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

On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with XXXX receipts ). IT IS WELL PAST THIRTY DAYS and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. Equifax received my dispute letter on XX/XX/XXXX and it now XX/XX/XXXX. 

I requested that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX XXXX  would remain on my credit report for 7 years not ten years. I pay ALL of my bills on time and I am not delinquent on paying my bills. XXXX XXXX has ALREADY DELETED this erroneous bankruptcy from my credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code clearly states, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE THE END of the 30-day period BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 

Once again, Equifax has GREATLY exceeded the thirty days and I am once again requesting that the Consumer Financial Protection Bureau to STOP this credit reporting agency from violating my rights! What Equifax is doing to me is illegal and in violation of the law! 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you once again, please send me a free credit report illustrating that all of The four items have been removed and include my updated credit score. I am being harmed by Equifax illegal actions, Equifax is in violation of the law and I am requesting your immediate attention in regards to these matters.
Complaint sub-issue: Investigation took more than 30 days

I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Complaint sub-issue: Account status incorrect

After reinvestigation, this XXXX XXXX # XXXX **** was opened XX/XX/XXXX, and Closed on XX/XX/XXXX Pay Status Charged Off. As of XXXX Report dated XX/XX/XXXX. As of XX/XX/XXXX, This account has been reopened as an active account on my credit report with late payment.
Complaint sub-issue: Information belongs to someone else

Enclosed is a copy of an identity theft report along with an affidavits requesting Equifax information services llc to remove 2 unauthorized inquires listed on my credit report. I never authorized anyone nor any establishment or business to pull my credit. These inquires are fraudulent and I'm requesting they be removed immediately. thank you
Complaint sub-issue: Account information incorrect

Equifax has reported several months on my credit report as " NO INFO '' for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. This is INCORRECT. EVERY single one of  those months were PAID in FULL and EARLY.
Complaint sub-issue: Information belongs to someone else

Dear Team, Please check the items from my Identity Theft report because I do not recognize them. I have never had anything with these companies and I do not know the origins of those items. Definitely I can say that they are not mine therefore please investigate and remove them from my report. 

Thank you in advance
Complaint sub-issue: Can't close your account

I recently opened a checking account with US Bank. They chose to put a check on hold for over XXXX business days. 
I requested them to void that transaction so I could just go to the bank and pull the funds myself in cash from the place the check originated. 
They said this was impossible, I then moved all the funds from that account and attempted to close the account, but they said I couldn't due to pending transactions. 
Attached is a screenshots showing no pending transactions. 
They are going against my rights as a consumer by refusing to close the account. 
I also requested a supervisor XXXX different times, each time all supervisors were in meetings, and 'would call me back ', which also never happened.
Complaint sub-issue: Problem accessing account

Dear Consumer Finance Debt 1. My complaint is with Citibank consumer loan department regarding my XXXX Loan Forgiveness application not being available online to fill out and submit to Citibank for loan forgiveness as promised in a timely manner. 
2. I have logged on to my business acct numerous times, submitted over 40 emails to the XXXX  Forgiveness Portal supplied by Citibank but to no avail. Only robotic responses and no personal help at all to submit my online Forgiveness application form called XXXX. 
3. I have been unable to successfully submit my loan forgiveness application to Citibank for almost 3 months now and noticed that many others are complaining about this issue. I have offered to print out my application and deliver it by hand to a bank location to forward on my behalf. Citibank has not responded. 

My SBA PPP Loan Number XXXX My Lender XXXX Loan # XXXX Amount {$10000.00} Date of disbursement XX/XX/2020 2020
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX, never called or sent me any bills. 
My husband recalls that he received 2 calls from a very unclear voice, sounded like an overseas scam. no will even attempt to talk to such phone call. 
Several weeks later, I saw this {$750.00} on my credit report. Not sure what is it for. 
This is not how you get the invoice paid. If I owe you money, send me a detailed bill. For the medical bill, there needs to be a collaboration with the insurance and the doctor office. 

Here is the info on my report XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the XXXX XXXX  Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my credit score
Complaint sub-issue: Account status incorrect

This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX XXXX .... 
Balance : {$0.00} ; XXXX  XXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX/XXXX  Date of request XX/XX/XXXX ; XXXX  XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX-XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX
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 account # XXXX XXXXXXXX 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 or 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 know or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Problem with customer service

RE : Citibank, N.AXXXX, XXXX South Corporate Place, XXXX XXXX, SD XXXX CitiBank Costo Card  My account closed in XXXX of 2021. 
I need my statements for the XXXX XXXX. 
I originally called for my statements on XX/XX/XXXX21. 
The rep stated it would take 14 days. 
I called 15 days later and the rep stated it would take 30 days from the original call. 
Now when I call to get a letter or email to show the XXXX XXXX the extended timeframe the XXXX department for Citibank states they can not share that and stated it can take 30-60 days to receive a statement. This is delaying my XXXX and may cause XXXX XXXX if I do not provide the statements. 
The reps will not allow me to speak to supervisor. Every time we call the supervisors are " busy '' and will be 30-60 mins to speak with someone. The reps do not allow us to hold.
Complaint sub-issue: Account status incorrect

XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to XXXX for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Reference to complaint # XXXX, XXXX XXXX XXXX  ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.
Complaint sub-issue: Threatened to sue you for very old debt

Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
Complaint sub-issue: Information belongs to someone else

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXXXXXX XX/XX/13 XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, Equifax, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.
Complaint sub-issue: Debt is not yours

I entered a consumer credit transaction with XXXX XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am the complainant of identity theft in this grand larceny case. The newly issued Home Depot credit card that was addressed to me never arrived. My first statement arrived in XXXX indicating the unauthorized charges. There were three transactions on XX/XX/XXXX, amount of {$300.00}, {$380.00}, {$370.00} was made at ( store # XXXX ) XXXX Depot in XXXX XXXX XXXX, New York. I immediately contacted and reported the fraud charges to Home Depot Credit Card Services ( issued by citibank ) in the final weeks of XXXX. 

