Johnade/consumer_complaints_cfpb huggingface dataset:
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I purchased a mattress in XX/XX/2017 at 0 % financing for 12 months. 
The purchase then appeared on my statement as a regular financed purchase. I called XXXXXXXX XXXX credit department each month ( XXXX, XXXX, XXXX, XXXX & XXXX ) after receiving my new statement to resolve the problem. During each phone call I was promised the problem would be corrected and all interest charged thus far would be credited back to my account. 
To date, the problem still is NOT fixed. I am still being charged interest on the mattress purchase and the back interest still has NOT been credited to my account.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and 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: Account status incorrect

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 violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. 
Equifax further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Complaint sub-issue: Their investigation did not fix an error on your report

This CFPB complaint is a formal notice that the Credit Bureaus have failed to respond in a timely manner to my dispute letter. I previously sent a letter addressed to the Credit Bureaus requesting that they correct the information being reported to my Credit File. And on XX/XX/2022 I sent another letter wondering why did the Credit Bureaus haven't yet responded to the prior letter I sent. The Credit Bureaus informed me to contact the creditors and I have done so. According to FDCPA 809b the Credit Bureaus are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete them now : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} 2. XXXX/DOFED XXXX Balance Owed : {$1300.00} 3. XXXX/DOFED XXXX Balance Owed : {$4000.00} 4. XXXX/DOFED XXXX Balance Owed : {$8600.00} 5. XXXX XXXX XXXX Balance Owed : {$0.00} 6. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX XXXX Balance Owed : {$0.00} 9. XXXX  XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. XXXX a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. Equifax, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX
Complaint sub-issue: Problem with fees

Citi Card Online has been making attempts to withdraw a payoff balance on my checking account three times now. The balance is from a credit card account owned by my mother and we originally had my bank account information listed to take out payments ( not for payoff ). However - my mother wanted to payoff the entire amount & mistakenly requested that from the bank that was listed on the credit card account, which was mine at the time. 

It was attempted twice, so my mother called Citi Card Online to make the change. The representative told her that the ONLY thing she could do was to have myself make a stop payment on my bank account - so that the payment request would bounce back to Citi Card Online. Ultimately, this meant I had to pay the fees for a stop payment with my bank so that Citi Card Online could stop the withdrawal attempts for an account that is not owned by me at all just because we had my bank account listed for monthly payments to be made. 

I called Citi Card Online myself to file a complaint - the representative, as it should be with privacy, told me I was unable to access the account without the account holder present, but I just wanted to leave a complaint regarding this issue. The representative then informed me, over a recorded phone call, that a stop payment with my bank was unnecessary and that Citi Card Online could just as easily have changed the bank account information and stopped any future attempts to withdraw from the previous bank account. My mother was NOT told this and she was told the only recourse was that stop payment with my bank. I have now had to spend over {$110.00} ( {$58.00} was returned to me generously by my bank, for the overdraft fees - but they are unable to remove the third attempts fee ) for an account that would have been properly paid off had they just told my mother that she could change the banking information, instead of advising her that a stop payment should be made on the bank account that was on file.
Complaint sub-issue: Account status incorrect

XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Complaint sub-issue: Account information incorrect

I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
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 XXXX XXXX XXXXXXXX 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 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: Their investigation did not fix an error on your report

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. has violated my rights. 

XXXX XXXX XXXX XXXX XXXX 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 : 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: Problem with personal statement of dispute

On XXXX of my accounts, ending in XXXX and XXXX, Citi bank decreased my credit card maximums and it lead to a decrease of in credit score, when I have not used or abused the credit cards. The decrease card limits lead to balances exceeding the 80 % of usage and decrease my score roughly XXXX points. The reports from a credit agency came back as revolving credit cards, but this did not decrease my score. Also, I would like to say the credit card companies continually offer specials on balance transfers and it seems rather unfair to decrease a credit score by taking advantage of a service that is offered or even report it since they are offering a product like this. Why offer a product and them punish someone for taking advantage of it. " " '' '' The reporting, which again, did not decrease my score, was picked up by Citi bank and they decreased my maximums by {$1300.00} on my XXXX account and {$5400.00} on my XXXX account, then my credit score decreased by XXXX points. '' '' '' '' From about XXXX down to XXXX. Also, I have not used these cards in nearly a year and there has been no late payment or even any usage on my part to warrant anything from to say or imply I did not make my payments and Citi had given my the account limits over a year ago. In actuality, I have been an excellent to Citi bank and they continually try to find a way to abuse me and that is evidence of the last complaint I filed nearly a year ago when they refused to give my the transfer balance rate that was quoted over the phone. I have called the executive service team for Citi, Citi took another look and denied the original maximums that would have upheld my credit score. I find it hard to believe they would do something like this to decrease my score and to a customer that has been current on all payments.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.
Complaint sub-issue: Other problem getting your report or credit score

