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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 1XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Trouble getting a working replacement card

XX/XX/2020,XX/XX/2020 I called at least 3 or 4 times and I was told to call unemployment for a replacement card. I been calling unemployment and even left a message and I haven't receive a call back. My card balance is the amount expected but I don't have the card. I'm having trouble because I have to fax proof of my new address.
Complaint sub-issue: Information belongs to someone else

I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted XXXX  and Equifax which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or XXXX  but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. EQUIFAX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. Equifax has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. Equifax has also not given me a security freeze.
Complaint sub-issue: Debt was paid

First Progress is attempting to collect a debt on my credit file XXXX no longer owed. I never received any notices or collection notices about this debt, any phone calls. Until I checked my credit and noticed debt I called immediately and paid the debt off. I feel like they are in violation of my 30 day right to dispute. Per the FCRA I should have been given a letter to prove my debt and dispute it and I never did.
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 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT
Complaint sub-issue: Account information incorrect

I just received my rein-investigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 

Equifax also sent a letter stating that they have outdated information. 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  XXXX Account number XXXX ( PAID OFF ) ' XXXX XXXX XXXX  Account number XXXX ( PAID OFF ) They did not modify or delete the inaccurate information on my consumer report to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Complaint sub-issue: Debt was result of identity theft

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Reporting company used your report improperly

I am aware that deletion is admission and I need to be compensated. Exhibit XXXX  shows account reporting. Exhibit XXXX  showed account not reporting on consumer.
Complaint sub-issue: Information belongs to someone else

MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for XXXX 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: Information belongs to someone else

Hi I am submitting this XXXX 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 fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 three 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my two daughters.
Complaint sub-issue: Sent card you never applied for

Contacted US Bank on XX/XX/XXXX regarding a letter I received informing me of terms of agreement for a US bank Go Visa signature card - a card I had never applied for. When I finally contacted someone named XXXX from US banks supposed fraud department, they confirmed a credit card application had been submitted in my name. They refused to give me any information regarding the application and repeatedly asked for my personal information, ie SSN, etc. I filed a fraud report. The told me the case # XXXX would be submitted and that I would receive a copy of the card application witching 7-14 days. Subsequently, I did receive a credit card from US bank in the mail on XX/XX/XXXX. On XX/XX/XXXX - I received a notice from US Bank from someone first name only given XXXX indicating the account had been closed, but included was a form requiring me to send a notarized letter including my personal information : SSR, and drivers license # - to US Bank - In order to receive a copy of the application and signature on this false credit card application. This is an example of a credit card company opening an account illegally in my name and interfering with my attempts to protect my identity.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.
Complaint sub-issue: Information belongs to someone else

1.XXXX XXXX XXXX is reporting I have an account with them and I have never had an account with them. 
2. Discover Fin Svcs has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Last weeks i recieved multiple calls about collections that do not belong to me. I also recieved alerts that my information was discovered in over 2 worldwide data breaches. After reveiwing my credit report i discovered many fraudulent accounts listed on my credit reports. I believe i am a victim of identity fraud. I demand that the fraudulent information be removed from my credit report immediately!
Complaint sub-issue: Problem lowering your monthly payments

I borrowed {$27000.00}, have already paid {$18000.00} and still owe {$32000.00}. Much like so many of my peers, I am so overwhelmed with by the weight of my student loans. I have been paying more than the minimum payment, on time for over five years. I get extremely discouraged when I see I still owe {$5000.00} more than what I originally took out. Every three months, the interest rate rises. The interest rate is now up to over 12 %. Interest accrues daily, and my payback amount goes up every month. These rates are despicable and should be illegal.
As a teenager, going into college, the financial aid department and loan companies assure you, once you graduate you will be able to pay off these loans. I was ignorant to believe this. I did not know I would be paying back double what I borrowed. I think the schools and loan companies need to be more transparent and educate students on these terms.
At a time when young people should be planning their lives, many now are faced with inescapable lifelong student debt which sucks away most of their disposable income. Many in our generation wake up every morning and realize that we will never be able to afford a car, a home, health insurance, or even to start a family. The American Dream? Gone.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 

XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, and Regional Acceptance 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2020 Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX : XXXX    XXXX : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I. 

This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me.

II Equifax Consumer Reporting Services ( " Equifax " ), a consumer reporting agency as defined by the FDCPA, has within its  files, records, and databases a consumer report identified with and pertaining to me contacting items of adverse information supplied by unidentified suppliers of information regarding debts presumably owed by me. ( See : Exhibits 1 & 1A ).

