Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXXXXXX : {$2600.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$1700.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX has placed me into a tough situation leaving the possibility of my person information hacked.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX XXXXX Original creditor : XXXX XXXX XXXX XXXXX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have contacted Equifax, XXXX, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020
Complaint sub-issue: Reporting company used your report improperly

I 've been made aware that my private and personal information were compromised in the announced Equifax security breach. Reports suggest that Social Security numbers, addresses, and more were taken.

Clearly this is hugely unacceptable and I can only hope that the government is working to punish this group for their mistakes!
Complaint sub-issue: Company closed your account

Citi retaliated against me for submitting a large dispute by closing my account which is in violation of the consumer credit protection act avg the equal opportunity credit act which prohibits banks from discriminating against anyone who exercises in good faith any of the protections protected by the consumer credit protection act which includes billing disputes
Complaint sub-issue: Problem making or receiving payments

My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit.
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint on my own. There is no third party involved. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. This item in my credit file is from unauthorized use of my social security number and card. I did not authorize the account to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I'm asking Equifax, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and affecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Between XX/XX/21 and XX/XX/21 there were a number of fraudulent charges made on the credit card I had at that time, totaling {$5100.00}. I called and reported this to the credit card company, BBVA Visa. They cancelled the card and issued me a new card, sending it to me via US Mail. Before I received the new card in the mail, I noticed on my account for the new card ( via online banking ) that all the fraudulent charges had been transferred to the new card, but the amounts had changed somewhat. On the new card, which I have never activated, the fraudulent charges total {$2800.00}. Again, I called and disputed the charges and advised them that the amounts of the charges had changed from the original card. On XX/XX/21 I received a letter from BBVA Card Fraud Operations Group that the investigation was closed and the " corresponding credit applied to my credit card account in the amount of {$590.00} is considered final ''. They are charging me interest on the fraudulent charges. I will continue to fight this with BBVA, but have been advised I needed to report the issue to FTC, which redirected me to CFBP. Any help you can provide will be greatly appreciated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX   ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX ) 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )
Complaint sub-issue: Debt is not mine

I received a notice from Palisades Collection , L.L.C. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, XXXX was the original creditor. I have lived at my current address since XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged for services that were shoddy workmanship and an unfinished job. Although I have pictures, text messages and a letter from my attorney XXXX XXXX XXXX XXXX card that I opened explicitly for this purchase refuses to stand behind me as a card holder and keeps denying my disputed amount of $XXXX.  After researching I have found countless other complaints that Citi will never side with the consumer and always denies claims. I will never own another Citi credit card and I urge other's not to as well. I have attached the letter from my attorney here.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We purchased kitchen appliance from Best Buy in XXXX they could not deliver when needed so we cancelled all items. they keep telling us there is a balance of {$360.00} when we ask them to explain the balance they can not give us any details. I added up all receipts and credits they equal {$10.00} which was a donation to XXXX XXXX. When I finally figured this out myself we paid the XXXX dollars. I have written the credit card company the CEO at Best Buy the Local Store and disputed through XXXX. XXXX  completed their investigation and said Best Buy saids they are correct end of dispute
Complaint sub-issue: Reporting company used your report improperly

im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.
Complaint sub-issue: Reporting company used your report improperly

I am natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 UCS 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed becuase According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX
Complaint sub-issue: Account status

This item was originally disputed with XXXX XXXX mortgage company, who has completed their investigation and confirmed that they have NOT reported my being delinquent to Equifax Credit Bureau. I spoke with XXXX XXXX XXXX at XXXX department, XXXX x XXXX and he stated that they have NOT reported any delinquency to Equifax for XX/XX/2013. I am attaching a copy of the results of the investigation with XXXX XXXX, and XXXX XXXX said that Equifax in improperly reporting inaccurate delinquencies. I have circled the XXXX items that need to be removed from my credit file by Equifax.
Complaint sub-issue: Problem with personal statement of dispute

SARMA NCS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company has placed a hard inquiry on my credit report. I do not know who this company is and have never applied for credit with them. 

DISPUTE : Per the instructions of the credit bureau, I filed a disputer DISPUTE RESPONSE : I have been informed by all 3 credit bureaus that the item reported on my credit report was reported to them by Sarma and that I must contact Sarma for removal. 

SARMA RESPONSE I contacted Sarma, who has told me that they are not a credit bureau and that I need to dispute this with the credit bureaus. I wrote Sarma a second letter attaching a copy of what I was told from the credit bureaus. Sarma responded to me stating that I must contact the credit bureaus for removal. 