Hello, for the past 4 months my Equifax credit file has been unavailable. I can no longer look at my credit report, nor can I see my history. I am not able to remove or manage a freeze. I have sent my social security card and driver 's license twice to Equifax. I sent it certified mail this last time and they received it XX/XX/2021. On XX/XX/2021 and XX/XX/2021. I was on the phone with Equifax for over an hour each time trying to get this issue resolved. The first associate on XX/XX/XXXX lied and said the issue had been resolved, but couldn't provide a confirmation number. I called back XX/XX/XXXX and the representative had me on the phone for over an hour and told me the issue had been resolved as well. Still no confirmation number. I called XX/XX/2021 and I was told I can ' t speak to a representative in the United States and Equifax system was down at the moment and to call back in two hours. I am not able to apply for anything, it seems that I don't exist in the Equifax world and this is truly a hindrance to my life.
Complaint sub-issue: Information belongs to someone else

XXXX and Equifax refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account Name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Called before 8am or after 9pm

XXXX XXXX keeps calling me very early everyday regarding a bill that the statute has expired over ten ( 10 ) years, I currently have a credit score of over XXXX, they keep threatening me with legal action that is not valid, please help me
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit
Complaint sub-issue: Report provided to employer without your written authorization

XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. 
I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. 
He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. 
I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. 
One more time, I asked what their policy was regarding consumer privacy, he said there was not one. 
I then asked for his last name, and he said it was just the letter XXXX. 
Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. 
The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.
Complaint sub-issue: Trouble with how payments are being handled

I applied for the XXXX when the loan forgiveness was initiated. My loans have been consolidated and passed from company to company. In the process my loans have been put in deference sometimes against my request. I made payments during that time to keep interest low. I have resubmitted my employment verification several times and it was either denied or dismissed. Currently they are not crediting me the payments made prior to their service and the ones made in deference even though I have submitted paperwork. They are claiming it's out of compliance but won't help. They also claim that my work ended in XX/XX/2021 even though my work says I'm currently still employed. So none of my payments from XXXX on are counted.
Complaint sub-issue: Problem during payment process

On XX/XX/2018 a cashier 's check was issued in the amount of {$740.00} to XXXX  from XXXX as a credit consolidation and was mailed to XXXX with a tracking number. All of the appropriate information was on the check such as account number and name and also had a statement stub attached to the check. XXXX   received the cashier 's check on XX/XX/2018 and still has not processed this payment. XXXX can not cancel and reissue this due to it being a cashier 's check. LendUp is refusing to credit my account for this amount and in the meantime I'm still paying a minimum payment to them every month so it won't affect my credit score. We have the tracking information that they received it as well as the check stub saying that it was written. They are saying they can't find it and we should have paid it online.
Complaint sub-issue: Information is not mine

I have two hard pull inquiries for XXXX XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have disputed it 3 different times with Equifax and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. These inquiries are bringing down my credit score and are n't fair to me at all.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.
Complaint sub-issue: Account status

there are XXXX open accounts with XXXX that were added to a chapter XXXX that should be closed and not on my report.There should be XXXX open accounts on my file.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number XXXX.
Complaint sub-issue: Problem while selling or giving up the vehicle

I really have a hard time understanding how Drivetime/XXXX are still able to trick and put consumers in debt for these very faulty vehicles. How is it that they are XXXX in debt but still able to sell cars? These are not inpected propetly and they give you loans that are quadruple what the car is worth. How is this possible? Yet they are will in business this should be against the law. They harrass and taunt consumers for payments yet they are no help when it comes to car problems. I want to take drive time to court and sue them they are sick to keep getting a away with this scam. Harming people who desapratlemy need a car and being dishonest. They are no help to me have'nt had my car in over a month because they want me to do all the ground work they are no help and putting me through so much for a XXXX XXXX XXXX please shut them down and make them pay us consumers back.
Complaint sub-issue: Account information incorrect

After previously filing a complaint against Macy 's for failing to acknowledge that payment in full had been made on my account, they finally admitted that I paid them. 

But they now claim that they received payment XX/XX/2022, which is the day after payment would have been due and so they are reporting my payment as late. 

Yet they cashed the check in XXXX. 

How can they cash my check before the due date and then report the payment as late?
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021, XXXX electronic transactions totaling XXXX were performed on your account. I did not authorize these payments. The payments occurred through XXXX. I opened the case on XX/XX/XXXX for an investigation and for a request to receive these funds back. I received a letter from Citibank on XX/XX/XXXX, that they made several attempts to contact me to obtain additional information for my request. However, this is false. I never received a letter, a voicemail, or e-mails. I only found out that the request was canceled when I called my bank on XX/XX/XXXX. The supervisor I spoke to told me the initial investigation was filed improperly. I opened up another case on XX/XX/XXXX, and the case has yet to be resolved. I have not been able to pay my rent - I am 12 days late - because my bank was not able to resolve this due to improperly filing the initial investigation.