Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have 34 accounts that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Equifax assumed this role and my direct written instruction/permission was never given. Equifax is in violation of my Right to Privacy according to 15 USC 1681 4. Equifax did not exercise its grave responsibility, was unfair and was partial. Furthermore, Equifax did not have a permissible purpose under 1681 b 2. I never instructed Equifax to furnish this report and i never consented to this report in the first place. I am demanding that all of these accounts be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted
Complaint sub-issue: Information belongs to someone else

Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Complaint sub-issue: Problem accessing account

I'm trying to link my bank account to a third party investment app ( XXXX  XXXX and keep getting an error message that " PNC has recently made changes that prevent me from linking my accounts ''.
Complaint sub-issue: Debt is not yours

On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. 

I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. 

Also, there is no account number listed.
Complaint sub-issue: Add-on products and services

I have had a citibank credit card since XXXX. At some point they fraudently enrolled me into a program called Payment Safeguard. I am not sure when it happened but from at least XX/XX/XXXX to Current, I was charged {$570.00} dollars. The website does not allow me to see anything prior unless I order statements. Payment Safeguard sent a claim to Citi to refund me but Citi won't talk to me. I emailed on XXXX, I sent a letter on XX/XX/XXXX, and a fax on XX/XX/XXXX. I have called several times and they just keep transferring me to different people. I am sure in total exceed the {$570.00} but all I was asking was to be refunded. I went ahead and paid the card off because they were going to charge me late fees. I never signed up for or asked for this program. I didn't know they were allowed to.
Complaint sub-issue: Billing dispute for services

According to 15 USC I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 

FCRA Section 623 Debt Disputed, XXXX XXXX has failed to report it as disputed. 

FDCPA Section 805 ( b ) XXXX XXXX has contacted 3rd parties in XX/XX/2021, disclosing loan information to XXXX individuals, thus XXXX violations. 

FDCPA XXXX XXXX AND XXXX U.S.C. XXXX ( XXXX ) - Harassment or abuse. XXXX XXXX, Account Control XXXX for XXXX XXXX XXXX XXXX called my family member toxic, rude, a bad human being, condescending, a negative person and then told her to think about herself, wait 30 minutes and call back with a retraction and apology.He told her he had been in this business for 40 out of his 60+ years and that she was one of many liars who he had talked to over the course of his career. This occurred on XX/XX/2021. 

XXXX XXXX  has taken adverse actions toward me pursuant to CFR 1026.13. CFR 1026.13 and now forfeits it's right to collect the disputed amount as described in 15 U.S. Code 1666 ( e ). pursuant to CFR 1026.13. CFR 1026.13.

15 U.S. Code 1681b ( a ) ( 2 ). A consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. By definition XXXX XXXX has committed identity theft.
Complaint sub-issue: Problem with fees

XX/XX/2020 - Citibank billed my account a XXXX Annual Fee. 

XX/XX/2020 - Called Citibank to cancel card, if cancelled on this date would have received full refund of annual fee. When I called, I was told by Citi representative that if I did not cancel I would receive a one time  XXXX USD credit to my account on the XXXX or XXXX billing statement. 

XX/XX/XXXX XXXX Called Citibank to inquire about not receiving credit. This agent told me that previous agent was wrong, that I would not get the credit until the following year. I then asked to close the account and get full refund of annual fee. He said no. I then asked to close the account and prorate the annual fee. He said no. I then said I would like to dispute the annual fee to get a Supervisor to review case. He said no. I then asked for contact to escalate the problem. He was not helpful. He would not transfer me to a Supervisor to get additional information. 

XX/XX/XXXX XXXX Researched Citi contacts. Filed dispute via email with Citibank office of XXXX XXXX, Citi Global customer solutions office. No response as of XXXX XX/XX/2020. 

XX/XX/XXXX XXXX Filled out an online customer satisfaction survey that was emailed to me by Citibank . 

XX/XX/XXXX XXXX Received a generic email from Citibank I assume as a result of the survey sent out on XX/XX/XXXX. As of XXXX no response. 

I would like my account credited XXXX USD ( half of the annual fee ) as I was promised by the first Citibank Rep to keep my account open. 

