Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

A initial letter was sent to Equifax on XX/XX/XXXX. They responded with no action. 
Per. 15 U.S. Code 1681b - Permissible purposes of consumer reports In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates As a consumer by law these inquiries listed below on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already sent this letter to : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commision You have failed to comply to my request of my letter dated on XX/XX/2021. And you are now in violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance
Complaint sub-issue: Information belongs to someone else

Equifax is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Complaint sub-issue: Account status incorrect

I never gave Consumer reporting agency permission put a fraud alert on my account I am demand that they remove the alert from my account immediately.
Complaint sub-issue: Report improperly shared by CRC

This complaint is against the XXXX. I directed that the referenced complaint in the original dispute be made public. After bringing it to XXXX XXXX XXXX 's attention in a phone call with " XXXX XXXX, '' a XXXX supervisor, that it was NOT made public, it still was not subsequently changed to allow the public 's viewing. This is particularly disturbing because this complaint is a hacking of my Equifax account that XXXX XXXX XXXX XXXX is hiding. Additionally, " XXXX XXXX '' was supposed to call me back and never did. THIS COMPLAINT SHOULD BE MADE PUBLIC AS THERE IS NOTHING IN THIS COMPLAINT THAT INCLUDES SENSITIVE INFORMATION.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to protect my sensitive personal information and it was stolen by hackers.
Complaint sub-issue: Reporting company used your report improperly

XXXX, 2018, I had a paid off and closed my Citibank credit card. In XXXX, 2018, I was alerted that XXXX XXXX had charged me {$10.00} on my closed credit card. It was a fraudulent charge so I contacted Citibank they put me in touch with their fraud department, they asked me to call the XXXX XXXX phone number on my statement to refund and don't charge my account anything. XXXX XXXX  refunded the {$10.00} I spoke with Citibank they confirmed it was refunded but admitted that XXXX charged me again under a different XXXX name and Citibank paid them after I was in a fraud alert discussion in progress. The next month they charge me a late fee. I called them again and they said they would remove it and continue the fraud investigation. The next month I had two months worth of late fees and they said they would remove them. They admitted they had not given the information to the other branches of their organization to not charge me. The next month I was reported to the three bureaus for 60 days past due for paying the late fees they informed me they were and would be removed. I called them again about fear of this error showing up on my credit report. They informed me that it had already happened and they could not reverse the 60 days past due reported to the three credit bureaus. They said I would have to do it. I have been Out of Country for three weeks on vacation, and am now starting the process of repairing Citibank 's error and negligence. I need it repaired immediately fore I am self-employed and my business requires bank loans and secondary market loans for Construction Loans to build Spec home in process to sell and make an income. I am so furious with Citibank and their negligence and the time and delays on obtaining descent Loans that I deserve for having such great credit and repayment on time for thirty-eight years of reported credit!

I have previous statements showing interest charged on fraudulent activity and late fees and where the fraudulent company refunded yet citibank charged me interest and late fees when under investigation. 
I asked citibank to reverse and fix my credit report due to there neglect and they refused and told me to call and dispute it when they knew they were at fault. 
I was on a recorded line on citibank each time I called and they have the recorded conversations.
Complaint sub-issue: Can't get flexible payment options

I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I found three ( 3 ) unauthorized hard inquiries on my Equifax credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my XXXX  credit report also. I called, and they  gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!
Complaint sub-issue: Deposits and withdrawals

On XXXX I asked cashapp to remove any phone number that wasnt my own from my account. In the process the removed and blocked my number also so I am not able to gain access to my account with literally all of my money in it. My car payment is late now and Im fearing my kids XXXX will be in jeopardy. No one will resolve the situation, I have verified my identity and verified that the account is mine but still continue to be told I cant gain access. They had me open a new account and stated they would transfer my funds to my new account but have yet to do so. I requested my account be closed all together and just mail me my remaining funds, or send my direct deposit and other sources of incomes back to my employer. No one will help me and no one will tell me what process I need to go through to get this resolved. It has been ongoing for almost a week now and is so devastating.
Complaint sub-issue: Delay in processing application

I am interested in citi prestige credit card and went to citi XXXX branch in LA last Saturday XX/XX/XXXX. 

I was waiting in the lobby for about 20 mins then a lady named XXXX showed up to help me. XXXX tried to get rid of me the moment that I mentioned I want to apply for prestige credit card. She does n't know this particular credit card very well and also try to persuade me to apply for another cards. She keeps selling other credit cards to me and meanwhile she said if I want to have prestige card then the annual fee is {$450.00}. I asked if she could let me open a priority account to reduce the annual fee to {$350.00} ( which everyone else is doing ). She did n't want to help me at all at that point and said I should JUST GO HOME AND APPLY ONLINE because " if you apply online, the annual fee is {$350.00} '' - which is a totally lie! I know that If I apply online the annual fee is still {$450.00}! 

After I told her this is not true, she went to ask her manager. Then she told me that I have to have a cashier check with {$50000.00} to open a checking account. I am highly doubt this is the truth. They are just trying to get rid of me. The general fee for the checking account is $ 30 monthly and hold {$50000.00} in the account will waive the monthly fee. That 's it. It 's not a criteria at all to have {$50000.00} to apply for the checking account!!!
Her manager even told me that they are afraid I 'll close the checking account after I got the discount for credit card so that they are not willing to open the checking account for me. They want to see the cashier check first to prove " I am serious about it ''. I told them that I would go home and ACH the {$50000.00} to the priority account from other bank. But they just do n't trust me at all and treat me like a liar or trick me like a fool. 

