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

In accordance with the Fair Credit Reporting Act, XXXX account 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX has reported 2 late payments after I decided to pay the loan off early this show on all 3 of my credit reports
Complaint sub-issue: Public record

I filed for a chap XXXX in 2008 in which the lawyer ripped me off and even though I had n't had any continued dealings with the Lawyer, the proceedings continued resulting in a dismissed Chap XXXX. I admit I lacked education at this time and did n't know I would be haunted years later even at just the attempt to file and be robbed for XXXX. I have disputed this item for several years and still Equifax reports this years later regardless of Section 1681 ( a ) ( 5 ) of The FCRA which mentions nothing suggesting this to be reported continuously for ten years
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/19 -Disputed incorrect data on my accounts with equifax , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX account XXXX doesn't belong to me XXXX XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data
Complaint sub-issue: No notice of investigation status/result

I called Equifax and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the items immediately since they are ruining my credit.I also tried uploading supporting documents online but their system is more inadequate then their employees and always give me errors which I know to be incorrect.I contacted all XXXX credit bureau s in the same exact time and so far ONLY XXXX corrected the issues the XXXX and EQUIFAX seem to be helping the defrauders more than the victims.Shame on them!!!!
Complaint sub-issue: Problem during payment process

On XXXX XXXX, 2017, I attempted to access www.citicards.com to pay my credit card bill with Citibank. I 've paid my bill this way for a number of year. My account with Citibank has been closed a number of years, dating back to when I refused to agree to an interest rate increase. When I input my log in information into the website I received a message that my identity needed to be verified via phone call or by " another way ''. I selected the telephone call and waited for the call to come in for around 10 minutes. In this time I did not receive a call. I then attempted to log in again and this time selected the verify my identity another way option. That option landed me on a page that instructed me to call customer service. I called customer service and spent close to 45 minutes on the call before being informed that I could n't access my account online because I had a closed account. They offered no explanation as to why I 've had online access with a closed account for years and it suddenly was cancelled. I was told that I could register my online account if I had the physical credit card. I informed the customer service agent that I no longer had the card since the account had been closed for years and asked if she could provide my full account number to me. She refused citing security reasons. I am left with a situation in which a creditor has knowingly and against my wishes removed online access to my account. This makes it much more difficult for me to remit payment to them in a timely manner. I believe this action was taken to increase the likelihood that I will miss a payment or have a payment arrive late. Then they would have the opportunity to charge me late fees and increase my interest rate. This is a clear violation of UDAAP in my eyes. There is not logical business sense to cancelling an account holders online access outside of hoping it leads to increase in missed or late payments and ultimately more fee and interest income for Citibank.
Complaint sub-issue: Problem using a debit or ATM card

I spent 4 days telling them unauthorized charges and I faxed the list. The bank could tell nothing.
Complaint sub-issue: Account status incorrect

Two of my three consumer credit reports ( XXXX  and Equifax ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/XXXX, while Equifax shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Complaint sub-issue: Trouble with how payments are being handled

I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.
Complaint sub-issue: Old information reappears or never goes away

This account ( medical ) was disputed and REMOVED on XX/XX/2020. 

XXXX XXXX XXXX  XXXX for {$49.00}. 

It has since reappeared on my credit report. This is illegal and not correct so I want this removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing an erroneous collection account initiated by XXXX XXXX XXXX and reported to all XXXX credit bureaus in XXXX of 2021 by XXXX XXXX XXXX. I have requested at least XXXX independent investigations and additionally, per Section 611 ( a ) of the FCRA, I sent a letter requesting they provide the information they used to make their determination. I never received any results-they only tell me it's been updated with no validation of the debt provided to me. I have sent certified mail on every occasion and have never received any written response as I've requested. Furthermore, I have been successful in removing the same entry from XXXX as well as XXXX. Moreover, I've been contacted by XXXX XXXX ( the original creditor ) via email indicating they too have requested the entry be removed as it was never to have been reported as such. In fact, they have even finally agreed to return monies owed to me since XX/XX/2021. I'm requesting Equifax do the correct thing and remove this entry from my credit IMMEDIATELY. The consequences of the drop in credit rating and the reporting of this erroneous debt has been devastating-causing my rating to drop some XXXX points in one agency. I take pride in maintaining a very healthy credit score and as such have always paid my bills on time-such is reflected without this entry. Again, this debt has never been validated despite my continued disputes and requests for reinvestigation. The credit reporting agencies are NOT DOING THEIR JOBS!
Complaint sub-issue: Account information incorrect

I recently received a copy of my EQUIFAX credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  EQUIFAX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EQUIFAX ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
EQUIFAX has VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Complaint sub-issue: Account information incorrect

increase of XXXX on my card that i have already made payment, they decreased my fios score by 39 points, unbelieveable.
Complaint sub-issue: Debt is not yours

