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

THIS ACCOUNT WAS REMOVED FROM MY XXXX  FILED BECAUSE I SHOWED THEM THIS ACCOUNT WAS NOT MINE. NOW IT IS SHOWING UP UNDER ANOTHER COMPANIES NAME. I HAVE ALREADY TAKEN CARE OF THIS. THE AMOUNT IS $ XXXX OPENED RECENTLY.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries on my XXXX and Equifax Credit reports I did not authorize
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Complaint sub-issue: Reporting company used your report improperly

Improper use of identity file without consent in violation of FDCPA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), 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
Complaint sub-issue: Was not notified of investigation status or results

To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the Equifax data breach and this may be the result of the inaccurate items on my reports.
Complaint sub-issue: Reporting company used your report improperly

Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX 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: Account status incorrect

XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
Complaint sub-issue: Problem accessing account

We are trying to connect our PNC accounts with other institutions who are using the XXXX   XXXX  to do so, but PNC is not allowing these connections to be made. It makes banking unnecessarily difficult and is therefore very frustrating.
Complaint sub-issue: Account information incorrect

I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.
Complaint sub-issue: Problem getting your free annual credit report

Equifax only cares about their profit. They are a publicly traded company that only cares about their profit. I have tried to pull my free credit report from XXXX XXXX XXXX and I have attached the error in image 1. XXXX shows my score as XXXX but this is far from the reality. If I request my free report I get the attached error but if I pay equifax for my report I can get it immediately. I have also attached images of equifax reporting me 90 days late for the same student loan 28x. Yes, the same {$3000.00} student loan being reporting late 90+ days 28 times. When I paid the loan off I was told I have a one time chance to have the negative marks removed so I took it. I paid {$2400.00} so I could fix my credit but now I am out of {$2400.00} which I really needed to survive during covid. Not only am I out {$2400.00} but I am unable to find an apartment and can not even finance a car to travel or possible temporarily live in because 28x 90+ day marks show up on every report. Please help I am trying to do everything right. Attached images are 9x 90 day late and the other is 19x late. Same student loan and if I try to contact them they send me to someone else over and over and over.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I applied for a credit card with the bank, and was approved. I did not receive the card, and apparently it was stolen before arriving at my house. XXXX fraudulent charges were made on XX/XX/XXXX. The transaction amount totaled around {$2100.00}. A few days later, I found out about them due to a fraud alert service. I immediately called Bank of the West to report the card lost. 

Due to my e-mail address not matching their records ( but everything else matching ), Bank of the West said I had to go to a Bank of the West branch to dispute the charges. I did so on XX/XX/XXXX. There, I spoke to a teller, who called the credit card service, and I was able to dispute the charges. I was told they'd mail me confirmation of the dispute, which I never received in the mail. 

Per the Bank of the West 's advice, I also filed a local police report, and an identity theft report with the Federal Trade Commission. 

Since then, I've been periodically calling the Bank of the West to inquire the status of the dispute. One time they told me it would take up to 30 days. That has since passed. Today, XX/XX/XXXX, they said it will be 2-3 weeks until it might be resolved. 

This is by far the longest I have ever had to wait for a credit card dispute to be resolved.
Complaint sub-issue: Didn't receive enough information to verify debt

I've had my student loan transferred from XXXX XXXX to First Mark Services. It was setup on autopay at XXXX and I saw the account disappear awhile ago on XXXX website. I've been receiving a ridiculous amount of email and paper mail from XXXX XXXX explaining that they're transferring student loans and to wait for FMS to pick up payments. I've not received a text, email or letter from FMS and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. XXXX XXXX has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for FMS.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX   XXXX {$3700.00} XXXX   XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} COLLECTIONS XXXX {$420.00} COLLECTIONS XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}
Complaint sub-issue: Reporting company used your report improperly

Through inadequate data protections, Equifax, has allowed mine and millions of others very personal identity data to be leaked. ( Their own site acknowledges that my personal data was likely included in the breach. ) While the breach itself should be investigated and prosecuted. Equifax should bare extraordinary responsibility and fault in this breach, as I as a consumer have no choice in protecting my data from Equifax and other credit agencies themselves, should I wish to participate in the modern economy. 

