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

On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via LexisNexis and XXXX  yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. LexisNexis sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 a hard inquiry that i want to be removed immedatly i have no knowledge of this item
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

A scam XXXX account took {$120.00} from my Direct Express debit card. This card is used by the government to deposit monthly social security benefits to recipients. The money was taken out on XX/XX/2021. I immediately contacted Direct Express, and all I have gotten is a run-around. They did not even bother taking a complaint or closing the card as is standard protocol. Today, XX/XX/2021, I called for the 9th or 10th time, and they finally took a report after I spent several hours on hold and talking to multiple people. They then told me that they will send out a questionnaire, which I need to complete and return before they can open an investigation, which they claim will take 45 days. 

This company is a habitual offender. They do everything to not refund money that is stolen from customers ' accounts. And some of the scammers might be working for the company. It is a shady company that must be investigated and audited for its handling of government funds and abuse of benefits recipients. 

DIRECT EXPRESS PHONE NUMBER : XXXX CLAIM N0. XXXX I want this money back, and this company investigated for their fraudulent practices.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries that I didn't authorize from XXXX XXXX and Car dealers. They are listed on my Equifax report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

this should be deleted
Complaint sub-issue: Company closed your account

On XXXX XXXX Discovery Card closed 1 of my account because of a verification process. I told the lady the first time I called that I haven't filed my taxes in the last 2years. So, 13 days went by and my account was closed. Then on XXXX XXXX I get another email about verification process for my other account with Discovery Financial Services saying if I don't respond by XXXX XXXX that this account will be closed. So, I call them on the XXXX of XXXX and I told them the same thing I told them previously and the lady said my account was closed. What is really going on? And I had this account since XXXX  when it was a secure card! Why didn't they ask me all this then.
Complaint sub-issue: Their investigation did not fix an error on your report

My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, Equifax, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all XXXX  credit bureaus ( XXXX, Equifax, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX entered into a consumer credit transactions with CarMax Auto Superstores , Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but CarMax Auto Superstores , Inc made me purchase insurance separately.
Complaint sub-issue: Account status incorrect

I recently sent a request to all three Bureaus - XXXX, XXXX  and XXXX  reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account CITI Account Number : XXXX Please investigate and delete from my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Complaint sub-issue: Fees charged for closing account

I have two CD accounts in Citi Bank which I opened two years before ( Renewed on XX/XX/XXXX for another 1 year ). Currently it has balance of XXXX USD. Both these accounts are matured in XX/XX/XXXX and it is automatically renewed for another 1 year. As I needed money for some personal need, I decided to withdraw the money in the month of XX/XX/XXXX and I approached Citi Bank. But now they are telling me that I have to pay penalty for the closure of these CD accounts which is more than the double the amount of interest I got last full year. I am complaining about this because Citi Bank doesn't provide any option for the customers to stop automatically renewing the CD and customer has only one week time window to withdraw the money after maturity. If you miss this window, account automatically renewed for another 1 year and if you need to close the account, you have to pay the penalty.
Complaint sub-issue: Problem getting your free annual credit report

Equifax aggravated cyber-cuffing not allowing me to dispute their credit report after I had already been assigned a confirmation number on my equifax profile file on XX/XX/2018. XXXX case number was subsequently requested and submitted with witness of high level corruption discussed X 3 witnesses. My address was correct which got me into my equifax account and the equifax employee subsequently lied stating that was the reason the account was unavailable online and stated it takes 30 days to correct address!! 
INVESTIGATE EQUIFAX!!
Complaint sub-issue: Other problem

I have a cash app card. They locked my account, ive emailed numerous times to get account unlocked, with no luck or response. I can not get to my own money. I sent proper documentation to verify who I am. Still nothing from cash app team. I also wrote a letter, no response. I got all emails that ive sent to the support team no luck. I just want my own money. Its been over 27 days if not longer. XXXX XXXX email XXXX, number is XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX 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: Information belongs to someone else

I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

Hello, I made a payment to my Home Depot credit card owned by Citi Retail Services for XXXX it turns out I made for XXXX. The next day I found they lowered my credit limit to XXXX so when I went to reserve the payment of XXXX it would have put me over limit. Come to find out Citi Retail Services had been pulling my credit report with out my permission to obtain new information about me. I would like to state for the record I did not give this authorization and they should have not accessed my credit report, even if it was a soft pull. In calling they would not help me, one person hung up on me I asked them to fix the credit limit issue then the payment they would not. They stated they will try and reverse the payment however it will just put me over limit, please keep in mind this took place over 3 days.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.
Complaint sub-issue: Debt is not yours

