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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX XXXX XXXXXXXX Acct XXXX XXXX Acct name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Acct name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Complaint sub-issue: Frequent or repeated calls

They are calling family members that do not have anything to do with said debt. They refuse to give any information and are harrassing the family member.
Complaint sub-issue: Investigation took more than 30 days

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, Equifax, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, homeless and XXXX. I never will apply for something I cant afford. Someone have been using my identity. Equifax have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX  with Equifax. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Complaint sub-issue: Company closed your account

On XX/XX/2022, I logged into my Citi credit card account to check on XXXX of my XXXX credit cards I keep with them. When I logged in, I was unable to access my Citi XXXX card and saw a message that said it was inactive. I was concerned because I had not deactivated or done any action to close the account. I was worried there was fraudulent behavior and called Citi at XXXX in the evening. I spoke to several reps, who advised that my account was shutdown by Citi because it was inactive for 15 or 18 months ( XXXXwo reps told me two different answers ). I was quite upset. This is my longest tenured credit account and it's important for my credit score. It was extremely unfair of Citi, and honestly pretty deceptive, to shut the account down without telling me. On top of that, when i asked them to re-open the account they said it would take XXXX business days AND require a hard credit inquiry, notwithstanding the fact that I have an XXXX XXXX and another open credit card with active usage with them. 

It was like Citi was intentional about damaging my credit and did so in a way that was unprofessional and hidden, they never reached out to inform me of their actions. I never received a notification my account would be closed. I had not read my credit terms in YEARS ( because I'd had the card for so long ) that my account would be shut down for inactivity, and they did not provide me any warnings or letters that it would get shut down. 

I pushed to escalate and was finally advised that a more senior customer rep would call me back shortly. I asked that they call me between XXXX and XXXX AM because I would most likely be unable to take a call later in the day. I heard nothing for several days then on XX/XX/XXXX, I received a call back at XXXX, which I missed due to my work. I've given up with them, Citi is punishing me for literally no action, my card was shut down because I hadn't used it, and that directly hurts my credit. To re-open it is a hard inquiry, further damaging my credit. I am going to look for a new home soon and every basis point of interest matters in a mortgage, so Citi 's crude incompetence will probably cost me several XXXX dollars.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX, XXXX XXXX, XXXX. I was made aware today via my report online after having made contact with debt collectors and doing research to follow the proccess to remove these unfair judgments and after being phoned repeatedly about these debt that I can dispute them in more effective ways, I did not incure these debts. I wasn't aware did not understand at the time I could dispute it or tell issuerer this debt is not mine.
Complaint sub-issue: Debt is not yours

Progressive MGMT SYSTEM has failed to validate a debt they 're claiming i owe for medical services rendered in XX/XX/XXXX. I sent out a letter requesting they do so in XX/XX/XXXX and then again in XX/XX/XXXX. I 've not received any debt validation from them, and just today they have flagged my credit report and added multiple derogatory collections, which has caused my score to drop again. My report is showing the debt being reported on XX/XX/XXXX for XXXX and then again XX/XX/XXXX for the amount of XXXX from services rendered at XXXX XXXX XXXX XXXX XXXX. I 've had medical since XX/XX/XXXX,
Complaint sub-issue: Information belongs to someone else

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Called before 8am or after 9pm

on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors, please delete the items as soon as possible.
Complaint sub-issue: Debt is not yours

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Balance updated XX/XX/2022 This Account doesn't belong to please remove from my Consumer report
Complaint sub-issue: Trouble with how payments are being handled

