Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I applied online for the Citi ThankYou Premier Card and was granted the account with a limit of {$6200.00}. I then received a social security verification from Citi saying my account was not actually approved, and they needed this paperwork back in the mail before approving and opening my account. However, Citi mailed me the card anyway. I called Citi and was confirmed by a representative that my account was not actually approved and there was a hold on my account until I returned this social security verification via mail ( they would not accept via email or fax ). I got frustrated with Citi 's communication and decided I did not want an account with their company. Therefore, I asked the representative what would happen if I did not mail back this form. I was then informed that this was a part of my application and if they did not receive this paperwork back, that my application would be canceled and would not be processed. I was assured that my account would not be opened and that after they do not receive this verification, that they would cancel my application. I received emails from Citi on XX/XX/XXXX and XX/XX/XXXX about online statements and activity on my account. I waited a few weeks to allow them time to realize I would not be sending it out and to cancel my account. I never used or spent this account. I called Citi on XX/XX/XXXX to understand why my account was showing open on my credit report as well as with Citi. I was then informed they still needed this social security verification anyway, and that my account was transferred to fraud department and investigations team. When asked to be transferred to them, they do not have a number. When I informed the rep the information the previous rep gave me about canceling my account, she confirmed that was not correct and to send in the paperwork so they could close my account. I told her I did not want my account closed, because I never opened one to begin with and I needed both Citi and the credit bureaus to show that I never had any account with Citi to begin with. She could not explain to me why I needed to confirm my SSN in order to cancel an application. She informed me that this paper was not part of my application, contrary to what I had been told by a previous rep. I was told that there was a freeze on my account for both me and Citi, and they can not make changes until they receive this paperwork in hard copy. I should not have to mail in a form with my SSN on it in order for Citi to cancel my account and application and remove it from my credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

n accordance with the Fair Credit Reporting act Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX, XXXX XXXX is still showing on my account! I demand this hard inquiry removed.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXXNC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX and XXXX aren't verifying my info with Procollect who's is a 3rd party debt collection agency who has no written consent from me to have my info. 

In addition both agency 's have received copies of my Original contract, which states by Law that I can not be charge more than the relleting fee of {$900.00}. However, I'm being charged over the legal amount and the debt collection agency is asking for {$3000.00}. {$2100.00} more than the actual fee. If in fact the credit bureaus actually verified this amount they would notice that. I also used XXXX XXXX for my credit dispute and XXXX and XXXX keeps changing my dispute to something other than XXXX XXXX keeping Procollect on my file longer when in fact it should have been permanently removed from my credit reports from all 3 Bureas and not just XXXX
Complaint sub-issue: Reporting company used your report improperly

Delete Late payments from XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine. 
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation. 
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota. 
I began to get alerts of a NEW device accessing my online banking.. 
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card. 
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus. 
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I authorized XXXX 's XXXX XXXX in XXXX Idaho located at XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX to pull my credit report from XXXX XXXX XXXX XXXX, and that they would come to me prior to going to other lending sources. I made that very clear to the finance manager. What they did is go to 12 plus lenders without my consent. I have made it very clear on how I feel regarding this. What are my options?
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

It was brought to my attention that I have a debt collection on my credit ( {$3300.00} ) for a student loan that belongs to my brother who filed bankruptcy in 2015. I am in the process of purchasing a new home through the VA Loan program and can not proceed any further until I get this issue resolve. I am also going through my security clearance update in the military and they showed the debt with a XXXX balance. 

I thank you in advance for your time and support!
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/2022, 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 accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX   and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. 

AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. 

I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.
Complaint sub-issue: Was not notified of investigation status or results

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Information belongs to someone else

I have notified your company several times about the fraudulent accounts that are on my credit report. Yet, your company refuses to block this information and said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. These fraudulent accounts also do not relate to any transactions that I have more or authorized. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed do not apply so I can only believe that your company is purposely allowing this fraudulent information to continue reporting to my credit report for your own personal gain, which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you I have notified your company several times about the fraudulent accounts that are on my credit report. Yet, your company refuses to block this information and said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. These fraudulent accounts also do not relate to any transactions that I have more or authorized. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed do not apply so I can only believe that your company is purposely allowing this fraudulent information to continue reporting to my credit report for your own personal gain, which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have a rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00}
Complaint sub-issue: Debt was result of identity theft

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Complaint sub-issue: Personal information

I have a new address, and I have difficulty getting the credit bureaus to change it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a credit card with Macys stores and on XX/XX/XXXX I returned merchandise to Macys and so the balance on my account was a credit of XXXX dollars and that means Macys owes me XXXX dollars On XX/XX/XXXX I made a purchase for XXXX dollars and so the balance should update and XXXX XXXX dollars credit on my account but when I received my statement the balance was that I owe macys XXXX dollars and the credit for XXXX dollars was NOT showing but this is wrong. 
Macys owed me XXXX for a returned merchandise and then I made a purchase for XXXX dollars so then Macys still owes me XXXX dollars but they are asking me to pay XXXX dollars and that is completely WRONG.
Complaint sub-issue: Indicated you were committing crime by not paying debt

My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.
Complaint sub-issue: Debt was paid

I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is XXXX
Complaint sub-issue: Problem getting your free annual credit report

Equifax makes it impossible to get your annual, free credit report online. It doesnt matter how many times or how accurate the verification questions, Equifax always make you request your report by mail. This is against the spirit of the law and undermines the intent of the law. Equifax needs to be found in violation.
Complaint sub-issue: Information belongs to someone else

I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}