Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX  XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.
Complaint sub-issue: Transaction was not authorized

Starting XX/XX/2022, 3 fraudulent charges occurred on my Ally Bank debit card. The first was charged, the second and third were declined by Ally bank. My debit card was in my possession the entire time, and no other person than me had access to it. I did not authorize any of these transactions. My password, PIN, and associated email address and phone number are all secure to my knowledge. 

Fraudulent Charges XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The second and third charge were declined, and I was sent a text message from what claimed to be an Ally bank source alerting me of potentially fraudulent activity and to decline or allow it. I declined and Ally initiated a phone call with their 'fraud services. ' They never answered the phone, and hung up after a period of holding. Calling the line back several times, I had the same result each time. After researching online, this fraud is widespread to anyone with a debit card at Ally bank, and wait times for the phone lines are extremely long with no resolutions in sight anyways. I have locked my card, disputed the first transaction which was charged, and will wait for a proper response from the company. The bank so far has not responded to my dispute with the first charge, and has not made any official statement about this widespread fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$45000.00} XX/XX/XXXX SXXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 XXXX account XXXX XXXX XXXXXXXX and, XXXX XXXX XXXX has XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX credit inquiries 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: Was not notified of investigation status or results

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of the wrong persons.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is inaccurately reporting that I owe a collections debts of {$720.00}. Equifax is also inaccurately reporting that I owe the {$720.00} collections debt to XXXX XXXX. This account does not belong to me.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ms. XXXX Mail Equifax XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent four ( 4 ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 
These accounts are XXXX XXXX Acct # XXXX, XXXX-XXXX Acct # XXXX, DOCUMENTS ATTACHED!! I 've had contact with these companies and you are in direct violation, as pertains to the XXXX account you 'll see the conversation with them ... .. I DO NOT HAVE A XXXX ACCOUNT! 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, Ms. for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
I anticipate your response. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX DOB-XX/XX/XXXX Report # XXXX
Complaint sub-issue: Other problem

Citibank XXXX XXXX XXXX- has a huge credit on the account and I requested to either have the huge credit ( due to XXXX refund when insurance actually covered the cost ) moved to a different Citi card or returned to me. 2 weeks later and Ive been lied and it feels like they keep moving the goal post, this is unacceptable for a large company to do or any company for that matter. Details below : XX/XX/2022- XXXX returned an overpayment as my insurance ended up covering the full huge amount ( {$8900.00} ). The refund went to my form of payment which was Citi XXXX XXXX XX/XX/2022 - I contacted Citi to see if the refund/overpayment could be used on my other Citi XXXX XXXX they said no, I then requested the refund to my original form of payment to Citi when XXXX paid off the credit card charge. They said absolutely and that it would be resolved in 3-5 business days and that the balance of credit remaining of {$8600.00} would be returned to my checking account I originally paid the credit card off with. 
XX/XX/2022 - XXXX contacted Citi as I had not received my funds to my bank account and I need to use it to pay off the other credit card and they said on this will be resolved in 1-2 business days and that it was approved and sorry for the delay. 
XX/XX/2022 - I contact Citi as it had not been resolved yet and I was told the issue was it had not been approved. yet ( which the person Monday told me it had been approved ) and that I would have the funds that day, I asked the Citi employee again youre telling me Ill have my funds back today Thursday XX/XX/XXXX before I go to bed I can log into my account and ill see the funds in my checking account. He said yes thats correct. I asked again as thats weird for a bank to do anything same day and even said that sounds really weird and again he said thats correct today. 
XX/XX/2022 - XXXX contacted Citi they said it wasn't approved until yesterday and would be 3-5 business days, I requested a supervisor and asked to escalate and they said sir you will have your funds back in 3-5 business days so the first 3 people totally lied to me, why did 3 employees lie to me and frankly I have zero faith in them that this individual today wasn't lying. I asked the supervisor to enter a complaint for the issue and I also asked to speak to her supervisor she repeated that the funds would be coming back and I asked how is what she telling me any different than the prior 3 liars how and I to trust her, she said this is a recorded line so I can trust her, I then asked are you telling me the first 3 employees from Citi I spoke to and that lied to me werent recorded? Then she hung up on me. Horrific customer service, business practices, horrid levels of honesty at Citibank. 
This is unacceptable that a huge company just lies and messes with consumers!
Complaint sub-issue: Information is not mine

I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.
Complaint sub-issue: Account information incorrect

I pulled a copy of my XXXX credit report on XX/XX/XXXX due to suspicions that Citi cards did not properly credit or resolve a fraudulent transaction. 

My wife and I purposely did not place transactions on this account this fall & winter due to the inconvenience of multiple account number changes due to fraudulent activity. When we learned of another fraudulent charge representing the entirety of the balance ( {$11.00} ) I  contacted them ( XX/XX/XXXX XXXX ) requesting resolution and will not be submitting payment for that billing period. There online chat gave me the following response : Yes b erest assured we have notated your account for this ( XXXX at XXXX, XX/XX/XXXX ) as Your account comes with {$0.00} account liability. And you will not be liable to pay any unauthorized charges. 


