Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard Inquiry XX/XX/2018- XX/XX/2018 XXXX XXXX ( XXXX ) and all responding from EQUIFAX Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then EQUIFAX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and EQUIFAX don't want to remove this Unauthorized Hard Inquiries
Complaint sub-issue: Deposits and withdrawals

I made a deposit of XXXX dollars into my Ally bank account on XX/XX/2022 and the funds were made available XX/XX/2022. Once the money was in my account I transfered the money to my property manager on XX/XX/2022 for past due rent. For some reason that action caused them to freeze my account. I have been calling daily and getting no answers. When it first happened I spoke to someone in early XXXX that claimed they just needed to verify my check and then my account would be unlocked in 5-10 business days. Its been over 2 weeks now and I still have no answers. Its the only bank account I have and with no access to my money Im worried that my power & phone will be shut off soon. Im not sure why I am being treated like a criminal, the check was from the state of california so I dont understand why my account was frozen over it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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: Investigation took more than 30 days

I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Complaint sub-issue: Can't temporarily delay making payments

Due to the impact of the COVID-19 virus situation, I called two companies, XXXX XXXX and American Education Services today ( XX/XX/2020 ) to seek forbearance for three months on my student loans payments. The service representatives, in each case, told me that the forbearance will be decided upon later and they will let me know the status but the interests on the loans will continue to accrue during the period of forbearance in case they are even approved. 

I feel that these two companies are heartless ones who don't have the needs of the American citizens at heart but are only interested in their profits no matter what is going within the lives of the citizenry and should be called to order asap.
Complaint sub-issue: Debt was paid

Had cell service the service however didn't work in the area I lived. My complaints caused the phone company to suggest updating my cell which I did and didn't improve my service so with multiple complaints of dropped calls and inability to make calls XXXX released me from contractual obligation the failed upgrade put me in.I wasn't under contract prior to upgrade and was month to month until the update they recommended Since I was released and needing service I found a new carrier. It was when I had already opened new service that I called XXXX to see if I was expected to return the old phone and the rep on the phone didn't know about my account and told me I would be charged? I purchased a new phone and service and XXXX expected me to honor the contract I was told I was released from?? I was a customer since the mid 1980 's  and am disappointed!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021, i sent Equifax about inaccurate and incomplete items they are reporting on my credit report. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, The Citi Bank Double Cash Credit Card told me the Citi 's billing dispute investigator requested multiple times from the merchant ( XXXX XXXX XXXX ) for the refund of {$5000.00} that needed to credit back to me, but the merchant did not respond. The Citi told me they could not do anything about it, and I had to get money back myself from the merchant by filing a law suit or complaining with the XXXX XXXX XXXX 

The disputed was initiated on XX/XX/XXXX for {$5000.00} charged by XXXX XXXX XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX ) During the investigation, I responded to the Citi 's latest letter dated XX/XX/XXXX ( attached ) by submitting requested canceled check of {$13000.00} and settlement agreement that settled the disputed credit card charges of {$18000.00} ( including {$5000.00} ). 

Indicated in the Agreement signed by both parties, my cashiers check of {$13000.00} which already deposited by XXXX XXXX had been settled for the dispute of credit card charge of $ {$18000.00} XXXX sum of {$4200.00}, {$9000.00} and {$5000.00} charged by XXXX XXXX in XX/XX/XXXX XXXX. I had been credited back two out of three charges except {$5000.00}. The {$5000.00} was deposited by XXXX XXXX and needed to be returned back to me. It is Citi bank 's responsibility to obsorb {$5000.00} as I should have got a credit.
Complaint sub-issue: Debt is not yours

I received an alert from XXXX Credit Reporting about this item. IC collections report a debt that was found out to not be me. They had no social security information on me as well as no Date of Birth information incorrect addresses. I spoke with a XXXX XXXX Hospital RepXXXX that verified with me that they do not collect Social Security Information or personal id information. The rep. also verified for me that there are 2 dates of service totally the amount of the debt. Also confirmed for me the person the debt belonged to was a person who lives XXXX, TN. This company has harrassed my parents home phone as well as my personal phone. XXXX an Item to a credit bureau on a person that did not verify there information.
Complaint sub-issue: Other problem getting your report or credit score

Im unable to attain my Equifax credit score and report via myequifax.com and XXXX XXXX. I would like this issue resolved
Complaint sub-issue: Information belongs to someone else

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting an inaccurate account on my credit. Equifax is reporting a hard inquiry from XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. Equifax is inaccurately reporting this account on my credit report and it is causing me undue financial hardship.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi sent a promotional e-mail for my XXXX XXXX XXXX card on XX/XX/XXXX with a subject line of " Don't forget, XXXX, starting next month you'll earn more at restaurants and gas stations ''. I did not read the e-mail and deleted as I don't typically read promotional e-mails. 

On XX/XX/XXXX Citi sent a second e-mail which stated " Corrected subject line : Don't forget, XXXX, starting XX/XX/XXXX, you'll earn more at restaurants and gas stations ''. When I saw " corrected subject line '', I decided to open the e-mail and see what the e-mail was in regards to. There are two pictures and three paragraphs which refer to earning 2xs miles at restaurants and gas stations and a {$100.00} flight discount, among other things. Some of the text is bolded and some information was included in large red boxes. However, when you scroll to the end of the message, in the very last paragraph, with text that is NOT bolded or in a red highlighted box, they disclose the annual fee will be increasing. 

