Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX XXXX is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXX XXXX XXXX  XXXX and XXXX XXXX  a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to XXXX, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX XXXX- {$1200.00} XXXX. XXXX XXXX- {$3400.00} XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX- {$1700.00} XXXX. XXXX XXXX- {$1500.00} XXXX. XXXX XXXX XXXX {$1100.00}
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Reference # XXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

For the past 9+ years I have maintained an exemplary standing with my Commerce Bank Visa credit card account. In the past 1-2 years I added my granddaughter and a couple of nieces as authorized users. On XX/XX/XXXX of 2021 I called to remove my granddaughter, XXXX XXXX from the account. 1 ) adds can be made online but I was told that deletions could not be completed by phone or online, instead a form would be mailed. A form was mailed, however, the wrong form was sent to me ( it was a form to add an additional user instead of the promised deletion form ). 2 ) On XXXX the representative advised that while waiting for the deletion form, he would close my entire account and reissue a card to me alone ( which he did ). 3 ) On XXXX I paid the total account balance of XXXX dollar to bring my account to zero. 
After the closure of my account and new credit card number being issued, my granddaughter continued to use her XXXX  card ( which was linked to both her XXXX XXXX bank account and her old, closed Commerce account ). Commerce transferred charges after XXXX from XXXX 's old, closed credit card to my brand new credit card without authorization. To my surprise, I logged on and found additional charges along with a late fee for unexpected charges. The 1st two reps that I spoke to admitted that there was a breakdown in their internal controls that allowed XXXX  charges linked to an old, closed account to be transferred to my new account, however, Commerce fraud review representative came back and said that i was still liable even though 1 ) the prior account was closed 2 ) the new account only issued a card to me alone 3 ) Commerce had not provided the form necessary to remove anyone ( supposedly closing the old account was the solution- this can be heard on the phone transcript that Commerce refuses to provide me a copy of ). The XXXX charges made after XXXX are the responsibility of Commerce , not me. They failed to provide a way for me to remove users so they instead closed my account to avoid unwanted charges.
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 Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX , Has all 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30  DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.
Complaint sub-issue: Problem with balance transfer

I've always paid off my balances in full with Citicard. I hardly carried any balances on my card or any other credit cards. I received offers for a 0 % balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 0 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to receive a letter indicating that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the 0 % offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money. I called the number on the back of my card as well as XXXX where I was met by a very rude representative. I encourage Citi to listen to the recording. Please see attached offers and letter received indicating a reduction in credit lines.
Complaint sub-issue: Personal information incorrect

Equifax has XXXX accounts tied to my social security number as a result the 2017 breach. The incorrect account has the wrong birth year but all of the correct addresses. The incorrect account reports all balances {$0.00} when in fact they have balances. This account is what is being pulled by creditors when I have applied recently. The other account has all correct information except all my previous addresses. 
I have been working on this for years. I've sent in my social security card, a copy of my drivers license and they still will not delete the erroneous account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I've been unable to access myequifax.com for the past three days in order to view my account, manage a freeze, or dispute a negative entry on my credit report. I have tried calling equifax as well and gone  through their identity verification process, yet despite providing them with balances to my various bank and credit accounts while directly viewing those balances online, they are unable to verify my identity over the phone.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX
Complaint sub-issue: Banking errors

Citibank had over 2 months to respond and have NOT. CITI STOLE OVER {$30000.00}. CITI NEVER RESPONDED. I WANT MY MONEY.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Complaint sub-issue: Fee problem

I have a checking account with Citi bank. The bank has been charging me XXXX XXXX monthly fee. When I called the bank last year in XXXX they said if I have {$500.00} minimum deposit in the account then there will be no fee. 

I deposited {$500.00} last year and bank has been deducting {$12.00} per month from my account. When I called the Customer relations officer they said bank will not charge any fee due to Covid till XX/XX/2021 restrictions. 