This was not resolved, as I discovered in a statement received XX/XX/XXXX. ( Your payment of {$11.00} is 6 days past due. Please Make a payment now ) I called Citi 's customer service three times that day ( Called XXXX and she abandoned call ; Called 2nd time and it went to busy after the menu ; Called 3rd time reached XXXX and she will take care of disputed charge and finance charge ( estimates 3 days ) However, this amount is still being reported on our XXXX credit report. 

I'm appreciative of any assistance you can provide. Thanks in advance!
Complaint sub-issue: Information is not mine

Equifax is reporting wrong information in my file and they keep telling me that it has been verified which if the accounts have actually been verified then i am requesting the full proof of the evidence that they have telling me that these accounts are mine if Equifax cant provide the proof by law they have to get rid of these accounts
Complaint sub-issue: Problem with fees

I will refer to XXXX/CitiBank as a single entity as both parties are responsible and neither has taken any action to correct the issue. In XX/XX/2018 I was charged a {$2.00} fee on an Instore XXXX   credit card by CitiBank. I had not used the card in some time and was unaware of the existence of any fee. Without making a single purchase the fees kept compounding and eventually reached a balance of {$220.00} dollars. The entire amount was based upon late fees that originated from a {$2.00} dollar fee issued by XXXX. XXXX made no attempt to contact me and alert me of the fee. My XXXX card was closed and I received a negative credit report that subsequently decreased my credit score. 

As soon as I became aware of the beforementioned excessive balance I paid it off despite the fact that the fees were not valid. I paid it off in attempt to limit the damage done to my credit. I attempted to get assistance in correcting the fees from both XXXX and CitiBank but neither provided a resolution. After doing some research it appears this is a common issue with customer of XXXX/CiitBank. I saw numerous similar reports on the Consumer Financial Protection Bureau website.
Complaint sub-issue: Account status incorrect

this company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Other problem getting your report or credit score

I recently was denied credit for a XXXX credit card I was told reason for denial was there is 2 accounts that are either paid or unpaid reporting as negative. I was advised to contact XXXX  because I told them that information is incorrect and Ive been trying to resolve this issue with XXXX. Ive written them several times with no response except they will not re-investigate these accounts for me unless I have additional proof. I also tried several times to reach a live human to speak to but thats impossible. I am upset at the fact that XXXX  will not delete or remove these 2 accounts that are reporting negative. It is affecting my credit score and creditworthiness.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

On XXXX XXXX I submitted a certified letter to the company Pro Collect INC demanding to be shown verification that this debt is valid or I asked them to delete the debt. I did not hear back from them in the 30 days required by law.
Complaint sub-issue: Information belongs to someone else

in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The XXXX XXXX still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from equifax that still after months showed the fraud account and it should have been removed last year Both XXXX XXXX and equifax have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?
Complaint sub-issue: Personal information incorrect

mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Deposits and withdrawals

Last year Citi changed to a new system to handle external account transfers from their savings accounts to their customers local bank. My local bank, which was previously listed as an external account, was not able to be added. As such I am unable to transfer funds to my local bank with this system. I was told that this is a known problem that was occurring with some accounts. I have worked with their tech support for months trying to correct this but they have not been able to fix the problem. I can do a wire transfer but there are fees to do this. I am supposed to be able to transfer up to {$20000.00} monthly with no fees. Today, after working with their tech support and making no progress, I requested that they close my account, transfer the funds to my local bank checking account and cover any related fees. I was transferred to another individual who never picked up the call.
Complaint sub-issue: Information belongs to someone else

I have disputed multiple times and Equifax has yet to remove the fraudulent credit inquiries from my credit report. Please see below for the fraudulent credit inquiries. 

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 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Public record

I am addressing a Public Record Information on my credit profiles that I feel is inaccurate in its filing. I did not follow through with completion of any action with the Federal Court. It is my understanding that " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. As an American consumer I have the right to know WHO and HOW someone is verifying information that is holding my identity and credit under " HOSTAGE '' for 10 years. As a Federal Government entity, the Bankruptcy Court has confirmed that they did not verify or report to any agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Information belongs to someone else

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX   {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} Discover {$2200.00} XXXX 's {$300.00}
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Trouble with how payments are being handled

My student loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not  acting ethically in the way my extra loan payments are allocated. They have mandated that my payment is due on the last day of my " billing period '' each month. As a result, there is only one day, out of each and every month, that I can make an extra payment and have it applied directly to the loan token/loan number, of my choosing. 

As an example, my payment is due on the XXXX of the month, which they have determined to be the last day of my billing period. If I schedule an extra payment any time after that, they tell me I have not yet met my payment for the " new billing cycle. '' They take that extra payment and break it up across all my loans ( which is allowing them to take my monthly payment 29 days in advance and still making sure they are controlling where my money goes. ) As a result, any time before or after my payment is due ( XXXX of the month ) they control where it is applied. 

They have refused to change my billing payment period or my payment due date.I can not be the only student frustrated with this process. Student loan debt is out of control due to heavy handed tactics such as this. I have spoken to Great Lakes representatives numerous times and they always insist that this is their policy with EFT ( Electronic Funds Transfer. ) I do not want to change out of EFT because of the additional incentive they provide, that is a reduced/discounted interest rate for those signed up for EFT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries and a inaccurate address on my credit report. I have sent two dispute letters and waited over 45 days but they have ignored my letters and I have received no response.