Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX - XXXX XXXX : - Displayed extraordinary negligence in developing a database system secure enough to protect the information of their customers, resulting in the release of my personal information to outside parties without my knowledge or approval. 
- Failed to inform me that my information had been released until over a month after the incident had been discovered. 
- Insists on charging me {$10.00} to freeze my credit with them, and expects me to cover the cost of freezing my credit with other major credit reporting companies, despite the fact that they are the direct cause. 
- Attempted to trick me into forfeiture of my rights to pursue legal action in order to receive any compensation for this incident. 
- Negatively impacted the prospects of my personal investments by allowing executives at their company to participate in insider trading - selling thousands of shares of Equifax only three days after the internal discovery of the security breach, but over a month before the information went public.
Complaint sub-issue: Account information incorrect

XXXX XXXX account appeared in XXXX on my credit report causing my score to drop. This debt is not owed and is not mine and needs to be removed.
Complaint sub-issue: Frequent or repeated calls

co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX this company ran my credit without my permission. Which then added a inquiry onto my credit.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Banking errors

I receive citi bank promotion on XX/XX/2021, they said if I opening a interest check account before XX/XX/2021 and deposit {$50000.00} within 30 days after opening the account, and maintain 60 days, I can receive {$700.00} bonus. 

So I opening a interest checking account on XXXX and deposit over {$50000.00} on XX/XX/2021, maintain the amount until today XXXX, 2021, they do not give me the {$700.00} bonus. 

On XX/XX/XXXX, XXXX chat with one of citi agent and ask when I can get the bonus, he checked and said I should get the {$700.00} no late than XX/XX/2021. 

So I wait until today there is no bonus deposit to my account, I chat with another agent today, she checked and told me I should call citi one stop sales unit phone number XXXX. 

After I call them, one lady she checked and told me I am not qualified for the {$700.00} bonus because I didn't make fund deposit with 30 days. 
The fact is I did what they required, and other agent already told me to wait until XX/XX/2021 to receive the bonus, now she just simply told me I am not qualified.
Complaint sub-issue: Report improperly shared by CRC

I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information was used without my permission
Complaint sub-issue: Report provided to employer without your written authorization

Equifax keeps disputing my XXXX account for no reason at all. 
They are intentionally disputing this account without my permission. 
I want Equifax to STOP disputing my XXXX card account and notify XXXX of the error they are making. This is the third time Equifax has disputed my account for NO REASON AT ALL.
Complaint sub-issue: Reporting company used your report improperly

all typed in previous report see complaint XXXX Equifax has vilolated the FCRA in reference to my credit profile.

in violation of FCRA 15 USC 1681 section 602 A 15USC section 604A section 2states that a consumer reporting agancy can not furnish an account without permission of the consumer, other vilations the company failed to provide any documentation regarding any of the disputes they had multiple data breeches, offered free reporting, and possible monetary compansation, never recieved companies listed wrong dates, incorrct balances no dates of last activity, all erronous information. Public Recoirds, Hospital bill which is a HIPPA violation XXXX date open XXXX XXXX XXXX XXXX ( 5 ) or more outdated all inaccurate information bankruptcy XXXX bankrutptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXXXXXX XXXX  XXXX I also contacted the United State Courts in which Equifax and other companies stated this information was provided, The United States courts do not send, mail or deliever any information on consumers to any credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in 2017 Equifax Data Breach, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX, FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 item from the file if no documentary evidence is found in accordance with FCRA, 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 reseller.
Complaint sub-issue: Their investigation did not fix an error on your report

Received letter from Debt collector that the they requested the item be deleted from my credit report. Equifax removed and then re added the item on my report. Without sending a notice within 5 days which is a violation of the FCRA.
Complaint sub-issue: Problem with product or service terms changing

Several billing errors in the Truth-in-Lending disclosures section of the " XXXX XXXX XXXX and XXXX XXXX '. The Number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule, 16 CFR 433,1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : " A cash advance which is received in return for a " finance charge '' within the meaning of the truth in lending act and regulation 2, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under regulation Z also known as truth-in lending the itemization of payments should mirror the finance charge amount as it is " the dollar amount the credit will cost me. '' The next billing error is the " down payment on the itemization of amount financed. The XXXX cash payment placed as Down Payment Is in violation ot 7 CFR 1436,10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalt. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer, I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principals ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. 