Still bank deducted {$12.00} per month from XXXX to XXXX XXXX.I have a Citi bank credit card. I also linked my family bank account with my account. 

Still bank deducted {$12.00} per month even after saying no fee will be duducted due to Covid till XX/XX/2021.
Complaint sub-issue: Company closed your account

The Verification section claims that their closed the credit card because they were unable to verify identity. In their own findings, the account was not founded as valid. 
They actively closed the credit card with a balance due without providing purchase review support with fraud department in 2018. 
After reaching out many times and reporting to police, Fraud support section claims they were unaware of account verification problem at account opening and any subsequent purchase review needs.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my Equifax credit report and discovered that fraud occurred on XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never authorized this bank to pull my credit report, I called Equifax and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX Account Review XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with Equifax, and they're willing to help me.
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX I deposited a check ( check XXXX ) for {$600.00} into my Citibank checking account. As per policy I was allowed to take {$100.00} out on that day. ( I am allowed {$100.00} the day of the deposit, {$200.00} the next day, and the rest on the third day when I deposit a check ). I was surprised on the second day when, expecting {$200.00} to have been released, I went to the grocery store and my card was " not authorized. '' I went online to check my account balance only the area that usually has my account summary was completely blank with no information. I called up Citibank to find out what the problem was and was told that my account had been blocked for ten days because the bank of the writer of the check, XXXX XXXX, had given Citibank a courtesy call to tell them that this check would " possibly '' be returned. I called the person who wrote the check who assured me that the check had been paid and the money taken from his account. I called Citibank again ( Loss Prevention ) and spoke with a very helpful woman who spent some time trying to contact XXXX XXXX to discuss the matter, but she was n't able to reach anyone at the bank. Since then the check writer has contacted his bank, which assured him that the check was paid on the XXXX, the day after I deposited it. I have also viewed the check writer 's online ledger, which shows clearly that the check was paid and the money taken out of his account on the XXXX. My next step tomorrow is to call Citibank again, giving them the name and number of the person to contact at XXXX XXXX. Hopefully, this will solve the problem. But what I do not understand is why, when a check has been deposited and paid, is my account blocked for ten days, including access to my account information online. Even if the check had bounced, which it evidently has not, I could have simply deposited the money to cover the amount that I withdrew. It does n't seem to me that cutting off access to my account information was appropriate in this case. I did not do anything wrong and the problem they thought might possibly be a problem did not even occur. Why am I being punished by the bank?
Complaint sub-issue: Was not notified of investigation status or results

I opened complaints to XXXX  and Equifax regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and Equifax. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and Equifax have deemed to be incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing XXXXAlleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.
Complaint sub-issue: Report provided to employer without your written authorization

Wanted to set up appointment with XXXX XXXX XXXX. They did not disclose the fact that they were running a hard-pull on my credit report. They were of no assistance on setting up a solution to have them removed. Did not provide social security number to them.
Complaint sub-issue: Banking errors

Citibank made a serious mistake on my 1099-INT tax form this year. This issue was escalated to Citibank Executive Response Unit over a month ago and it was assigned to their representative XXXX. 

Although I received the corrected 1099 tax form from Citibank by mail now, the electronic tax form in my Citibank online account is still the wrong one. I communicated this issue with XXXX many times so far, but it still has not been resolved yet. 

I request Citibank to correct the wrong 1099 tax form in my Citibank online account immediately without any further delay, because I need to file my tax return to IRS now. 

Also I request CFPB to penalize Citibank for such serious banking errors per federal regulations!
Complaint sub-issue: Their investigation did not fix an error on your report

I CALL IN XX/XX/XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN XX/XX/2015 NOTHING HAS BEEN DONE
Complaint sub-issue: Information belongs to someone else

I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!
Complaint sub-issue: Information is not mine

I have several inquiries on my report from companies, I do not have any accounts or services with. I did not authorize these companies to access my credit records under any circumstances. These inquiries appear on my XXXX as well as my Equifax accounts.