Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

XX/XX/2019 noticed 9 items totaling {$2100.00} from Armada Corporation, XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Acount shows 6 years and 2 months old. Original debtor is XXXX XXXX. This account does not, and has never been attached to me. I have never been to the XXXX XXXX nor have I had any accounts in collection with Armada Corporation. I called to have them remove it and they can only put it in dispute. This account belongs to someone else and has never been attached to me. My credit recently dropped because they attached this to my report.
Complaint sub-issue: Information belongs to someone else

The accounts I listed are fraud I don't have any relation with those fraudulent accounts.
Complaint sub-issue: Old information reappears or never goes away

XXXX   XXXX ,  XXXX  continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.   I have contacted  XXXX  where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.  <P/> Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard.  XXXX  is reporting to  XXXX  This issue with  XXXX  has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.  <P/> As  one  of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call  may  be recorded for quality and training purposes, however I do not know if it tuly were.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/XXXX there were XXXX unauthorizes charges that Citibank has not credit old acct number ending in XXXX, new acct # ending in XXXX in the amount of {$360.00}. 
The unauthorized transactions are as follows ; XX/XX/XXXX, {$91.00} to XXXX, XX/XX/XXXX {$170.00} to XXXX XXXX, XX/XX/XXXX {$20.00} and {$77.00} to XXXX of XXXX. 
On XX/XX/XXXX Citibank completed their investigation and said that I was in possession of the credit card at the time of these charges and there for they did not consider it fraudulent activity. 
I have called and written to Citibank certifying that I my card was lost at the time of these transactions and I or XXXX XXXX had not authorized anyone else the use of our cards.
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # 1939 Account name : 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 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: Debt is not yours

The debt is not mine. I have sent in multiple disputes to remove it from my profile and the company has not responded or sent any validation of this account
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute concerning my credit card reporting it showed I still owe amounts on both my XXXX  XXXX and my XXXX  XXXX XXXX, the reported back that the amounts owe on XXXX  XXXX for XXXX was still owed and accurate and the amount of XXXX on credit was was accurate, that they had investigated there is absolutely no way they investigated either of these it makes me wonder if there is fair credit because clearly this was not investigated so it in term leaves me with a lower credit rating and higher interest, credit reporting is systemic racism that needs to be delt with and fix we are not treated equal it's just something they say
Complaint sub-issue: Debt resulted from identity theft

placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX XXXX & XXXX
Complaint sub-issue: Contacted employer after asked not to

Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken!
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it XXXX concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XX/XX/XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XX/XX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 Rent Reporters Acct # XXXX Last Reported : XX/XX/XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 If  you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I want to authorize XXXX  app to deposit and withdraw from my account. The new third party security is withholding me from doing such.
Complaint sub-issue: Problem accessing account

I was trying to access my account today with USBank at XXXX XXXX XXXX. I entered all the credentialing information, and it sent me to reset passwords three times, and none of the passwords worked to access the account. Afterward, I contacted XXXX, and an agent got on the phone, and she asked for all of my information. She was very XXXX XXXX XXXX. Instead of trying to assist me, she stated to download the app and, if I had any other concerns, to call back. I explained that my issue wasn't resolved and wanted to speak with a supervisor. She waited 5 minutes and stated that a supervisor wasn't available. I hung up the phone. Neither the app nor online services work to access the funds due to me in the account.
Complaint sub-issue: Problem with fees

I want to dispute to my credit card provider PNC Bank the amount of {$100.00} for late fee and interest charges in my account. 
I signed up automated payments to avoid paying late fees and interest charges. 
My total balance was withdrawn from my checking account every month. 
PNC Bank mailed me a new card with a new number and new security code, the customer service representative told me that my balance in my card ending XXXX will be transferred to the new one, but never mentioned that I'll have to enroll the new PNC credit card in automatic payment again. 
I spoke with XXXX XXXX PNC customer service supervisor today XX/XX/XXXX but he refused to remove these charges
Complaint sub-issue: Information belongs to someone else

I have been a victim of fraud. I have sent in disputes via mail to the bureaus and they have not responded in the manner they should. I am in fact submitting this dispute, no one is helping or acting on my behalf. I need this fraudulent information removed from my report immediately.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, XXXX, Equifax. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry.

I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Complaint sub-issue: Reporting company used your report improperly

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

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX 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
Complaint sub-issue: Account status

I am trying to get a VA loan but can not because of credit report issues. Issue is with where banks obtain their credit reports from. XXXX in particular that I am aware of Equifax Mortgage Solutions. The credit reports I receive do not show any balance, amount delinquent or duration as mentioned in the XXXX disclosures. The bank 's credit reports however do show outstanding and delinquent amounts. I am retired and my physical abilities are starting to diminish and need to find suitable housing for myself and my spouse.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I co-signed for my daughter to get additional money for school. When I co-signed on loan I asked once she graduated could I be taken off the loan. I was informed my daughter had to make payments on the loan for a year after she graduated but I was also still responsible for the loan. On XX/XX/XXXX, my daughter applied to have me taken off the loan. It had been over a year since she is paying on the loan. On XX/XX/XXXX, I received an email regarding the outcome of the approval of removing me from the loan, and it was denied. I called XXXX XXXX today to find out why the application was denied and was informed because my daughter put her loan in forbearance and wish I was not aware of since I am the co-signer. XXXX XXXX customer representative tells me I had to wait until XXXX to reapply and be removed from the loan. XXXX XXXX loan has been paid on time since XXXX when the loan was approved, and my daughter has paid the loan on the till date. XXXX XXXX contract states as a co-signer I am responsible for the loan if my daughter can not pay it. However, they did not inform me the loan was going in forbearance which would give me the opportunity to see if it was going to hinder anything. However, XXXX XXXX put the loan in forbearance and want to hold me on the loan for another year. Also, when I look at the payments, the forbearance was paid o XX/XX/XXXX, and I applied to be removed from the loan on XX/XX/XXXX.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

equifax data breach, I am a potential victim of identity theft.
Complaint sub-issue: Can't use card to make purchases