To make matters more egregious, their recourse is to provide me with a credit monitoring service, which i myself must manually engage, and maintain. And yet still this will not protect my credit and identity. It will simply alert me once the a problem has happen. To do this would, i would need to at minimum freeze my credit, which I must purchase, at my own expense.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Old information reappears or never goes away

I have recently disputed the following account with the credit bureau ( Equifax ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2022 I reported to Citibank fraudulent charges of {$120.00}. At the time I owed them {$66.00} which I paid off in full. They cancelled my card sent me another one fraudulent charges continue with that they closed that account and close the account out. Despite several calls since XXXX and they sending me letters admitting they are working on the dispute I still get automated daily harassing telephone calls saying " trying to collect a debt '' -even on Sundays- and letters saying I owe {$160.00} which includes interest even on Sundays. Every month they email me saying my statement is ready but I never received one in the mail. The letters they sent me said my account is closed so why am I receiving statements Citibank has reported negative payments with the XXXX reporting agencies lowering my credit score. I owe them nothing. when I call citibank I get transferred all around with no resolution of the dispute That I initially reported in XXXX of 2022. 

I don't have complete credit card numbers because I was instructed to destroy the cards. I only have last XXXX digits. Original account ended in XXXX. Replacement ends in XXXX
Complaint sub-issue: Problem getting report or credit score

i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX. On XX/XX/XXXX, I received a hardship forbearance with XXXX XXXX, good until XX/XX/XXXX. Last fall the company began sending me statements requiring payments. I emailed repeatedly - which they NEVER answer, wrote them many letters - which they NEVER acknowledge, and finally called them XX/XX/XXXX. The representative merely read off a pre-scripted page and refused to address my problem. XX/XX/XXXX I received a statement, showing XXXX balance due. Then I began receiving statements about every 4 days with different amounts owed, one of them over {$2000.00}. I just received another statement yesterday. 
I have no payments due - either principal or interest - until XX/XX/XXXX. 
XXXX refuses to address the issue, nor do they respond to any of my correspondence. I do not want XXXX to seize my XXXX tax return, which my family of XXXX depends upon. 
Can you help me? 
The mistake has been made by XXXX XXXX, and they refuse to correct their mistake.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX 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 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
Complaint sub-issue: Information belongs to someone else

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX  ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I had opened an account with Citibank with Ms XXXX XXXX at the XXXX XXXX NY location. She had promised the then running Citibank promotion of {$1000.00} for depositing {$50000.00} and maintaining that amount for 60 Days. 
As I have fulfilled the requirements already and that time frame has passed but the said promotion was never credited.
Complaint sub-issue: Problem with fees

Hi, Citi bank unilaterally closed my credit card with them, shortly after I paid the annual membership fee of {$490.00}, and has refused to refund me the annual membership fee. 

I have had a Citi prestige card with Citi for 5 or 6 years now, and have paid the annual fee each year ( except for the first year where it was waived ). Each year I pay {$490.00} for the card, which I consider a sizeable fee, to avail the services for the full year. 

This year, on XX/XX/2021 Citi charged me the annual fee of {$490.00}. Subsequently, on XX/XX/2021, they sent me a message that my account was going to be closed - a unilateral decision on their end, because my billing address is outside of the United States and their policies serving non-US based customers has changed. 

Even though they cancelled my card shortly after I paid the fee, they are unwilling to refund my annual fee. I have called multiple times and sent multiple emails. Basically I paid {$490.00} with the expectation I would have my credit card for a year, and they are only providing 2-3 months of service, and are not wiling to giving me my money back! 

This is extremely unfair and that I've been tricked out of {$490.00}. I have had some sympathy from the Citi customer service team but they have NOT refunded me the fee. One representative tried to initiative a refund, and in fact I received an email saying that they tried to initiate it, but was later informed that their back office rejected it and the refund was never paid. There seems to be a clear mandate from their operations team to not issue this refund. 

I would appreciate if you could help resolve the matter.
Complaint sub-issue: Debt is not mine

XXXX XXXX 2014, I initiated disputes XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. XXXX Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights. XXXX5 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 items 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 ) ( 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: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/19 I placed an online order with Macy 's. Order number : XXXX. Items ordered are shown in the PDF attachments. This complaint specifically refers to items : XXXX Black Jeans. I ordered 2 pairs of size 31X32 of this specific brand of jeans, however only received 1 pair. I was subsequently charged for 2 pairs. PDF and receipts are attached.