I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX. 
I did not opened that account. 
I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed. 
They refused to comply with my request. 
they gave me a name and address of the person who opened the account in my name. 
I do not know this person. 
This person lives in another state. 
This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau. 
This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed. 
Furthermore, they knew my name was different from the person on the account. 
So why damage my credit when I didn't opened that account.
Complaint sub-issue: Deposits and withdrawals

I opened a cashback checking account with Discover Bank and made an initial deposit of {$25.00} dollars via ACH transfer from my XXXX account. It took Discover Bank approximately 24-48 hours to take the funds and an entire week to release the funds to me. I then proceeded to make another ACH transfer for {$25.00} which was removed from my XXXX bank account onXX/XX/XXXX.  Discover Bank will not give me access to my money until XX/XX/XXXX. They are holding my money for more than 2 weeks. On XX/XX/XXXX i called customer service and i was basically told " oh well '' " that 's when you 'll get your money. '' I was informed that THEY " Discover Bank '' had to make sure my ACH request was n't fraudulent. I told the customer service rep that i would be more than happy to get XXXX on the phone with them, so they could verify me. Discover said NO .... So basically, I dont get access to any money i deposit into this predatory bank until whenever THEY feel like releasing it. Discover Bank should be investigated and fined for that kind of activity. My account number at Discover Bank is XXXX and the last four of my social is XXXX.
Complaint sub-issue: Reporting company used your report improperly

I have filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.
Complaint sub-issue: Reporting company used your report improperly

USBANK needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Complaint sub-issue: Other problem

This is a further issue with regard to complaint : XXXX IT APPEARS THAT CITIBANK IS ATTEMPTING REPRISAL FOR THIS COMPLAINT. 
CitiBank sent a letter received today indicating that they intend to issue a check for {$390.00}, which is {$33.00} less than what I am owed. The letter states that they are withholding this amount due to a disputed charge. Looking at my account record online, a 'reverse partial merchant credit ' item has suddenly appeared with a date of XX/XX/19, nearly one year ago. That item has not appeared on statements I have in my possession since I closed the account in XXXX. Upon further checking, it relates to fraudulent charges that I reported to CitiBank immediately upon discovering them last XXXX after CitiBank 's security system triggered an alert for a suspicious charge. They were made at a hotel in XXXX XXXX XXXX when I was in the United States. There were two, for {$140.00} and {$87.00}. I was half a world away, knew nothing of this place, and certainly had not authorized any charge. I made my report within minutes and the CitiBank rep indicated that another charge was being attempted by someone at the hotel in XXXX XXXX while we were on the phone, and I was in the US. This was clear fraud resulting from stolen information. CITIBANK POSTED THE REVERSAL OF CREDIT FOR THAT FRAUD SEVERAL DAYS AFTER I FILED MY COMPLAINT WITH THE CFPB. THIS APPEARS TO BE RETALIATION FOR MY COMPLAINT. Note also that they were quick to send this letter but no refund has been delivered so it remains unclear if they will be sending anything.
Complaint sub-issue: Their investigation did not fix an error on your report

Inacurrate and fraudulent accounts reported from my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX account closed and paid in full XXXX paid in full XXXX account not related to me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax XXXX : XXXX XXXX RE : Equifax Data Breach This letter is a follow up to my original letter regarding inaccuracies in your credit reporting, regarding the unauthorized credit hard inquiries entries being reported under XXXX Hard inquiries EXACTLY ONLY from XX/XX/XXXX & EXACTLY ONLY from XXXX XXXX, XXXX. XXXX XXXX BANK XXXX Hard inquiry from XX/XX/XXXX. XXXX  BANK Hard inquiry from XX/XX/XXXX. XXXX XXXX Hard inquiry from XX/XX/XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the unauthorized credit hard inquiries is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed unauthorized credit hard inquiries are entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the unauthorized credit hard inquiries. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Contacted you after you asked them to stop

XXXX XXXX called my work repeatedly and shared personal information with my manager. XXXX
Complaint sub-issue: Billing problem

I finance my new RV for {$16000.00} for 12 years with and interest rate of 6.75 % from bank of the west. I enroll in automatic payments of {$300.00} a month, with the first payment on XX/XX/2019. The bank has modified my payment to every other month to maintain the loan term. I have paid {$340.00} in interest this year alone. My goal was to pay the loan off quicker and to reduce the interest. The bank refuse to give me a amortization schedule for the loan and also refuse to give me access the a statements.The banks website makes it impossible to pay more than the minimum due automatically.
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 to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Information belongs to someone else

Discover continues to harass me by calling and reporting an unauthorized account on my credit report. I have spoken to them months ago and they agreed to remove this account only to post it back months later. I am a victim of identity theft. My now estranged father assumed my identity and opened up to 20 accounts using my identity and computer. I have worked hard to get my finances back in order after this damage but Discover continues to harass me. I have filed both a police report and an id theft affidavit. I am requesting DIscover remove this account once and for all. Attached are my documents. Any further questions about this crime need to be directed to the XXXX XXXX Police Department, XXXX XXXX XXXX