Citi approved and issued me a new XXXX XXXX XXXX, upon receiving the card, I registered it and was approved for immediate use. My XXXX purchase was denied and so was the XXXX  the XXXX purchases. I contacted Citi Customer Service on XX/XX/2021 and was assured the problem was resolved. The next day, the problem persisted, I call Citi Customer Service again, the representative had no answers and we ended up closing the account. Due to Citi 's incompetence, my credit report were negatively affected.
Complaint sub-issue: Reporting company used your report improperly

Macys DSNB is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.
Complaint sub-issue: Frequent or repeated calls

I have been contacted at my workplace after informing that I and the company I work for does not allow and appreciate calls from solicitors and debt collectors.
Complaint sub-issue: Information belongs to someone else

My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.
Complaint sub-issue: Problem with customer service

Pennsylvania Higher Education Assistance Agency / AES I have contacted them several times about both covid and issue with my loan being marked as " disqualified ''. This company is one of the worst customer services, they care nothing about the person and only the bottom line. When I made a inquiry about my loans not being charged interest or payment during the INITIAL covid relief act they essentially said " we mange your loan NOT US Govt so we will continue to charge interest COVID or not ''. No " I'm sorry, lets try to work this '' or " it unprecedented times we understand '' ... nope just a straight " NO '' and then went to charge me interest. They are really shady and pretty much the bottom of the barrel. I will NEVER recommend them or use them for any of my kids. By the way the I have other leanders ( thank god ) for some of my student loans ( XXXX   is one ) and EVERY OTHER one suspended payments and interest ... except these scumbags.
Complaint sub-issue: Account status incorrect

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Complaint sub-issue: Deposits and withdrawals

My debit card was hacked on XXXX.2020. I received a text from the bank asking if a charge in XXXX, Fl for {$790.00} was me. I wasn't and It was immediately shut down. At that time I only saw one fraudulent charge. The next day I went to get cash out and there was nothing in either my checking or savings account. I looked online to see what the problem was. There were two fraudulent charges. They only notified me of one. I found out at that time that they paid the first fraudulent charge of {$670.00} which they didn't tell me about. I called customer service to inquire why they didn't tell me about that one and why they paid it. I asked for provisional credit and they refused. I live on SSI and they took everything I had. I begged for them to understand this with no results. I waited a few more days and called again. Again, they didn't care that I had no money and said that I would have to wait the 7-10 days. Today I XX/XX/2020 and I still don't have any money. 
How can they do this to people. I very angry with this bank and feel this is unethical.
Complaint sub-issue: Public record information inaccurate

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Complaint sub-issue: Account status incorrect

Conns XXXX. XXXX XXXX, XXXX, Texas are continuing to report an inaccurate charge off on my credit files as XX/XX/XXXX and XX/XX/XXXX. The original and only charge off was on XX/XX/XXXX. I've asked XXXX, XXXX  and XXXX  to correct this and they have not.
Complaint sub-issue: Information belongs to someone else

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies Equifax, XXXX, and XXXX 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DBA XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Complaint sub-issue: Deposits and withdrawals

I noticed a charge on my card for {$190.00} from XXXX XXXX California on XX/XX/2020. I called to start a fraud claim. I didn't cancel the card then because I wanted to transfer the funds to another account. XX/XX/XXXX, my bank was closed so I transferred the funds via the website. I did not want to transfer the funds that way but had no choice. The gentleman that answered the call canceled the card and transferred me to the fraud department ; who completed my request. After filing the claim another transaction from the same company hit my card this time for {$290.00}. When I called back the next day to report it I was told it was still processing and another charge for {$98.00} was also pending from the same company. I was encouraged me to still speak with the fraud department again. I held on for three hours only for the call to be released. I attempted again today and the call was released again.
Complaint sub-issue: Personal information incorrect

on XX/XX/2021, i check my credit report and notice some inaccurate information reporting on my credit report from the 3 CRAs ( XXXX, EQUIFAX, AND XXXX  ), so i sent them a letter to delete the inaccurate information and update it to my correct personal information because i dont live there.
Complaint sub-issue: Funds not received from closed account

I applied to open a checking account with CITIBANK. They approved it and I made a mobile deposit of my tax return of {$1200.00}. The next day I discovered they closed it and blocked any access to my funds. They said it was because of information theg get from early warning systems. I have been unable to reach an to help me understand what that information was. I live in XXXX XXXX Michigan. The closest office is in XXXX, and on top of it being far away, there are travel restrictions in place. I desperately need my money back. Please help. All I want is to move my money out to another account I have at another bank. They refuse to help me in any way.
Complaint sub-issue: Information belongs to someone else

The attached document account with XXXX XXXX, is inaccurate, fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifax report. The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.