Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

equifax shows that my XXXX  loans are still open ; however, all my XXXX  loans are at {$0.00} balance.
Complaint sub-issue: Problem getting your free annual credit report

I tried to request my free credit report from Equifax online at annualcreditreport.com. I got a message that it couldn't be provided online and to call them. As you can see by the attachment, the message didn't include a phone number where I was supposed to call. I reported the problem a week or two ago and received a response thanking me for reporting the problem and including a credit report request form. I don't want to put such sensitive PII in the mail, so I tried the online process again today and the problem has not been fixed. The credit report request form included a phone number, which I called to request my report through the automated phone system.
Complaint sub-issue: Company closed your account

My XXXX XXXX by XXXXi was closed on XX/XX/22 The card was dated to be good until XXXX A letter was sent to me that I never received but provided during this dispute to me that was dated XX/XX/22 stating I had until XX/XX/22 to use my card or it was going to be canceled. I tried to use the card in XXXX but the card had already been canceled. They refuse to either reopen the account or provide a new credit card account. 
I am not at fault here and their condition was impossible to meet. They are liars and need to be fined.
Complaint sub-issue: Problem with customer service

We closed my Saving account, so the company 's excuse that all of a sudden I need to activate a debit/ATM card, which is XXXX  and I never had to in the past is no longer an issue. I STILL can not access my account online because these XXXX XXXX XXXX XXXX changed their website AGAIN without notice. It is repeatedly asking me to activate a card that I do not have. This problem is not only affecting me as there are numerous similar complaints on the web for the same thing, only they are too XXXX  and XXXX  to resolve them, and until the CFPB investigates, regulates and fines this XXXX  bank, this XXXX  customer service will continue
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX is lying about amount owed XXXX  XXXX to the therapy once you sign every time you show up I only signed for one visit after finding out he is a quack and running up a bill on a minor accident I dismissed the attorney XXXX XXXX and walked I was not hurt that bad as well his doctor not mine only supposed to get paid if win cas e IT WAS DISMISSED
Complaint sub-issue: Their investigation did not fix an error on your report

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : The Bureaus INC, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE BUREAUS INC Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Complaint sub-issue: Privacy issues

I found out in a credit report someone opene d a CBNA  credit card under my name and social security, and using it. It was opened back in  2012,  and since then accumulated amount of {$5700.00}.   I have not received any statements, balances, calls or warnings form anywhere, so it must be that somebody is involved in identity theft.   I have not heard of the existence of this card or debt until I applied for mortgage, and the mortgage agent notified me about this suspicious card and activity.
Complaint sub-issue: Public record information inaccurate

According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from lexis nexis stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from lexis nexis. 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.
Complaint sub-issue: Funds not handled or disbursed as instructed

In XXXX of this year, I opened a personal checking account with Bank OZK. At that time, I made clear, and bank records show, I made the declaration to refuse Bank OZK 's overdraft protection. Not much later, I opened a business checking account with Bank OZK and ALSO refused the overdraft program. 
Months later, I receive a notice in the mail " Congratulations! '' you have been approved for a {$500.00} overdraft protection. And then the same letter came for my business account. I call multiply times, but was told call times were really long because of covid. I spent a lot of time trying to opt-OUT of this program. 

At one point, I had the perfect storm of client 's failing to deliver checks and XXXX would not disburse my funds quickly enough to cover. So my account began being drained by the cycle of overcharge- overcharge fee- draining my account. 

Effectively, Bank OZK was " helping me out '' despite my declaration to the contrary, by " granting me {$500.00} of overdraft protection '', and they then stole nearly {$300.00} from my account. 

These types of issues have been litigated and these programs have been found illegal, unless the withdrawal was a scheduled one. 

I have given bank OZK plenty of opportunity to do what is right here and XXXX XXXX at their XXXX, NC office has been impossible. 

I started my business a month before Covid hit and I knew it would be hard, but I didn't expect to have to fight my own bank.
Complaint sub-issue: Account information incorrect

I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!
Complaint sub-issue: Investigation took more than 30 days

I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from Equifax or XXXX at all.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I have disputed several times through credit reporting the incorrect reporting on my credit they reporting me as 90 days past due they are reporting the incorrect date of last payment I am asking for the information to be updated or removed from my credit report immediately
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never gave consent for Equifax to share/make/furnish a credit report for me. 
They assumed the responsibility on reporting without my consent. 
I never gave permission or consent. They didnt hold their grave responsibility. This violates my consumer privacy.
Complaint sub-issue: Debt is not yours

This company continues to try to collect a debt of {$750.00}, although it is clear that I do not owe it and that a XXXX party that is in privity with it is the party that may owe the money. The company has been told by me, XXXX and government regulators tgat no debt is owed. Therefore the company can not collect a non-existent debt. Nor can it sell a non-existent debt. Nor can a company continue to demand payment, after being put on notice of such facts, without violating federal debt collection statutes. Please sanction it.
Complaint sub-issue: Account status incorrect