In XXXX I received a letter from Home Depot credit services dated XX/XX/XXXX, acknowledging my fraud claim on my account. They informed me I will not be making payment toward the disputed amount or any interest or fees. They mentioned they will contact me if any information is needed to complete the investigation. Home Depot Credit Card Service did not request anything from me at the time. 

I then received a their letter dated XX/XX/XXXX indicating I was being held responsible due to insufficient information/facts to claim fraud and because the card was read at a chip enabled card reader. It wasnt until I had to dispute their decision that they requested a police report, a dispute letter and picture ID to compare my signature. I also faxed them proof that I was out of the country at the time. 

Home Depot credit card services did not advise me in how to proceed when I first reported the fraudulent charges. They also stated in their statement of acknowledgement that if anything else is needed to complete the investigation that they will contact me. They did none of that! It wasnt until I called them after receiving the letter of their completed investigation, is when they wanted more information ; the ID, a letter of dispute and police report.

It is unjust that the investigator of the fraud department cant reach out to the Home Depot store and review the footage of the transactions in question. And the lost and prevention department at the local store can only collaborate with the police to investigate. The police detective assigned is also very occupied with priorities and has not looked into my case. No one is doing their due diligence in this investigation. Surveillance in the local store from the date of incidence can show I wasnt there.
Complaint sub-issue: Attempted to collect wrong amount

Dyck O'Neal is a debt collection for XXXX XXXX. Dyck O'Neal is reporting eight times on my XXXX when there is only four accounts. They are also reporting different amounts on my XXXX it says I owe {$0.00} and its not in a collection status when it states that it is. They made XXXX score drop significantly by reporting double four in collection four with regular accounts that are not in collection showing eight open accounts. This company is presenting fraudulent activity. The original company was paid off. I do not owe Dyck O'Neal. They need to be removed from my credit report due to fraudulent and inaccurate activity.
Complaint sub-issue: Information belongs to someone else

Id theft victim hpd XXXX police report number XXXX
Complaint sub-issue: Account status incorrect

This loan was supposed to be closed out because the school was closed down and I was pulled out of class for purposes at the time I was unaware of the situation. I had just wanted to go to school
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased my vacation from XXXX on XXXX2019 for {$3700.00} and paid in full with my Citi Simplicity Mastercard. I attempted to contace XXXX on XX/XX/XXXX and several times after through phone calls and emails. They posted a letter on their website saying they cancelled all trips ( hotels and airfare ) and wouldn't be processing any refunds and to contact your bank, which I did. I have proof that they cancelled my flights on XXXX  without my permission and refunded the money to XXXX. I also have proof that XXXX never paid my hotel. On XX/XX/XXXX I filed my dispute for services not rendered. On XX/XX/XXXX the dispute was denied because of a {$50.00} credit I had received. New amount sent and many documents as evidence in my claim. XXXX had until XX/XX/XXXX to respond. On XX/XX/XXXX they responded to Citi saying they didn't agree with the chargeback. I still haven't gotten details other than a phone call to the dispute department today. ( XX/XX/XXXX ) It is very well known what this company has done in the travel industry as well as the banks. Every other bank has seemed to have success getting their customer 's money refunded. I am a part of a closed group of over 2,000 customers that have been robbed by XXXX. Overwhelmingly XXXX has given permanent refunds. Citi has given 2, only 2 permanent refunds. Citi should be fighting and getting permanent refunds for their customers.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent account.
Complaint sub-issue: Problem accessing account

I've had a business checking with Synovus Bank for several years. I had on line access to this account. A few months back I tried to log on to my account. I was told that my data was " Not available. '' That is, not until I signed up for a new service called " Synovus Gateway. '' While I DID NOT agree with the terms of service, I was held hostage by not being able to access my account data until I did agree. I was forced to agree to the new terms of service to be able to log into my account. UNDER DURESS I agreed to the new terms of service just so I could see my balance. This should be illegal! No contract is legal or valid if it's entered into under duress. Along with this 'New '' account came price increases for Wire Transfers. From {$45.00} to {$100.00}. I agreed to this increase only under duress and I think I should be refunded the difference between the old price and the new price which I was FORCED, UNDER DURESS, to agree to.
Complaint sub-issue: Information belongs to someone else

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.
Complaint sub-issue: Problem with statement of dispute

I disputed XXXX Inquiries for a credit line for an Auto loan with Equifax. These XXXX Auto inquiries were done on the same date therefore XXXX inquiries should not be on my report but only XXXX. I disputed that XXXX of the inquiries to be removed due to the rules of applying for an auto loan within time frame. The results were that XXXX inquires will stay on report.
Complaint sub-issue: Information is incorrect

On my background report I received a copy of, says I have had my name in three countys in the states of XXXX, XXXX & XXXX. I have only lived in two of those states, XXXX  and XXXX.