Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

Previously contacted Citibank on a range of issues stemming from their contradictory statements -- three statements for a single month -- and their very belated non-compliance with credit reporting guidelines. After multiple for letters from the bank, none of which were relevant, Citi changed tactics and inconspicuously & without explanation shifted the onus to me, the client. The bank should be heftily fined, reprimanded or otherwise disciplined. Meantime, Citi has effectively wrecked my credit rating -- and not once has discussed the dispute with the client. If I could afford the protracted time and exorbitant money involved, I would file suit. XXXX
Complaint sub-issue: Debt was result of identity theft

On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by Vance & Huffman ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

Vance and Huffman , LLC contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or XXXX XXXX bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.
Complaint sub-issue: Deposits and withdrawals

I got my loan sent to my checking account from XXXX which is a lender that approved me for a PPP loan to help with my small business, which is a XXXX XXXX. My loan was deposited in to my account on XX/XX/XXXX. When the deposit cleared my account I transferred it over to my savings account. When I went to pay up some bills for my business I noticed that my account was negative. I called the bank and they told me that they put a hold on my funds. The representative told me that he really didn't know much and to call my local bank. I called my local bank and a woman answered the phone saying that she would have someone call me. A man called me, I think his name was XXXX. He said that since my account wasn't a business then they can not release the funds. I am a XXXX XXXX so I do not have to have a business bank account. The bank is holding my funds which I need to help keep my business from going out of business. If my lender approved me for the loan then they made sure that I qualified for it and rather the money was deposited into a business bank account or not those are my funds and I should have access to them. I do not owe the bank money, nor have I ever wrote bad checks with this bank, and the wire transfer cleared into my bank so they should not be holding my funds. This has to be against the law. This is the reason I do not use this bank much and use my other banks because Ive had problems with them pausing my cards when trying to make purchases. I would always have to call to get them to unfreeze my card. If the concern is my balance is low, its because I do not use this account and wanted to keep my money in this account in the savings and use it when needed. I would like my funds released to me so that I can take care of my business.
Complaint sub-issue: Problem lowering your monthly payments

I am so fed up with Sallie Mae, I have given them chance after chance trying not to seek legal action yet they are still pushing me to do so. Last month I received a billing statement with no notice that my amount was increasing and here we are again and I have received a new statement with an increased amount!!! I think it is absurd that Sallie Mae continues to increase my amount WITHOUT any notice and with them knowing my financial situation, how do they expect people to pay them almost {$500.00} a month plus manage and pay other bills. Sallie Mae has no compassion for its customers and I wish everyone would just stop doing business with them if only they knew the horrible life you will have when its time to pay them back. I have tried multiple times to lower my payments just to be told I dont have any repayment options, it is official I will be seeking legal actions because this is ridiculous and sad, I can barely survive due to other bills and having to pay this huge amount every month with Sallie Mae XXXX
Complaint sub-issue: Debt is not yours

I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.
Complaint sub-issue: Investigation took more than 30 days

ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX  and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.
Complaint sub-issue: Information belongs to someone else

Previously I sent EQUIFAX an identity theft packet containing my Identification documents, an official FTC identity theft report and a letter identifying the information resulting from identity theft. At this current time EQUIFAX is still reporting accounts resulting from identity theft onto my consumer credit file even after receiving all documentation necessary in order to block the reporting of these accounts. After speaking with an supervisor at EQUIFAX the supervisor claimed that the reason that the block was not submitted was due to the packet being incomplete for not having my identification in the packet. I am 100 % sure that my identification documents were attached in the overnight express envelope I sent them and that someone must have removed them upon receipt. In order to avoid any further confusion or excuses by EQUIFAX employees as to why they can not comply with the Fair Credit Reporting Act 15 USC 1681c-2 ( a ) I am submitting this CFPB complaint along with all of the previous information sent and an identity theft affidavit so that EQUIFAX does not give any more excuses as to why they can not comply with the Fair Credit Reporting Act and block the reporting of these accounts reporting as a result of identity theft. For the record, I have attached a NOTARIZED Identity theft Affidavit with the complaint and I have clearly communicated that this information is not resulting from any transaction by myself as the consumer involved. It is crucial that EQUIFAX give the proper attention to this matter and file this identity theft dispute accordingly to prevent these data furnishers from simply " auto-verifying '' and re-reporting this information reporting as a result of identity theft. This information must be properly blocked from reporting in accordance with 15 U.S.C. 1681c-2 ( a ), all required information has been provided pursuant to the subsection.
Complaint sub-issue: Their investigation did not fix an error on your report

By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate.

