Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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: Problem with personal statement of dispute

I have been trying to get Equifax to verify 3 collections on my credit report. I'm simply asking Equifax for the past 6 months to mail me the information used to verify these collections yet Equifax has failed to do so.

XXXX  and XXXX  has removed all 3 collections off of my credit report for the simple fact that THESE MEDICAL BILLS WERE NEVER MINES. Please DO NOT continue to UPDATE my disputes. I even provided a letter where XXXX XXXX XXXX stating " This does not mean that the dispute is valid '' yet only Equifax has kept it on my credit report.

Also the debt is 7 YEARS old and should be REMOVED for my credit report.

XXXX XXXX XXXX Account # ending in XXXX Account # ending in XXXX Account # ending in XXXX Plus certified letters I sent them to valid the debt and wasn't able to do so ...

XX/XX/2020 XX/XX/2020 XX/XX/2020 Please provide the information you used to VERIFY these collections are mines.
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account 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. 

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 XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. 

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: You told them to stop contacting you, but they keep trying

.I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response
Complaint sub-issue: Information is missing that should be on the report

Information has not been promptly received or reported to all 3 credit reporting agencies. 
There should be to 2 car loan trade lines on my credit report. There should be reporting for XXXX and XXXX. With full payment records.
Complaint sub-issue: Problem with balance transfer

CitiCards received a refund credit for XXXX XXXX XXXXn the amount of {$4100.00} on XX/XX/2022 from which they have paid off my balance and subsequent charges without my permission. My payment is not due for 2 weeks. When I called and requested them to transfer the credit to my CitiBank checking account that I pay my CitCard payments from I was informed that this was impossible and that the only option I had was to receive a check in 5 days in the mail. I asked for them to overnight my check and was told that this was not possible. 
If I owed CitiCards a balance I would be charged over 18 % interest as well as a late fee.

CitiCards has done this before and I have been told that this was their practice. The refund is my money, and CitiCards has no right as to what I want to do with it. I have looked at my agreement wit CitiCards and I do not see anything that says that any credit I receive is theirs to do with what they want. I consider this an act of conversion, and if this is their practice it should be changed.
Complaint sub-issue: Account status incorrect

Discovercard Actual Statements : The uploaded documents I received from DiscoverCard Shows DiscoverCard is intentionally and maliciously reporting wrong data to the credit bureaus. 

This XXXX because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on XXXX credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over XXXX old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where Discovercard has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows XXXX thing and these show another! XXXX going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!
Complaint sub-issue: Problem using a debit or ATM card

I have filed 3 dispute with my bank PNC {$250.00} ( XXXX XXXX XXXX ) XX/XX/2022 {$1100.00} ( XXXX XXXX  ) XX/XX/2022 {$960.00} ( XXXX ) XX/XX/2022 I contacted the company and my bank for all these dispute and i have received was a run around from my bank and no giving me any information on the disputes
Complaint sub-issue: Personal information

There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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: Information belongs to someone else

Looks again this month on my credit report for Equifax. Again still showing an inquiry from XXXX card service- national credit card Cos. This was not made by me. This was done fraudulent. Part of identity theft. I was told in an email and it was reported by Equifax this inquiry will be take off. Still today it has not been taken off. Please take off this fraud inquiry thank you.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Account status incorrect

Debt with XXXX was paid off back in XX/XX/XXXX. 
They advised as soon as the debt was paid in full the account will no longer reflect on my credit. I have sent them numerous request to delete the tradeline and they have been unresponsive since XX/XX/XXXX. Per law they have 30 days to respond to my dispute and they have failed to do so, document attached shows no update status since XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Lending Club is reporting to the 3 credit bureaus inaccurate 30 & 60 days past due. I have disputed the items and they did NOT correct them.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Debt is not yours

There shouldn’t be anything on my credit as I have done bankruptcy years ago and mailed to all credit bureaus and most of things on my credit have been on there over 7 years but credit bureaus are so lazy to take them off, I have called, written letters and explanation of why my credit should not have anything on it. 
I even ordered my credit report from all 3 credit bureaus and they all have so many different names under my name that is not me as my identity has been stolen and I have mentioned to all credit bureaus but they don’t seem to care to even fix or take off the names that are not my name on my credit. I’m very disappointed with all the time I have wasted to communicate back and forth with credit bureaus with no respond or changes.
Complaint sub-issue: Cashing a check