This seems like the definition of deceptive. The increased fee should not be buried in the bottom of a promotional e-mail after the new benefits are highlighted, which is not in the same font/size as the promotional information, and the subject line does not reference the fee.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Equifax Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX. They never noticed me of putting the fraudulent account on my credit after they deleted this fraud XXXX years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already XXXX XXXX XXXX XXXX XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on XXXX, Equifax and XXXX XXXX this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and XXXX XXXX Identity theft and my consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX from my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXX and will continue to make payments until the entire loan has been paid off. Recently XXXX  and Equifax show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with Equifax they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 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: Company closed your account

I found on my credit report during the XXXX in XXXX, that my Discover credit card was closed. I called Discover customer service today ( XX/XX/XXXX ) and learned that it was closed due to inactivity, at around end of XX/XX/XXXX. However, I didn't receive any notice about the inactivity and their intention to close my account. 

This is my oldest credit card account and has a major contribution to my credit history. Discover closing my account without giving me notice is severely hurting my credit score. 

I have been current on all payments for the history of using this card, and I'm frustrated about them closing my account even having being a loyal customer.
Complaint sub-issue: Can't use card to make purchases

I had two active cards with citi Bank diamond and citi bank double cash .i was affected by covid and i could only pay the minimum and when I received other money i would send extra. I was trying to get my usage down so 1. So can get my credit rating backup due to a XXXX breach of my personal info that caused an avalanche of credit problems with XXXX XXXX, ( who is going through problems that has affected many of their consumers ) this breach causing me to fall behind because many of my payments were sent back to my creditors unknown to me. XXXX i could not reach citibank until XXXX of XXXX. When i did reach them I asked Citi Bank how were they assisting their customers during the pandemic since i am XXXX XXXX and following the rules that the governor set? They offer two months and i managed to pay extra, my accounts were over the limits due to interest fees late fees and usage. We were in a global pandemic, i had to feed my children and help them adjust to remote learning at home, this was the first time i had to have fourteen computers on in one location ; needless to say it did not work so I had to set7 computer in one location and7computers at another location so everyone would have access ; I soon learned that access in XXXX, XXXX and areas outside XXXX, XXXX, ( underserved communities ) were different. I had difficulty reaching citibank, i could not reach by phone and when i did i would be on hold for hours and could not access them through internetcausing late fees in XXXX and XXXX. This was by design. I informed them this was not my fault.During the reopening process i was able to reopen my buisness at 25 % capacity, my tenants were not able to pay rent and in Massachusetts they ( we ) were protected under the moratorium. In XXXX from non eviction ... no income from income property and yet i manage to pay and on time when they could be reached. The problem is, as i paid they decreased my credit limit on the Citibank diamond they lower my balance and when i called them and asked why they were setting me up to fail they closed the account on the credit report but not on my statement making me think i can use the card ... unfair practice ( translation -do as i say, not as i do ). The double cash card they just lowered the availability as i used it. My usage is at a 100 % when i have paid this account. They have been unfair to me during a time of uncertainty. They lowered my credit limit onXXXX again ... so no matter what i do if i pay the minimum i will be at 100 % usage and pay more fees over time and if i pay a lump they would lower credit limit and i would be at a hundred %. I pay. A lump sum thinking if i need to buy something i could ... wrong you cant. I know i am not the only one trying to balance during this global pandemic.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : XXXX Shows XXXX XXXX Shows XXXX Equifax Shows XXXX. ( There should be no past due on a collection ) Date of last Active : XXXX Shows XX/XX/XXXX XXXX   shows XX/XX/XXXX Equifax Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
Complaint sub-issue: Deposits and withdrawals

At the beginning of XXXX I was charged twice by the same merchant for the same service. So because the Merchants resolution process could take up to 90 business days I called my Bank Credit Karma Money Spend Account ( MVB Bank ). I notified them that I wanted to file a dispute for the double charge and provided them with the evidence of these duplicate transactions. Upon doing so my account was immediately locked or frozen, then several days later I recieved a notice via email that my account had been provisionally credited for the amount pending the remainder of the investigation. The only issue is that my account remained locked and completely unusable and has since that date. I never received an alert, a warning or a notice that my account was being locked or reviewed. No one contacted me and has not reached out to me since. When I contact customer support I am told the same answer every time. " We can not see any information about your account but it is under review by our " higher team '' and this " Higher Team '' can not be contacted by phone or email. They will reach out to you within 10 business days with a response or resolution about your account. Well its been over 45 days and my account is still locked, all the money i had was in that account and I have a family to take care of. I have since received several emails saying my account is still under review and other emails stating that my account is closed and the money would be sent to my linked external checking account within 5 business days. Still nothing. Still no response or details, this just can not be legal. I need someone to look into this, after reading up on my situation online I can see that thousands of other people have had the same experience. It's time someone puts a stop to this, its not ok. Please advise.