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

n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.
Complaint sub-issue: Didn't receive services that were advertised

I am identified as someone who may have had personal information hacked.
Complaint sub-issue: Funds not received from closed account

Hi, I had fraud committed against my account several times in XXXX and XXXX and Citibank did work with me to retrieve the funds. I received a notice on XX/XX/XXXX that my account would be closed on XX/XX/XXXX due to exceeding my monthly electronic transfers between my savings and checking accounts. I contacted Citibank and explained that I was doing this out of fear of having fraud committed against my checking account so I was keeping my finds in my saving account until needed and then I would transfer to my checking account. They understood this and confirmed that my account would not be closed due to this and they notated the account. They did not have a confirmation number for m since they do not do that. Two weeks ago I was advised out of the blue that my account is frozen and will be closed in XXXX. Nothing would come in or out of my account. Unfortunately my paycheck of $ XXXX was already sent to Citi for XX/XX/XXXX and Citi advised it would be returned. This was never returned and on XX/XX/XXXX I noticed it in my account but I can not withdrawal or transfer it out. I can not touch these funds I need very badly and Citibank continues to give me no or false information and says I will need to wait 30-69 days for a check. They are holding these funds illegally and should not have accepting them in the first place. They sent a letter on XXXX that said I could go to a branch ( very hard to find in my area due to COVID-19 and get a check issued to me there for my funds ... .I went to XXXX XXXX , NJ and they contacted Citi 's Fraud unit who locked the account and the manager ( whose name I was not provided or number ) advised the personal banker that he could not issue my funds and I had to wait for the process and gave no timeframe. I have no money and a family ... .I live paycheck to paycheck. Other items are bouncing and my credit affected. This needs to be resolved immediately I don't even have gas money. I was most recently told by Citi to open a new checking account so I can transfer the funds to it at a branch. I opened the account XX/XX/XXXX and plan to find another branch ( far away I am sure ) tomorrow but someone at Citibank Customer Service told me that was bad information and it would not work. All I get is wrong information and simply want my money ; I have done nothing wrong. Please assist. XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I noticed several emails from Best Buy that orders were placed on my BB Citibank card and that they were ready for pickup. One email had already confirmed that the items were picked up. I was out of the country ( XXXX, XXXX ) at the time and these items were picked up in Arizona. I was able to cancel the orders that werent picked up yet, however was too late for the other one. It was a charge for $ XXXX. I submitted a fraud report through BB Citibanks online portal and received a letter in the mail several weeks later stating that the investigation was complete and that the charge was fraudulent and there was nothing else I needed to do on my end. Then about a month later I am getting emails from BB stating that I owe $ XXXX. I called and spoke with a BB fraud XXXX representative who stated that he did not see anything in the system about a fraud charge report nor any investigation and that I still have the charge on my card. He said that he would report the card as lost/stollen and open up another investigation. This was a few weeks ago and now Im getting harassing messages saying that I am past due. No follow ups about the investigation at all.
Complaint sub-issue: Information is not mine

Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX KEPT CALLING MY WIFE IN CHAPTER XXXX BANKRUPTCY ALONG WITH MY CELL 16 TIMES TO ( XXXX ) XXXX AND ( XXXX ) XXXX, DURING AUTO MATIC STAY FOR COLLECTIONS NOT LISTED IN DISCHARGE. SEE ATTCHED, WE HAVE SCREEN SHOTS TO CELL PHONES.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$83.00} FIRST XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$990.00} XXXX {$960.00}
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2020 Sears Mastercard close my account after receiving payment of total balance outstanding. The reason given by Sears Mastercard was information received from my XXXX  Credit Report with incorrect information from XXXX XXXX in dispute. I contacted Sears Mastercard via telephone and email on XX/XX/2020 to inform them that my intention was to reduce my Credit Card Utilization. I requested an appeal to have the current credit limit reported to the credit bureaus.
Complaint sub-issue: Problem accessing account

PNC does not allow transactions with companies that use XXXX the mobile transfer service. I have a lot of money in two different apps and I am unable to access it via my checking account due to this issue. The third-party apps insist the bank must make this change, yet the bank blames the apps for using XXXX. 

I did not know I could file a complaint about this issue, but one app XXXX   suggests its users contact the CFPB. 