I.C. systems claims i owe them for a cable bill i never had, i asked them to send me documents showing that i owe this so called bill with my signatue on paper work or a voice recording proving i signed up for this service, and they have refused to provide any proof of this bill being mind. 
As i have told them numerous times on the phone i'm a current XXXX  customer with active service so its not possible to owe them when i'm a current subscriber.
Complaint sub-issue: Funds not received from closed account

Account was closed XX/XX/2021 with no notice or reasoning. I was asked To submit ID and a bank statement from another account to which I complied. I have called several times and and always am told the research department is investigating. My tax return showed it was deposited to the account on XX/XX/XXXX. The last representative I spoke to said my account is now closed and I would be mailed a check for {$100.00} ( my balance before my stimulus and tax returns were deposited ) He stated my account was closed on XX/XX/XXXX so they do not have my {$1700.00} tax return. Its been almost a month and I have yet to receive any check and am not able to update my tax return. I also filed complaint with XXXX  and theres dozens of complaints all with the same story. I want to find out what I can do to recover my stolen funds regardless of the fact they closed my account with no reason I need to know how to get my money from these crooks and they need to be shut down immediately. Also have to contact IRS and determine if theres anyway to recover my funds they stole from that. Being recently unemployed and desperate need of the money they stole from myself and many others is imperative. XXXX XXXX  is the name of the so called bank.
Complaint sub-issue: Problem accessing account

I need to link my account with different creditors for proof of funds depositing to and from account and this has been restricted.
Complaint sub-issue: Reporting company used your report improperly

i sent a letter out to XXXX, equifax and XXXX. here my tracking XXXX however its been XXXX  days and the credit bureaus failed to send my investigastion back. this is not making any since.
Complaint sub-issue: Didn't receive enough information to verify debt

Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account
Complaint sub-issue: Attempted to collect wrong amount

XXXX College at XXXX claims I owe them over {$730.00} plus an additional {$230.00} in collection costs. They claim it is owed for books purchased. However, my books and school materials were paid for by my financial aid. Which was denied that semester they are claiming the debt was incurred. I did not receive any books because I did not receive financial aid. I have been trying to get this fixed for a while now with now cooperation. I am XXXX with my XXXX. And simply want this situation rectified so I can complete my degree.
Complaint sub-issue: Information belongs to someone else

A collection account was removed from my credit report from IC System. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.
Complaint sub-issue: Account information incorrect

I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.
Complaint sub-issue: Old information reappears or never goes away

To whom it May Concern : I recently received a copy of my XXXX, XXXX XXXX Equifax credit reports, and I noticed some late payments posted on my credit report : U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXXXXXX Your company 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer 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 ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, On XXXX/XXXX/XXXX I was utilizing Citi Cards website, signed into my personal credit card section. They advertised an opportunity to sign up for a promotional APR for their Citi Dividend Mastercard, with the following terms noted - Must sign up no later than XXXX/XXXX/XXXX XXXX XXXX XXXX APR for new purchases, excluding a few items like balance transfers and fees XXXX XXXX XXXX APR good through XXXX/XXXX/XXXX I clicked accept on the offer and my account page reflected the same. 

I re-reviewed the offer as i do n't tend to carry unpaid Credit Card balances, so ensuring the promo specifics was a high priority for me. Everything was as I understood, and I logged off for the evening.I generally wait until the next business day before utilizing any offers like that to ensure there are no timing issues ( i.e. it goes into effect next business day ). 

After planning some purchases with my wife later that night, i logged on this morning XXXX/XXXX/XXXX to validate once again the terms set forth by Citi prior to making my purchase. However upon visiting the my offers section the offer now said it was valid only for purchases made THROUGH XXXX/XXXX/XXXX, which is 100 % not what it said previously. 

I assumed it was a display error, so called Citi to validate prior to making my purchase. They advised they only saw the offer showing for purchases made through XXXX/XXXX/XXXX. I explained the situation and the rep had her manager reviewer, but they both said they saw the same thing. 

This is extremely upsetting as Citi has essentially lied to me in an effort to encourage me to make large purchases, knowing i 'd be subject to a high APR on those purchases. I do n't understand how this can happen with such a large financial services company. 

I asked the representative to escalate further with a few validation questions. 
Why would i be able to accept an offer that expired that same night - do all of their offers allow you to accept them until the date they expire? Why was it still showing on my available offers today ( XXXX ) if it had expired? 

I 've never complained about a credit card before, but being lied to is beyond what i can accept especially from a financial company.