Up until Covid happened in XXXX, my loans were in good standing and paid on time every month through the Florida Dept of Education. I was temporally laid off from my job because we closed for 7 weeks. Under the federal law, ALL student loan payments were put on hold, this includes 0 % interest. At the time I'm writing this complaint, payments aren't due to be resumed until XX/XX/2021. I have recently gotten letters from Allied Interstate demanding payment on my student loans. Today I got a hefty envelope from them stating if I don't repay my loan, in full, they will start to garnish my wages!!! How is this legal??? How are they allowed to harass people about their student loans when there is a law in place the no payments are due!! This needs to be addressed!! Up until XXXX, when the Act took place, I paid my loan every month on time! PLEASE HELP!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX I do n't want to get any more collection notices/legal actions on me from any of these creditors.As, it was no fault of mine. 
CITI BANK ( 3 Credit Cards )
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives 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 inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt is not yours

a Macys credit card was used that I did not authorize with left a balance and a charged off account. I do not own this debt, I tried contacting the merchant and filing disputes but they did not assist me with rectifying the account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXt account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Before I begin Citibank I do not want this marked as a third request even though it is. My credit is currently in jeopardy and I need to take out a loan due to COVID-19 to support my family at this time you are reporting over 18 fraudulent inquiries that you said according to documentation that you would contact XXXX and have them removed. XXXX I have disputed these fraudulent inquiries sent you FCT police reports you send me copies of the credit report back stating that they have been removed and its a complete lie XXXX youre in violation of the fair credit reporting act once again. Citibank and XXXX this will be the last report to the CFPB next step I am contacting my attorney on retainer and we will meet each other in court. I have a long list of fraudulent inquiries that are holding me back from obtaining credit and supporting my family during this time and neither city bank and especially XXXX could care less. Citibank I have two accounts with you I have an XXXX and a secured Citi Card that is it those inquiries will remain with the following inquiries I am requesting that you send me document for each inquiry that you are planning on removing the inquiry and contacting XXXX if you have to pick up the phone and make it happen. XXXX happens to be one of the worst credit reporting agencies for filing fraudulent disputes and they are the cause of the 2017 XXXX Curity breach I find it hilarious maybe theyre trying to recoup phones by keeping fraudulent trade lines reporting and fraudulent inquiries on the credit bureau I find it to be a conspiracy and something needs to be done. Not in 30 days today thank you
Complaint sub-issue: Public record information inaccurate

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXXXXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX https : //equifaxconsumersXXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 


Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Problem with direct deposit

I have a direct express card. My card is locked, I access my money. I called on XX/XX/XXXX talked to them did what they said, for 8 days no one has answered the phone. XXXX dollar on my card I can't get, my elec. and water shut off. Still can't get an answer from Direct express customer service.
Complaint sub-issue: Information belongs to someone else

The collection agency is reporting the collection account XXXX  on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 90 ) days late on the XXXX COUNTY FCU partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Problem using a debit or ATM card

ATM card fraud. {$2400.00} was fraudulently taken from my US Bank account. After filing several complaints, hours on the phone, and being told in writing the fraudulent funds would be credited back to my account within 10 days, it has not happened. It has been more than 20 business days and emails are not returned.
Complaint sub-issue: Account status incorrect

Debt was paid to XXXX XXXX XXXX  and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Complaint sub-issue: Was not notified of investigation status or results

ON XXXX XX/XX/07, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE STILL ITEMS THAT ARE PRESENT THERE ON WHICH I FEEL LIKE THEY WANTED IT TO STAY THAT WAY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Complaint sub-issue: Didn't receive services that were advertised

My credit union, XXXX XXXXXXXX, advised me that my personal information may have been compromised by Equifax in a hacker attack. I was given the following webpage : https : //www.equifaxsecurity2017.com/ following the link on XXXX XXXX, XXXX. I was directed to another website to verify that my personal information was stolen, following the instructions to arrive at the website : trustedidpremier.com I entered the last six digits of my social security number and my last name was told that, in fact, my personal data had been stolen. I was told that my enrollment date was XXXX XXXX, XXXX and that I should return at that time to sign up for credit monitoring service. 

On XXXX XXXX, XXXX I discovered that Equifax set up a bogus website to tell all visitors that their data had been compromised. I discovered this by being directed to the following website : https : XXXX Someone investigating the Equifax website had entered fake data and was still told that, in fact, they should sign up for data monitoring service. 

I was defrauded. I was tricked into thinking that my data was compromised to sell me a service to repair damage for which Equifax is responsible for.
Complaint sub-issue: Transaction was not authorized

Wont give me access to attach my account to XXXX, to help me with finances this week
Complaint sub-issue: Debt was paid

I have a collections account on my credit report that was paid