Thank you for reading, and please help customers like me who are having this problem.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX representing XXXX have filed a collection report on my credit report. My XXXX  dropped 22 points! The amount is {$1300.00}. This is absolutely not my account. I have no knowledge of this account or the bogus debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Complaint sub-issue: Information belongs to someone else

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I have contacted FTC   and the police and I'm doing this on my own. Chapter XXXX  bankruptcy, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX. There are also inquiries on my report that are not mine. 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
Complaint sub-issue: Report improperly shared by CRC

currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.
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 XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Investigation took more than 30 days

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2018 XXXX XXXX ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a 1 x 30 on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted XXXX XXXX and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has sent me more than 3 times in writing that a item cis information was deleted. I have attempted more than 20 times to have it removed with a incorrect address. The address updated recently after a threat to the XXXX. The inquiry still remains even tho they claim its been deleted. They apologise over the phone every sentence but the information remains in there data bass and on there web site page showing the information remains
Complaint sub-issue: Reporting company used your report improperly

I was recently denied my right to shelter due to incorrect information being reported on my SAFERENT SOLUTIONS profile in which I was unaware that I had. I don't know how XXXX XXXX and SAFERENT SOLUTIONS obtained non public information and then furnished it without my consent.
Complaint sub-issue: Information is not mine

I have been a victim of Identity theft since XX/XX/XXXX. I have sent police reports and letters to all the Credit Agencies ( XXXX, XXXX, and Equifax ). All credit bureaus have remove fraud information from my credit except for Equifax. I have filled over XXXX different disputes in the pass couple month trying to get my credit fixed so I can get my life back. I dont have a simple checking account to this day. Because Identity theft has left my name and credit torn to shreds and it sickening having to deal with a Credit Bureau who are not will to help when they have all the supporting document they need to remove this fraudulent infomation. Please help me. I dont know what else to do. Equifax disputes in the past couples month ( XXXX ). That is fraudulent information needs be removed ASAP and their company needs stop allowing fraud info to be added to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX/XXXX/XXXX Monthly Date Closed {$1300.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes *Department of Treasury ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of {$670.00} XXXX/XXXX/XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX XXXX ) XXXX Date Reported XXXX XXXX/XXXX/XXXX {$650.00} XXXX XXXX {$650.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Open ; Type of Loan Deposit Related ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes Thank you, XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Received letter on the XXXX  of XXXX, with the date of the XXXX  of XXXX. The amount is XXXX. I have been injured on the job due to a fun shot wound while delivering for XXXX. Since I can not work due to the medication and the fighting with Workman 's Comp Insurance am not receiving a paycheck. Discover Financial Services have pursued to litigation against me if I do not pay the debt by the XXXX  of XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM XXXX REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - XXXX COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Complaint sub-issue: Account information incorrect

XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my XXXX  and Equifax credit report.
Complaint sub-issue: Account status incorrect

I have reviewed my credit reports from Equifax, XXXX and XXXX and have found the following fraudulent inquiries on my credit report : Fraudulent Inquiries Under Equifax XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXXl
Complaint sub-issue: Investigation took more than 30 days

Credit bureaus did not respond to my letter of inaccuracies on my credit report within 30 days
Complaint sub-issue: Public record information inaccurate

I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX/XXXX  XXXX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently challenged the validity of I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Complaint sub-issue: Didn't receive enough information to verify debt

i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.
Complaint sub-issue: Information belongs to someone else

I was aware of this fraud account on my credit XX/XX/2019. I am  not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Complaint sub-issue: Trouble with how payments are being handled

I have set up my Great Lakes account to pay my principal after the monthly minimum payment. I set it up to directly go 100 % towards my token with the lowest amount. I called and got the run around on how to do this. I have started the process 3 months ago and my account is still not being allocated as I would like. I still have my excess payment paying interest after I called and switched it online to have 100 percent go directly towards my principal. They have it set up as paid ahead and I told them I do not want this I would like 100 percent to go towards my principal. They told me this can not be done. I know this can be done because I did this with my other student loans. I am also getting different answers on different days I call. The next step will be writing them a letter I got off of the Consumer Financial Protection Bureau that states in writing how I want my excess payment allocated.