FAILURE TO PROVIDE INFORMATION : I have requested from Sarma information regarding the application they are saying I submitted for credit. They have refused to comply and direct me back to the credit bureaus.
Complaint sub-issue: Account information incorrect

CITI XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Complaint sub-issue: Investigation took more than 30 days

Equifax has violated me as a consumer under the Fair Credit Reporting Act 15 USC 1681a ( 3 ) by ASSUMING A VITAL ROLE by reporting and evaluating my consumer credit and information without my consent. while doing this Equifax has violated my rights under 15 USC 1681a ( 4 ) by failing to exercise their GRAVE RESPONSIBILITY with fairness, impartiality and a respect for my right to privacy. 

Equifax has been unfair in the information they are reporting on my consumer file # XXXX due to the fact that the information was reported without being VERIFIED as accurate by I, the consumer. Equifax has also failed to be impartial due to the fact that employees, supervisors and agents claim to only CORRECT OR UPDATE inaccurate and unverifiable information ONLY if the " BANKING INSTITUTION '' informs them to. This is partial behavior which harms me the consumer because my side of the story is being ignored and disregarded as if I am not the actual party who suffers from what is being reported, shared, sold and distributed about me. 

I have informed Equifax on multiple occasions in the last twelve ( 12 ) months about the fact that the information was inaccurate, unverifiable and a violation of my right to privacy only to receive frivolous and automated responses from their e-oscar system claiming that the information was VERIFIED which was in fact not. After several attempts to resolve these matters I began to ask what was the METHOD OF VERIFICATION in which I have never received a response with the information providing me the opportunity to contact the party who they claim to be verifying the information. Equifax is now Violating my right to a Reasonable Procedure 15 USC 1681b. They have not been equitable to me, they have failed to provide Accuracy, breached my confidentiality and have misused my personal information for their ill gotten gains and profits. 

Today XX/XX/2022 I was on the phone on XXXX separate occasions for over six ( 6 ) hours in total attempting to resolve this matter amicably only to get disrespected, disregarded and discriminated against by employees at Equifax. I was being transferred around carelessly and each phone call ended with the employee hanging the phone up on me because I was simply exercising my rights. 

Equifax has been behaving in a lawless conduct that has injured me and caused me pain, mental anguish and suffering. I am heartbroken at the fact that this company has been so careless and reckless to the point where I have lost faith in the banking system and am considering filing for litigation and seeking monetary relief. 

Below are the past XXXX ( XXXX ) letters sent to Equifax via XXXX mail with green return slip and Notarized by a NOTARY please review the attached documents as this is EVIDENCE OF MY CLAIM. 

XXXX. Sent XX/XX/2022 : NOTICE OF INACCURATE INFORMATION USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX. Sent XX/XX/2022 : NOTICE OF METHOD OF VERIFICATION USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 : NOTICE OF REFUSAL TO REINVESTIGATE USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, XXXX, equifax XXXX XXXX XXXX, XXXX, equifax XXXX XXXX BANK XXXX EQUIFAX XXXXXXXX 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: Was not notified of investigation status or results

On XX/XX/2021 i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown thing on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate this item within XXXX  days gives a reason to immediately remove this item from my credit report. It has been over XXXX  days so this should be deleted promptly. I demand this account be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Problem accessing account

Ally Bank is an online bank with no brick and mortar locations. The only way to get live customer service is their phone line. Seniors are hanging up and the most basic banking needs are not being fulfilled. Online banks need to be held to a higher level of access. Ally bank is failing their customers, please intervene. 
Wait to speak to an agent at Ally Bank : XX/XX/XXXX 1 hour 05 min XX/XX/XXXX 1 hour 34 min XX/XX/XXXX 1 hour 29 min XX/XX/XXXX 45 min XX/XX/XXXX 1 hour 23 min XX/XX/XXXX 49 minutes
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I had pulled a copy of my credit report and noticed there was incorrect information on my report there are two hard inquiries that I never gave permission to run my credit I contacted the company and asked them to remove them if they did not have permissible purpose they stated that they had no information on file giving them permission to run it a third-party ran my credit using their system they told me I had to go through the credit bureaus to get it removed the credit bureaus told me I have to go through the company that appears on my credit report when I contacted them they continue to tell me they can not do anything about it
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Almost every day they call around XXXX. They use my wifes number to contact me and I have no idea how they got it. I have repeatedly told them to stop calling me but it doesnt help.
Complaint sub-issue: Account status incorrect

Sent a affidavit of truth XX/XX/XXXX cease and desist 30 days pass never any communication with this bank account over {$62.00} that was fraudulent Identification on XXXX XXXX. Police reported XX/XX/XXXX XXXX XXXX is not responsible for such debt. Stated statue of limitations was violated per 15 USC 1692 ( a ) ( e ). according to 15 USC 1592,18 USC 8. Unfair Debt Practices phone was hung up twice once teller began to get upset with this matter asked to be transfer was given very unfair treatment. My contact information is accurate and in compliance as of this statement.