XXXX and her manager can not just trick customers like this! They are so unprofessional. I drove more than two hours to the XXXX branch because there is no citi branch in my town. XXXX and her manager has wasted another 40 mins with their bad and inpatient attitude!
Complaint sub-issue: Information belongs to someone else

Remove all accounts that don't belong to me
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written Equifax, XXXX and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to Equifax, XXXX and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Complaint sub-issue: Account information incorrect

Equifax report showing {$170.00} collection incorrectly Equifax report showing {$550.00} collection incorrectly
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.
Complaint sub-issue: Information belongs to someone else

On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXXXXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.
Complaint sub-issue: Account status incorrect

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. 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/2021, 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 deletXXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Unable to open an account

On XXXX I attempted to open a savings account AT XXXX XXXX with funds from PNC Bank. 

PNC blocked the transfer.
Complaint sub-issue: Account information incorrect

I have documentation from US BANK on an agreed payout amount. I finalized this payment in XXXX and they are still saying I owe {$6100.00} as of XX/XX/2021. I a have the agreed document and a ledger of all my payments. This account XXXX is still active when i go into USbank and its not correct.
Complaint sub-issue: Account terms

I had XXXX separate debts with the department of veterans affairs. These debts have been paid off and now have a zero balance. I have disputed this information 3 times with Equifax and they refuse to update this information correctly even after providing letters from the VA to them showing zero balance. I spoke with the VA and they advised they reported zero balance to Equifax for these accounts.
Complaint sub-issue: Reporting company used your report improperly

After sending a CEASE AND DESIST LETTER TO PNC BANK XXXX XXXX XXXX XXXX MAIL ( 1-day delivery ) To stop harassing me, which includes text messages, mail, emails and phone calls on XXXX XXXX. Pnc bank are still harassing me as of XXXX XXXX. 

Pnc is yet again in violation of 15 usc 1692c!

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Pnc sent me an email, violating 15 USC 1692c! 
Knowingly doing so. Attached will be a copy of this law and also a picture of Pnc harassing me via email. This is causing so much emotional distress because as a consumer, I have consumer rights. 

Pnc also does not have permissible purpose and the letter sent out XXXX XXXX has also stated every other law that was violated by PNC. I have given PNC a month to comply with my letter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give them written instructions.
Complaint sub-issue: Other problem getting your report or credit score

I have two 3rd party credit report companies to monitor my credit. The company names that I am using are XXXX XXXX and XXXX XXXX. The only credit bureau that is not showing is XX/XX/XXXX I gave XX/XX/XXXX a call multiple times but I was given the run around. I was also hung up on because I was asking the question why I cant see there report. I went to there website and purchase all three reports and they where all not updated. Also show multiple inaccuracies. I canceled there service immediately.
Complaint sub-issue: Trouble with how payments are handled

I consolidated my student loans through XXXX XXXX. XXXX XXXX disbursed the payment to pay off my loans in full to the other companies. AES was XXXX of the companies that I have a student loan with. XXXX XXXX sent the check on XXXX XXXX, 2016 to the loan companies. AES has not posted this payment to my account yet. I called to see what is going on. I spoke with XXXX in customer service. He said they have not received any payments. I asked to cancel my direct payment for the loan that was coming due on XXXX XXXX, 2016. XXXX said because it was less than 3 days from that date, they could not cancel the payment. He said I could call my bank and block the payment, but that would put late fees on my account. The other option he gave me was to call XXXX and then add AES to the call and have the XXXX companies and myself talk and work it out. I am XXXX with my husband for military reasons and have no way to do a call of that nature with multiple parties. I called XXXX XXXX and they were able to confirm they sent the check on XXXX XXXX, 2016 and that it had been cashed by AES on XXXX XXXX, 2016. Still on XXXX XXXX, 2016 this payment has not posted to my account. They then went ahead and took out the direct payment of {$61000.00} on XXXX XXXX, even though they received and cashed the full payment for these loans on XXXX XXXX. To take money from someone who does not owe money is fraud and terrible business practice! I want my money returned along with the interest that has been accruing on these loans since XXXX XXXX when they cashed the full payment.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$450.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$720.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Personal information incorrect

I need for this address to be removed from my credit file   XXXX   XXXX    XXXX   XXXX , SC,  XXXX  My current and only address is  XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  I have attached the drivers license to this complaint. Please see attachment.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, attorney general ( due to the false advertising / fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal.
Complaint sub-issue: Account status incorrect

XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
Complaint sub-issue: Debt was result of identity theft

I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX  AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.
Complaint sub-issue: Old information reappears or never goes away

The account from  XXXX   XXXX  on my Equifax credit report was disputed and removed on  XXXX   XXXX ,   XXXX   and in checking my report today it has reappeared as  XXXX   XXXX   XXXX . Cancel, and reported again on  XXXX   XXXX ,   XXXX   and the amount is now higher than the original {$140.00} balance, the balance is now {$190.00}
Complaint sub-issue: Reporting company used your report improperly

This XXXX XXXX XXXX ... store that allows people to finance on ok credit is continuously submitting an inquiry into my credit and I have not authorized this. 
I applied once and they did the inquiry. I accepted that and never went back. Why are they still submitting inquiries on me. It is unauthorized Conns furniture XXXX Arizona