Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I have had my credit report damaged due to XXXX XXXX XXXX   mismanagement of this account that includes incorrect charges. Every time I call to deal with this problem, I am transferred around several times and then hung up on every time. I was then given a number that appears to be a SCAM number according to reports on the internet. I gave them my personal information and then hung up on. 

I believe this was a phishing number but I received this number from a XXXX XXXX representative. I would like to report this for further investigation. The number was XXXX. Please investigate!!! I am very concerned about the compromise of my personal information. 

Also, please reverse the late payment showing on my credit report because I did not ignore my account. I explained the information and gave my requests to the XXXX XXXX CSRs and they took my payments but my requests for a forbearance/deferment were repeatedly ignored. My requests to delete this debt from credit report were likewise ignored and no investigation was done. 

I would like any damage to my credit report to be corrected and an investigation into where my personal information went to as a result of XXXX XXXX. I also request all information regarding this alleged charge. 

Thank you.
Complaint sub-issue: Investigation took more than 30 days

XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX  {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, a debit card was declined during a transaction. I checked the bank app and saw a list of unauthorized withdrawls from an unknown person citing it as a XXXX account. After speaking with XXXX, these were not transactions through their system, this was someone posing as a XXXX transaction. 

I called my bank and opened a dispute immediately. A total of {$2900.00} was withdrawn from my account and my balance was overdraft by XXXX dollars. 

I was told a new debit card would be provided. As of this writing I have not received it yet, likely due to Monday 's bank holiday. 

On XX/XX/XXXX, I received a call on my cell phone from someone pretending to be with my bank 's fraud division and started to openly speak with him as I thought he was calling about the recent incident. He was telling me about new transactions against my account and confirming if I made them while I looked online and saw no issues with the account. I got suspicious and asked for information. He told me he could walk me through getting a refund if I went on my app. At this point I told him I would need a number to call him back and he hung up. 

I believe these incidents must be related. 

I have also filed a police report and put fraud alert on credit reports. 

My bank did not flag a succession of incremental withdrawals and said they can take up to 10 days to replenish my account.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX  without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I pulled a copy of my credit report and noticed that a collection account from an unknown source appeared on XX/XX/XXXX. I have NEVER received any notification of any " debt '' as I have been a victim of identity theft. I have disputed this information several times and have not received any correspondence. I have filed a police report with XXXX XXXX Police Department Report # XXXX. I also filed an identity theft report with the Federal Trade Commission reference # XXXX. Below I listed the current report from my credit. In XXXX, it was another agency, however on my XXXX  credit report it says another company. I have attached three different credit reports that reflect different names. I have received returned certified mail from the " said '' collection agency. Also, when I called the number listed on the XXXX  dated XX/XX/XXXX report XXXX, I get a voicemail message stating that its a collection agency, but there isn't a name of said so called collection agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I believe I was a victim of the Equifax hack in 2017. Because of this, Equifax has allowed my name, DOB, and SSN to be accessed by unauthorized personnel, which may lead to identity theft, fraud, and a disruption of my credit.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

A debt collection for a repo of {$8000.00} from XXXX XXXX XXXX was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to Jefferson Capital Systems which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX  who is disputing this and requesting for it to be deleted from XXXX, XXXX  and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have two accounts on my credit report with XXXX, XXXX XXXX, Equifax that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
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 ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$6400.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX. ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Company closed your account

I have been a loyal Citibank customer since XX/XX/XXXX. I have made every credit payment on time, until recently ( Summer of XX/XX/XXXX ). Unfortunately I was placed on medical leave due to some treatments I am receiving and as a result I am not allowed to work temporarily. As a result of my leave from work and delay in getting my temporary leave benefits, I did fall behind on one payment to Citibank. Actually, I did log on to Citibank to make that payment and was expected to pay 3 times the normal payment amount, therefore I was unable to make that payment at that time, resulting in some fees and interest charges putting me over my limit. 
On XX/XX/XXXX, I did speak to an Agent whose job was something along the lines of Customer Solutions ( I apologize that I do not have the proper title, but the call was on XX/XX/XXXX. ) I entered into an agreement with this agent that I would pay {$130.00} a month until the account was caught up ( take note that this is still more than my average minimum payments by at least double ) but I wanted to get caught up and back on track not only to protect my credit, but also to keep my card in good standing for the future. I was assured by this agent that entering into this agreement would protect my card and keep it open as long as I made the minimum monthly payment, via bank draft. On XX/XX/XXXX, Citibank took {$130.00} out of my checking account as agreed upon. On the same date Citibank closed my account. When I became aware of this ( a week later XX/XX/XXXX ) I did call and speak to an agent who stated that the bank closed it, and that no reason is listed. I escalated the issue and indicated that the account should have been protected against closure, as I had entered into an agreement with Citibank- an Accounts Manager did tell me that my account should have been protected from closure with this agreement as she could see where the payment was made as agreed upon. I have upheld my end of the agreement & I feel disappointed that Citibank would close my account anyway, despite my good faith efforts. Prior to this, I have never missed any payments on any of my accounts on my credit, so there would be no other reason to do that. Even the paperwork sent states that the account will become current if I keep the agreement, however it can not become " current '' if it is closed. We made an agreement and Citibank has broken their end of the bargain by closing my account.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2022, I deposited a payroll check via the XXXX XXXX through my bank PNC Bank, in the amount of {$750.00}. I was told that funds would clear and be available on XX/XX/2022. Upon trying to make a purchase, once the funds posted as available in my account in the amount of {$750.00}. Upon calling my bank on today XX/XX/2022. I was told that my bank account has been frozen and that I could not access my account. As of today I had money already available in my account and due to this freeze the bank will not provide me a reason why my account is frozen, nor will they allow me access to my funds. Please assist me with this complaint. Thank you
Complaint sub-issue: Account status incorrect

I am writing this letter to you regarding account XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.
Complaint sub-issue: Information belongs to someone else

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )
Complaint sub-issue: Problem accessing account

Good afternoon, On XXXX, I applied online for XXXX XXXX XXXX account. After applying, I tried to access the " return to application '' link to create ID and password. However, it kept erroring out after inputting XXXX  digit code received to verify my application. I have called multiple times to get status of the online access and account opening confirmation. The account application was successful according to the multiple representatives I have spoken to. Its been over a month not and yet I have not been able to access my account. Each time I was given reason of " engineering team is looking into my issue. '' One time, I was even asked to send screenshot of the error to their email address, but nobody has replied to that. 

I opened this account under promotion of {$500.00} when you do {$2500.00} in XXXX deposit. However, I still can not access my account. This is unacceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX updated the terms of promotion. I feel like I will run out of the time before I could complete the promotion due to XXXX XXXX 's inability to fix the technical issue.
Complaint sub-issue: Investigation took more than 30 days

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was shipped out a credit card that I never signed up for before it even reached my hands it was maxed out {$5000.00} full of fraud I then called Citibank to get it fixed and they managed to take about {$4200.00} off of it but have refused to take off the remainder of the balance I have called them over 40 times and they keep saying they'll take care of it now it's become an issue with my credit score and my score is dropped from XXXX down to XXXX because of them. They are not handling the situation they are not taking care of the problem and they are posting false statements on the credit bureaus. They keep calling me and telling me I have to make payments and then they put me on hold for a half an hour and never get back to me.
Complaint sub-issue: Account status incorrect

My credit report shows 7 late payments but the information is not consistent across all XXXX, Equifax and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated.

The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 

The Debt Collection agencies are as follows XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

They will not reinvestigate the following items : XXXX  XXXX XXXX XXXX Dept of Education XXXX