Thank you XXXX XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX our mortgage account with Loan Care was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Complaint sub-issue: Problem during payment process

I have been trying to settle a debt that is shown as a " charge-off '' on my XXXX Credit report with Citibank ( Best buy ). I have attempted to settle the debt numerous times now ( at least XXXX ), always speaking to a different representative but as we get further into the conversation before the actual settlement agreement is stated, I assume the call disconnects or the operators stop responding. 

Phone number called : XXXX
Complaint sub-issue: Trouble with how payments are handled

I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. 
Well they now transferred my loan to XXXX, and now I lost all of that. 
I now owe a payment each month I was not anticipating paying.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}
Complaint sub-issue: Problem with personal statement of dispute

CFPB Write up n 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX 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: Information belongs to someone else

XXXX INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH XXXX  XXXX  XXXX  TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXXSUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} SUNBIT, INC XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 0 Remarks -- Creditor Name SUNBIT, INC Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} XXXX/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information XXXX XXXX Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last XXXX  years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/SUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct ? 
If not, you can report an inaccuracy.
Complaint sub-issue: Information belongs to someone else

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX  Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX which are XXXX for XXXX $ and XXXX which is for XXXX $
Complaint sub-issue: Investigation took more than 30 days

Sent 2 letters asking all credit bureaus to verify collection accounts on my credit report. Is been over 85 days. Sent certified letter to them asking to verify a medical collection that I dont think is mine and a XXXX   collection that is definitely reporting the wrong info.
Complaint sub-issue: Reporting company used your report improperly

Equifax released my private information publicly by not adopting decent security measures in its systems. A failure on a unrelated system caused attackers to be able to access my full name, date of birth, social security number, and address. Not only mine but also from other 143,000,000.00 people. 

As if being completely irresponsible with their systems security was n't enough they have n't notified me directly, I had to learn about the data breach by reading the news. They definitely know that I 'm affected since www.equifaxsecurity2017.com shows that I was affected. 

Now my financial life is at risk for the foreseeable future. These companies should n't have access to that much personal information of any American, they are utterly irresponsible.
Complaint sub-issue: Reporting company used your report improperly

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: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax is charging consumers XXXX $ for 30 days of credit monitoring. The issue at hand is that the website area that allows you to dispute and check on the status is not working correctly, so we are all being charged for a service that is simply not being provided. I have called 4 times trying to resolve the issue and nothing is being done about it. Second issue is they are not updating the credit reports accurately even after all disputes have been resolved. They are taking advantage of the American people and something needs to be done about it. Thank You
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I stopped using My " Direct Express '' prepaid card in about XXXX of XXXX but the card still had a balance of over {$1600.00}. After using the card in XXXX of XXXX I noticed a serious discrepancy in the balance.After some checking I realizing about the fraudulent charges and called Direct Express customer service and fraud departments immediately informed them of the fraudulent charges, reported to miss use online, canceled the card, had a new one issued, requested the necessary paperwork to file the report be mailed, and filed a police report. Also ... In my first conversation with the agent at Direct Express ' fraud department I was informed that the fraudulent amount charge look to Total around {$1300.00} to her and if I filed the paperwork that would be mailed to me and return it within 10 days I would be giving a temporary credit for the amount claimed was stolen while the decision was being made. Direct Express did not mail the paperwork needed from their office for 7 days and I did not receive it until 11 days after the initial report had been made canceling any chance I had a receiving a temporary credit. I've read online that this is a common practice with this company.Once I received an itemized statement from XXXX to XXXX I realized that there were hundreds of these online charges ranging from one cent to around {$40.00} totally around {$1500.00}. I filed a complete report itemizing every charge including the police report number filed and the officer that filed it and waited for a response. After about a month I received a letter saying my claim was being denied and that they believed all charges were made in good standing by me. I called Direct Express ' fraud department, informed them that this was incorrect and was told that they never requested a copy of the filed police report saying it was not necessary and the decision was final, there was no appeal process, and there's nothing that I could do about it. I have copies of the entire claim report I filed with Direct Express fraud department as well as copies of the police reports I filed at my local police department about the fraud if needed.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XX/XX/2018 Equifax, XXXX, and XXXX  RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by reporting wrong or inaccurate information onto my credit reports