I was also told that the lender approved me but they refused to work or give an appropriate lender based on my approval. They denied my bank statements by any FDIC banking institution XXXX. They refused to give me a car based on and age and XXXX. 
They tried to hide the contract requesting the down payment.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2019 after many years as a loyal customer I paid off the remaining balance on my home depot credit store credit card my line of credit was $ XXXX.to my dismay they days later reduced my line of credit to {$500.00}. Dramatically affected my fico score and damage my good name without any form of explaining to me why only after I called they e mail me a letter, along with another creditor I file a former complaints against home depot started a chain of negative information against me although I never paid late never used the line of credit over 20 % off their credit line given to me I truly feel discriminate and clearly while they decrease my line of credit another creditor raised it how can they explained that.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX  XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My name is XXXX XXXX XXXX please delete any other variation of my name.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

AES/PHEAA has recently changed the due date of one or more loans on the account without my express permission and failed to alert me of the change. I was given little time to prepare for the specific amount due to the change in due dates. In addition, I do not agree with the change in due dates. AES will be forced to change the due date back once I file a complaint with the courts. I do not trust AES/PHEAA and wish for all correspondence to go through my attorney going forward. The representatives who respond, are cold and inhumane, treat me with disrespect, and do not care about cyber security. AES/PHEAA breached any contractual obligations by violating the consumer rights I have. Employees also tend to eat while speaking over the phone, and are not friendly or respectful. 

I'm offended by this lack of integrity.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX my account with cash app was charged a dollar by a company called XXXX then the canceled it then on XX/XX/XXXX XXXX made XXXX fraudulent charges to my account total approximately XXXX, XXXX charges of XXXX two charges of XXXX two charges of XXXX one charge of XXXX and one charge of XXXX starting with first charge at XXXX and the XXXX charge ending at XXXXXXXX. When I started this dispute with these charges the website would not email the appropriate steps/forms to take cause they never got to me that was told would help me start the process, never arrived. The phone number they gave me from a automated online chat would go to a voice message that they were inundated with calls and to use the online chat to get to a agent virtually and then hangs up on you. I was finally able to get the needed item sent to me using a different email. So they put these disputes in review. They were supposed to touch base with me and I never received a call or email telling me what's up till I kept trying to contact them through the chat portal and finally got thru and they told me my items were in review. I don't know exactly when the gave me the refund since on the platform it doesn't give me this and one of the XXXX charges is still not refunded to me do to it still being in review. Ever since that day I have sites trying to hit my account for money. They then proceed to deactivate my card due to high dispute rate and say they can't give me any further information?!! I was just disputing fraudulent charges from a dishonest site and the lock my card?! I've never gone over my funds or had any other problems till that day. I've continued to try contacting them but all they say is that the card is deactivated and can not be changed at this time. I've tried calling multiple times to be hung up on. And it seems they care more about the vendor than the consumer. And when your on the chat portal it's always an initial automated response say they had to forward to a customer support agent and it may take several hours. Then once they respond the answer are very vague and give you no other help. I'm just trying to get all my money back as I am XXXX  and on XXXX.
Complaint sub-issue: Trouble with how payments are handled

My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Customer service would not help take care of the negative inquiries reporting to my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

Unemployment with the State of Ohio was filed on XX/XX/2021. 
I opted-in for the affiliated bank to XXXX to send debit card. 
I was told on a few occasions that the card would be send. 
I received a letter in the mail on XX/XX/2021, dated XX/XX/2021, that my request would be processed XXXX almost 2 months ). The letter have erroneous information, basic information of my address. At this point, my livelihood is threatened. I communicate with the State of Ohio, and in these historic times, their stance is I must deal directly with the bank. There are funds in the account, with others to be forwarded to the account. With the neglect and sheer incompetency of this bank, their actions are causing much harm to my very delicate financial stability. I am sure ... I am not alone is this process of banks and government creating winners and losers, at an American citizen 's expense.
Complaint sub-issue: Attempted to collect wrong amount

The account was closed and the equipment was returned via USPS to the equipment return center. We have continually contacted XXXX XXXX XXXX XXXX XXXX to let them the equipment was returned. This charge isn't authorized or accurate.