III Although the information supplied Equifax provides the dates the accounts were opened and reported to Equifax, they fail to meet the notification criteria set forth by the FDCPA in that they preclude information as to : 1 ) The identity of the original creditor. ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ( 4 ) ) 2 ) The address and other contact information of the original creditor ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher. ( See : 16 C.F. R. 660.4 ( 4 ) ) 4 ) The dates the debts became delinquent. ( See : 16 C.F. R. 660.4 ( 4 ) ) 5 ) The actual validity of and the reasonable attempts undertaken by Equifax and the information furnisher to establish the validity of each debt. ( See : 16 C.F. R. 660.4 ( 4 ) ) IV Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 
5 ) DELETION of the disputed information from my Equifax consumer file. 

V Equifax Consumer Reporting Agency may be served a copy of this Complaint at the following address : Equifax Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding innacurate and unknown things on my credit report and have still not received a response. I believe I am being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 so the accounts should be removed. I request that these accounts be removed immediately as I have been stressed out over this situation and will file for litigation if the items remain on my report.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/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: Their investigation did not fix an error on your report

I am including a letter of explanation as to the many credit irregularties on my file
Complaint sub-issue: Problem during payment process

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX ) - ( XXXX ) - ( XXXX ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account Name XXXX XXXX Account # : XXXX
Complaint sub-issue: Deposits and withdrawals

My account with {$2200.00} was frozen by Citibank. I was told it was frozen for check fraud reasons ( without providiing any further info ) and was mentioned that it will be resolved in 60 days. It's been 90 days now without any resolution and further info, they even are not taking account closure request and return my money. My {$2200.00} has been stuck with Citibank for the last 3 months without access. 

I reached out to them thrice without any resolution, everytime I had to wait more than 30~45minutes.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2019, I was approved by Citi for the Citi / AAdvantage Platinum Select World Elite Mastercard with a credit limit of {$13000.00}. 

The offer at the time was : Earn 60,000 miles after spending {$3000.00} within the first 3 months of account opening. I have a screen shot of this very promo from Citi 's own website.

When I received my card in the mail, a letter said that I would earn 40,000 miles if I spent {$2000.00} within the first 3 months of account opening. 

I called Citi on XX/XX/2019 and informed them of the issue, that I had received the wrong promotion. They sent my concern on to the marketing department. I then received a letter in the mail from Citi saying that I had not been solicited for that offer. 

I called Citi back on XX/XX/2019 stating that I had a screen shot of the offer I applied for. They had me email the screen shot to an email address at Citi that is for XXXX XXXX promotions. 

I hadn't heard anything back for nearly a month, so I sent an email to the given email address yesterday ( XX/XX/2019 ) asking for a response. As I hadn't heard anything today ( XX/XX/2019 ), I called Citi support. 

I was told that they did in fact receive my screen shot, but apparently they would not apply the proper promo to my account for this circular reason : Allegedly, I was not solicited, with a letter in my name, offering me the 60k miles promo. I wasn't, to my recollection, sent an offer for the $ 40k either. Because their own website did not have my name on the offer ( which it logically wouldn't ), the promo did not necessary apply to me **even though I was approved for the card when I applied for the card under the offer**. 
So I wasn't " technically '' offered the 60k promo, but I was allowed to apply for the card under it **and I was approved**. 

This is false promotion and messaging.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax won't remove personal statement. 
Opened up 2 prior complaint already, each time they say they update the information, but as of XX/XX/2020, the personal statement I want removed is still there. 
XXXX XXXX
Complaint sub-issue: Sued you without properly notifying you of lawsuit

The XXXX XXXX XXXX the attorney sue me that I dont what is they been try to call me they file lawsuit. When I go to the courthouse and response to the courthouse they told me that case is already close and dissmed with out presentation to the us. The judge order judgments without party affair to the court I been response to the court myself. But no luck. I think the judges is already bought by the lawyer present the by XXXX XXXX XXXX. The judge dont my situation Im very disappointed of the judge for judgments because I cant afford the lawyer presenting me .and XXXX XXXX at the he is XXXX  XXXX very seriously sick. He couldnt walk or talk. Im been struggling to taken of him. Even been going to the courthouse the judge is already bought of his judgments. On XX/XX/2017. The judge made his judgments with out talk to us. I dont know what is creditors sue us all know I been harassed by this company. They going to sue me or put me the court with discuss to what is, I am really this appointed by the judge for not knowing our situation.. I very stressful my life since my deceased now. No ones to go. I can not afford to hired a lawyer.