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you.

My attachments are attached to this complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

PLEASE REMOVE FROM CREDIT REPORT
Complaint sub-issue: Account information incorrect

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint againstXX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( Equifax, XXXX, XXXX  ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX  XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX
Complaint sub-issue: Debt was result of identity theft

Erc is harassing phone call and never have accurate information XXXX was made aware the debt isnt mine. I had to do a police report with ftwpd then download the packet from their website ( XXXX ) file out documents and attach supportive images police report lease as proof of address and front and back of Id I even included a tax return with consistent address
Complaint sub-issue: Reporting company used your report improperly

ON XX/XX/XXXX, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.
Complaint sub-issue: Report improperly shared by CRC

XXXX XXXX a leanding copany checked my creidet report and didnt know anything about it
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove unauthorized inquiries on my credit report and they have yet to remove it. There are also inquires that I DID NOT AUTHORIZE on my credit report and Equifax has FAILED to provide me any sort of documentation to prove that I indeed authorized it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of XXXX  about this matter if it continues to not get resolved. I am starting with the CFPB to see if this will get resolved first. If it doesn't then I will take it as far as I have to until it is resolved. EQUIFAX is clearly breaking the law and don't give a XXXX! I am a retired XXXX XXXX Veteran and I feel extremely disrespected by Equifax. I have many veterans who feel the same way. If this doesn't get resolved ASAP then I will be contacting an attorney to move forward with a lawsuit. 

Dates:XX/XX/XXXX - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called XXXX, XXXX and Equifax after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, STATE OF MDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$44000.00}, XXXX XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX XXXX and Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Complaint sub-issue: Frequent or repeated calls

I have been a customer of BEST BUY for years. They issue a credit card from CITI BANK. On or about of XX/XX/XXXX. of last year I had an unsatisfactory experience with BEST BUY and refused to pay the credit card. I was unable to reach BEST BUY. I began receiving ROBOCALLS from CITI BANK these were a not a very clever violation of the law. They would call and let the phone ring once and hang up. The idea was that I would then call them. I spoke to them twice trying to convey my complaint. The only interest they had was when was going to pay. The calls occurred once a day for 30days, then began happening twice a day. I sent several letters to both of them with no response. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FLAGSHIP CREDIT ACCEPT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XXXX XX/XX/2019 I wrote to Citibank alerting them that XXXX  XXXX XXXX has no authorization to initiate debit transactions to my checking account XXXX, and asking them to block any further ( erroneous -- see related complaint ID XXXX-XXXX showing incorrect double-charges ) attempts by XXXX  XXXX XXXX to charge my account. 

On XX/XX/XXXX Citibank wrote a form letter ( XXXX ) speaking to the reversal of the previous incorrect charge and closing the case. 

On XX/XX/XXXX at XXXX Citibank allowed XXXX  XXXX XXXX to withdraw {$870.00} from my account with the full knowledge ( from my previous letter ) that XXXX  XXXX XXXX was NOT AUTHORIZED to do so. I attempted to contact Citibank again in writing, but the only online method they have, " chat '', was unable to help me and Citi does not accept electronic messages ; as I am traveling I am unable to write another paper letter to them. 

I would appreciate your intervention with Citibank so that they stop this unauthorized electronic withdrawals of my funds. 

Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.
Complaint sub-issue: Information belongs to someone else

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 to 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 purpose.
Complaint sub-issue: Old information reappears or never goes away

Macys, the Dept. Store of National Bank charged off a credit card account and assigned it to XXXX XXXXXXXX XXXX. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the Macy 's Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.
Complaint sub-issue: Report improperly shared by CRC

I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries
Complaint sub-issue: Investigation took more than 30 days

I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXn XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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.