/XX/2015 that has since been altered to reflect my business address and last name spelled correctly as proof of the debt.
Complaint sub-issue: Reporting company used your report improperly

I did not give write nor verbal authorization to Regional Acceptance Corporation to review my credit report.
Complaint sub-issue: Information belongs to someone else

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
Complaint sub-issue: Was not notified of investigation status or results

Hello, my name is XXXX XXXX and I received my credit report to find that XXXX  put something on my report that was NOT authorized by me, they did not have my written consent.
Complaint sub-issue: Debt is not yours

Multiple letters have been sent out to Equifax Credit Bureau. Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information is not mine

I was a victim of identity theft and the person who stole my identity had used my social and had my credit ran to receive services. Detailed list includes the XXXX hard inquiry in which they got approved for services fraudulently is still on my credit report even though this was reported as fraud with my sheriff 's dept and an affidavit from FTC was submitted. This item is being used by someone in XXXX and the service address is showing XXXX. I live in XXXX and dont live in XXXX. Another one, XXXX XXXX, I dont have any credit cards and havent applied for any credit cards, and someone is applying every few months with XXXX XXXX, again, this is fraud and the credit reporting companies are refusing to remove this item. I have sent letters in writing with copies of my police report with XXXX County Sheriff # XXXX and my signed affidavit from the FTC has been submited to each company I have disputed with so these need to be removed. There are about XXXX accounts between the last year that this person used my social to obtain a hard credit inquiry for and also XXXX collections account from XXXX for XXXX that was confirmed fraud and needs to be removed.
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  Account # XXXX by XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a online purchase of {$800.00} with XXXX with 75 day 's delivered guarantee or full refund on XX/XX/21, I was given a fake tracking number that doesn't exist XXXX, saying it was delivered to my home. I contacted all major shipping carriers, the tracking number exist. 
Its XXXX XXXX haven't received my items or good 's yet! 
I dispute a claim 3 months ago and still Citi Bank keeps telling me I'm the responsible person every 30 day 's or so. 
I'm very agitated, plus I keep getting broken up speaking English people in the dispute specialist that doesn't even care. I have tag all documents proof about my order I need help.