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. 

Account Name : XXXX XXXXXXXX, Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name : XXXX  XXXX XXXX XXXX, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX and Account Name : N/A and Account Number # 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 XXXX 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 inaccurate.
Complaint sub-issue: Debt is not yours

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX  XXXX  Account Number : XXXX Account Bal : {$93.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX  XXXX  Account Number : XXXX Account Bal : {$370.00} Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BETTER BUSINESS BUREAU CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Complaint sub-issue: Unable to open an account

I opened an online joint checking account with Citibank on XX/XX/XXXX for me and my daughter. Apparently, my full address did not come over with the online application. I sent over a cable utility bill to verify my daughters address with the application and they did not accept. I called back to resolve and never heard back ; however, I received emails to fund the account through the Citi app, which I did. 

On XX/XX/XXXX, I called to ask about debit cards and was told the account was locked and not opened due to a discrepancy between the address on the application and proof of residence documentation. I offered to send over the lease with correct address with both joint owners and Citibank refused offer and will not proceed to open or unlock account. 

In the meantime Citibank sent me emails indicating the account was open and asked me to deposit funds. I transferred {$15000.00} by ACH to the Citi account and it was accepted ( even though the account was technically in review ). Citibank has locked this account, will not open the account, and refuses to return the {$15000.00} in funds by rejecting the deposit and sending it back. 

Citibank has never contacted me between XX/XX/XXXX and XX/XX/XXXX to tell me there was a problem with this account. I called them to ask about debit cards and found out the account was not opened and locked. Citibank offered me no time frame or path to resolve. I was told that 30 business days from application they would start close out process and eventually they would mail me a check for the funds when process was complete ( even though they have been told they do not have the correct address and will not update ). Citibank offered me no alternative. I just want my {$15000.00} sent back by ACH from the account of origination. 

As a side note, I was solicited by Citibank with a promotional offer to open this account as a valued credit card customer. My correct address is on file with the credit cards and Citibank refused to use their own information to validate my address with this account.
Complaint sub-issue: Was not notified of investigation status or results

The information on acct is accurate and not mine I did write bureaus and ask to provide original contract bearing my signature that failed to do so or provide any type of proof other than saying it was verified XXXX XXXX XXXX amount XXXX last reported XXXX this information is inaccurate I have also been a victim of identity theft where my credit is being ran without my knowledge have reported this info to bureaus but have gotten no response
Complaint sub-issue: Information belongs to someone else

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Complaint sub-issue: Account information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : Charge Off XXXX XXXX {$24000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} Collection XXXX XXXX {$620.00} XXXX XXXX-XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX ( Original Creditor : 06 XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}
Complaint sub-issue: Account status incorrect

the account shows missing payments and delinquent. That is not the case. The Account is current and has been current.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Banking errors

This the second complaint about two calls made on XX/XX/2019 around XXXX Pacific Califonia time.. I want to know if transaction we're made without my knowledge or permission. If so I am seeking wire fraud charges and payment for loss of opportunity to gain substantial money due to banking misuse of my money and time. I had sick family members that I possibly could have given help to. This behavior effects lives. This is no joke. What has gone on since I put my money in an Ally account minorities and veterans are people that deserve respect and fair treatment too. I want the actions surrounding my account investigated and want to be compensated for this waste of my time, energy and all other things of waste and abuse concerning monetary opportunity stifled. And, if out right blatten abuse was present I want criminal charged recognized. My like hard work earned residual is no a plaything or lesser recognized joke.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my Equifax, XXXX and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened. 
Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX  dated XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you
Complaint sub-issue: Card was charged for something you did not purchase with the card

On or about XX/XX/2019, I went over my credit card charges and discovered that unauthorized charges were placed on my credit card issued by US Bank. Upon talking with their fraud division which has a division for checking and savings accounts and a separate division for credit cards it was determined that someone tried to open a checking and savings account in my name. I filed all the forms the bank asked for and reported this to the three credit bureaus as the bank instructed me to. The charges were canceled and a new credit card was issued along with a card that I did not authorize which I had the bank cancel. 
Now on or about XX/XX/2019 when I tried to make a payment on the phone, I learned that about {$4100.00} in unauthorized charges was made on my new credit card as a bank transfer from a checking account and charge card which was opened without my authorization or knowledge on about XX/XX/2019. I learned this from the bank 's fraud division. They said they will close the checking account and charge card as well reverse the fraudulent charges. As of today XX/XX/XXXX, the charges are still there, there is no manager to speak to and it astounds me how the bank allowed another fraudulent account to be opened in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. # XXXX, XXXX XXXX Act. # 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: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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Complaint sub-issue: Investigation took more than 30 days

I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.
Complaint sub-issue: Didn't receive advertised or promotional terms

Around XX/XX/XXXX I received an email from my Citi/Sears Mastercard for an offer of no interest for 18 months AND a 5 % statement credit for a single purchase of {$540.00} or more made outside of Sears with  an expiration of XX/XX/XXXX. On XX/XX/XXXX, I made a single purchase of {$700.00} of home heating oil thus fulfilling the offers requirements. When I received the Citi CC bill in late XXXX, they had split the charge into two amounts of {$260.00} and {$430.00}, thus making me ineligible for the offer. My first call to Citi on XX/XX/XXXX resulted in my being advised to call the merchant because " ... Citi doesn't control that ''. A call to the merchant, XXXX XXXX, on XX/XX/XXXX informed me that " We submitted a single charge of {$700.00} but sometimes the bank will split a large charge because sometimes the credit balance on the card isn't high enough '', or something to that effect. A call to Citi on XX/XX/XXXX ended after 10 minutes when the rep. hung up on me because I had difficulty understanding her accent. A subsequent call on XX/XX/XXXX lasted approximately 45 minutes during which " XXXX '' ( male ) tried to remedy the situation by telling me to have the merchant refund the charge and then resubmit it and ask the bank not to split the charge. When I pointed out that the offer had since expired, he agreed that would not work. I finally asked him " It is Citi 's fault that I did not get my 5 % statement credit so are you going to give me that {$35.00} I'm owed or not ''. He said he can't do that and I said then I will have to file a complaint and see what happens. If I may add a personal observation : I have noticed numerous examples in the past decade or so of people no longer having the ability to make decisions even when they agree with the customer. They now are put in the position of trying to convince the computer that makes the decisions that it should do what they want it to do. At some point we humans have lost control and now are secondary to the technology that now so dominates every facet of our everyday life. 
Attached is a copy of the bill ( which has already been paid in full ) showing the split charges.
Complaint sub-issue: Information belongs to someone else

on XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a XXXX XXXX
Complaint sub-issue: Debt is not yours

I've been receiving harassing calls every day for weeks from XXXX XXXX XXXX XXXX XXXX, despite blocking the number. They claim to be collecting a debt from Volkswagen Credit, though I've never had an account or any financial dealings with Volkswagen Credit. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the VW brands had a data breach in XXXX.
Complaint sub-issue: Problem getting your free annual credit report

XXXX AND EQUIFAX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! EQUIFAX XXXX AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE US POSTAL MAIL!! EQUIFAX XXXX AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Complaint sub-issue: Account opened as a result of fraud

My credit score started drastically. So i started to do some research. I found out someone somewhere has a bank account in my name. The bank account number is the same as my social security card number. And the billing address is the same on both of these accounts also. And the account name is my name. I would like to know who has ruined my credit? This is not my account. Who is commiting fraud against me?