Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid for electronic services partially done at my home with a Citi Master card on XX/XX/18 {$1000.00}, and on XX/XX/18 {$1000.00}. The work was not completed, and the partial work done, stopped working. I contacted the vendor and made 4 appointments which were never honored, nor called. I contacted Citi to initiate a dispute immediately. I also researched the vendor 's company in XXXX and the corporation is in default, additionally, I arranged to send the parts he installed, to the address I had, and it was returned being that the place is empty, no business there. I gave all this information to Citi, and requested for this transaction to be considered FRAUDULENT. Citi responded on XX/XX/2018 that they couldn't help me anymore, and that their investigation was complete.
Complaint sub-issue: Reporting company used your report improperly

According to equifaxsecurity2017.com, my data was affected by the recent major hack of Equifax. Hackers supposedly have personal identification information such as my name, social security number, birth date, addresses, etc.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my updated credit report, I see that the same account was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$7900.00}
Complaint sub-issue: Account status incorrect

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Complaint sub-issue: Received bad information about your loan

I was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.
Complaint sub-issue: Problem with personal statement of dispute

Complaint # XXXX XXXX was closed. 
Complaint # XXXX XXXX resulted in an equifax response ( see attachment dated XX/XX/XXXX ) That they could not find me for 3 specific reasons. None of the 3 are even close to being true. I do have a SS # as a XXXX  year XXXX with XXXX XXXX. I do reside within the XXXX and I have applied for credit within a year. equifax can not find me because they alone have changed my date of birth. My question to eqifax is, who supplied this information to change this? Who is the entity? Disclose this. 
Instead the " canned answer is we can not verify you. '' Why not? You have received 5 certified letters with all proof numerus times of correct identity. So find me within your system and answer the question. This is well past 30 days. First notified XX/XX/XXXX and today 's date is XX/XX/XXXX. 
Within the same letter on XX/XX/XXXX ; equifax has me as moving from XXXX XXXX XXXX XXXX, XXXX. This is incorrect as I have NEVER LIVED there. I have disputed this as an error. Instead of fixing the error, you stated I moved. See the attachment that states address change and move date. This is completely inaccurate.
Complaint sub-issue: Information belongs to someone else

My requests for proper verification and the erasure of the fraudulent information on my credit reports have gone unanswered despite the several written letters I've sent to the three credit bureaus. XXXX, Equifax, and XXXX Credit Bureaus never responded to the last letter I gave them, which was dated XX/XX/XXXX. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, states that it is not authorized to continue reporting unverified information without any supporting documentation within the time frame permitted by law. Their willful non-compliance has violated this provision. Additionally, the Credit Bureaus disregarded Section 605b of the Fair Credit Reporting Act, which requires them to delete any accounts and information that the customer determines to be the result of identity theft. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can assist me in getting the following things removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$23.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Complaint sub-issue: Information belongs to someone else

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

This has been going on for nearly a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. see attached files
Complaint sub-issue: Deposits and withdrawals

PNC will not allow me to use my checking account to fund my XXXX stock account.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s code 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: Investigation took more than 30 days

THIS IS NOT A DUPLICATE REQUEST. EQUIFAX IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND XXXX. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... .. 

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXXXXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE. 

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.
Complaint sub-issue: Attempted to collect wrong amount

I was being charged for equipment I returned in XX/XX/XXXX to XXXX. I called XXXX stating that there was dept in the amount of {$1600.00} for the equipment on my Credit Report. The representative saw on my account that they received the equipment. She started a case to let the dept collection agency now that the account is at a {$0.00} balance, and that they should have reported a dept on my credit report. My case number for XXXX is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.
Complaint sub-issue: Account information incorrect

This is not a duplicate. 

I am complaining regarding violations of law by DiscoverCard.

DiscoverCard reports to my credit file, account number XXXX, and is the furnisher. 

DiscoverCard, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

DiscoverCard, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, Discover card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are a couple of accounts that do not belong to me on my credit reports. Please remove them.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I applied for an apartment with XXXX XXXX XXXX in XXXX, NE and i got denied, so someone called XXXX XXXX who is a former resident at this time period offered me take over her lease which I agreed as I just moved to Nebraska and I needed a place to live in. When I talked with the property manager she said it should be fine and we shall take over the lease but there will not be any renewal. I agreed and moved my furniture also took over the utilities but after a month the property manager asked me to evict the apartment as there is no sublease, I offered them to pay the remaining balance in advance till the lease is over and I will move out as they already took two payments from me, but they took me to the court me and XXXX after a week the property manager was granted an eviction and got me locked out with a Sheriff order. I arranged to take my belongings out of the apartment to another place who approved me. The court has a judgment against XXXX for the remaining balance of her lease. Now I found the collection agency calling me for XXXX 's debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having major issues with XXXX and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account 2 more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken 6 payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for XXXX, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX is charging me for an account I never had with them I paid XXXX  XXXX for my auto loan It was a hit and run XXXX my insurance company along with gap insurance fully covered this loan once it was hit by another car it was a total loss Once these insurance comapnaies paid in full this XXXX   XXXX  called all over asking for me where I was they wanted me to pay them this XXXX somthing and I never paid them I always paid XXXX  XXXX and always on time I always paid the whole time I had that car always you could ask XXXX XXXX so I'm not even sure where these charges came from
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : 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 XXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDXXXX Account # 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 XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have 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: Didn't receive notice of right to dispute

On XXXX XXXX Allianceone tried to garnish my bank account ( SSI Funds ) They sent a certified Writ of garnishment, certification of writ, exemption of claim form, notice of rights, to what they claimed as my last known mailing address XXXX XXXX XXXX  XXXX XXXX, XXXX. however, Allianceone had sent me a statement of what I owed and the judgement amount to my new address XXXX XXXX XXXX XXXX XXXX, Wa XXXX on XX/XX/XXXX, after I requested a detailed statement of what I had paid them and how the XXXX they had got a judgement against me XX/XX/XXXX, XXXX. I did not receive a detailed statement just a statement of what I owed.I contacted the courts to try and find out what had been paid from the payments I had given Allianceone. and that was how I found out about their attempt to garnish my bank account. The statements that I got from the courts of what what was paid by Alliance on my behalf do not seem to add up. The judgement amounts that Allianceone claims does not match the amounts from the courts, they also sent me a late payment notice XX/XX/XXXX, that had the account and ticket number that had been paid off XX/XX/XXXX. I think that they have violated the deceptive practices law. Not to mention lousy bookkeepers that use a lot of deception to cover their math skills ( or lack of ) .I sent a registered letter to them XX/XX/XXXX for a detailed accounting but never heard from them
Complaint sub-issue: Account information incorrect

There are false credit card balances being reported to credit reporting agencies from XXXX XXXX and discover. They are inaccurate!