I sent a check to XXXX XXXXXXXX XXXX XXXXXXXX for {$8.00} on XX/XX/2022. XXXX did not cash that check and someone else took that check and check washed it. They wrote a check to XXXX XXXX XXXX for {$740.00} on XX/XX/2022. PNC took the money out of my checking account on XX/XX/2022. I proceeded to tell my bank that this was not a check that I wrote. PNC took all of my complaint information about the fraudulent check and had it notarized. They sent the information to XXXX XXXX XXXX  on XX/XX/2022. This is the bank that the XXXX XXXX XXXX deposited the check into. I have been in contact with PNC for over 5 months now with no results. I would like to know when I can expect my money back. I am a XXXX  with very XXXX XXXX  and need the {$740.00} to live on. I hope that you can help me. I really appreciate your attention to this matter. I don't know what else to do anymore. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove inquires from my credit report. XXXX told me to list them individually for them to remove them. Please see attached police report.
Complaint sub-issue: Information belongs to someone else

the accounts on my credit report do not belong to me
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account :
Complaint sub-issue: Information belongs to someone else

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX  took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act conversion account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXXXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform Equifax that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. The account that should be corrected is : XXXX XXXX
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, I opened US Bank account since they had a bonus offer to earn {$400.00} when your direct deposits total {$6000.00} or more in XXXX days. I have confirmation emails from us bank for this. I had set up a direct deposit with my employer with this bank account. On XX/XX/XXXX when I logged into us bank website to check whether my paycheck has arrived, the website did not show my bank account which was surprising. Upon calling customer service, I was subject to XXXX behaviour and was told that my bank account was closed on XX/XX/XXXX. When I tried to ask the reason for closure the customer service agent XXXX told me that she wont be able to provide a valid reason as its against their policy and that she does not understand how people coming to US from other countries are able to successfully open a bank account in the US. I was shocked to see the lack of training and the lack of basic ethics in this representative. No empathy, no understanding of the situation that I would now have to hassle around with my employer because the dd deposit will not arrive in time. I was never notified via email or mail that the account is closed. To top it, I had to hear a XXXX comment about how outsiders are able to open a bank account in the US. This was just not a perfect way to start my morning. However I researched on the internet and checked online about the numerous XXXX behaviour complaints against US Bank and then I wasn't surprised about what had happened. I am not sure whether this would be read or acted upon but I still felt that this kind of behaviour wasn't necessary and should not be repeated so I am writing this complaint.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My insurance XXXX XXXX paid off this debt. The debt was recently removed from XXXX and XXXX and XXXX is still reporting its unpaid. I was never supposed to been billed because I have XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Complaint sub-issue: Investigation took more than 30 days

Equifax has been sent two letters to correct inaccurate information on my credit report and I am being ignored. My child support case is closed and they are reporting it as open. Moreover it's also being inaccurately reported as 120 days late for {$0.00} dollars and my monthly payment is being reported as {$0.00} dollars! Please tell me how I can be 120 days late when I owe NO MONEY and my monthly payments were {$0.00}? Makes no sense.
Complaint sub-issue: Reporting company used your report improperly

In the past few 5 years I 've used Equifax to obtain my credit report and obtain credit monitoring services. I 've now learned that due to a security breach my personal private information may have been made available to criminals. Furthermore, Equifax 's website may or may not be able to confirm whether my private information was stolen or not. This puts me at risk for identity theft as well as other financial losses.
Complaint sub-issue: Investigation took more than 30 days

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.S 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. My information was impacted by the Equifax data breach as well so therefore got into the hands of a criminal.
Complaint sub-issue: Deposits and withdrawals

I was receiving my unemployment benefits on the us bank relia card and I wish I could be more exact about dates but unfortunately us bank once the hold was put on my card they denied me access to my account all together online. I think the last time I was able to use the card was XX/XX/XXXX since then they will not give me my money back. I have faxed them my XXXX taxes, picture ID & social the first time. They said they needed more so to log into verify.usbank/retail which I did and take a photo right there of my ID which my hair was red and the ID broken and a selfie. Which my hair is blonde now so they said they couldn't Verify so therefore there was nothing they could do. I asked the lady what about my XXXX $ I saved and needed that especially during these times and she said it shows it's there but my account will never be active again. I then asked for a check or transfer of some sort that they couldn't just keep my money and they said to call my local health dept so I did in Utah and was on hold for 2 hours just for that lady to tell me that they paid the money to the bank therefore it is not in the hands anymore and to get ahold of bank.. so I just would like to. Be pointed in the right direction as to how I get my money that was from unemployment during these rough times? Please help