I have about {$34000.00} in federal student loans with Nel Net and some payments are showing on my credit report as negative accounts. 
I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company reported my payments as late payments to the credit bureau from about XXXX XXXX XX/XX/XXXX. 
I placed my loans on forbearance in XX/XX/XXXX and I was asked to call back 6 months later to follow up with my account to continue to be eligible to for the forbearance program and to make sure i met the requirements. When I called back in XX/XX/XXXX, I was told by a Nel Net representative my loans were no longer on forbearance since XX/XX/XXXX and my account was showing in their system as past due and my account was in delinquent status. I told the representative it was an error and I did not authorize to terminate my forbearance status, the representative stated it was an error and my loans were going to be placed on forbearance once again. I called back Nelnet in XXXX and XX/XX/XXXX because my account was still showing as negative accounts in my credit report and I was reassured every time by the agent that my matter was going to get resolved because it was an error on behalf of NelNet and to allow some time for the matter to get solved. I called numerous times in XXXX to solve the matter and it was still not resolved. I spoke to a NelNet representative again in XX/XX/XXXX and she stated my loans should have never been taken off forbearance status and she was going to submit a dispute report to clear the negative payments that were showing in my credit report. Once the representative submit my request, the letter stated Ne Net did not commit an error in the reporting the late payments because NelNet stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation. NelNet stated they called me but I was not provided with a voicemail of the issue.
Complaint sub-issue: Information belongs to someone else

I have reached the point where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Equifax have no time to tackle or review my complaints and Im sure you have seen the FTC Ive sent. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy ... Be responsible and abide by the FCRA Law! 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX
Complaint sub-issue: Account information incorrect

There is unverified and inaccurate information on my credit report. I would like this information removed immediately.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have been a long time customer of Discover for at least years no late payments. I'm in the process of making a large purchase and reached out to my credit card company which i am in good standing with for fours and asked for an increase of my credit limit and they refused without a valid reason and when i questioned it. I was told the system makes the decision. I ask to appeal this decision because it doesn't fit my history with Discover and i was given the run around by the representative and was told i would get a call back from the manager after i let a message on XXXX  and called out Discover for their algorithm discrimination practice. Discover has failed to respond to my request.
Complaint sub-issue: Information belongs to someone else

In XXXX after checking my credit report I noticed that several files were not mine. Innovis was reporting a XXXX XXXX account. This account does not belong to me. I disputed with Innovis. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Innovis several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Innovis is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Complaint sub-issue: Reporting company used your report improperly

According to Equifax, my information was released in a cyber attack. Equifax failed to protect my personal identifiable information, and I am now at risk for identity theft. I have no business relationship with Equifax, and entered into no agreement with them. They were granted access to my personal information by statute, and as such they need to be held to the highest standards of consumer protection.
Complaint sub-issue: Privacy issues

Dear CFPB, In XX/XX/2018 I contacted Citigroup regarding a problem on my account ( see attached letter Letter to Citigroup XXXX sensitive information in the email XXXX ) describing in details that a service that they provide to other customers of suppressing sensitive account information, such as account balance, amount of available credit, and amount of minimum payment due, in unsecured emails was not provided to me. 

Following my initial request in XX/XX/2018 I contacted Citigroup several times when I was receiving unsecured email messages that contained sensitive account information and exposed my account balance and other financial information to unauthorized third parties that handled the delivery of the unencrypted email message via the Internet. 

On XX/XX/2018 Citigroups executive response unit representative XXXX XXXX sent me a letter a copy of which is attached as response from Citigroup XXXX unsecured emails XXXX ) in which they claimed that my concerned was addressed, that the email messages being sent to me contain only the last four digits of my account number and do not contain any other sensitive information. XXXX XXXX response also contained a sentence informing me that Citigroup considers the matter resolved and will no longer respond to my inquiries regarding the fact that the email notifications I receive from Citigroup contain my account balance, minimum payment and available credit information. 

I have to emphasize that Citigoup provides the service that I requested of suppressing sensitive information in unsecured email messages to other customers, however they would not attempt to troubleshoot the issue related to my account and therefore my account is adversely affected. 

For Citigroups reference I am enclosing the last 12 statement notification emails that were sent to me via unsecured email messages. All of the messages contain sensitive information and most of them were sent to me after XX/XX/2018, the date that XXXX XXXX claimed that the matter related to this issue is resolved and Citigroup refused to consider any further communication from me regarding this matter.
Complaint sub-issue: Didn't receive notice of right to dispute

I received an alert for my  XXXX  credit report on  XXXX / XXXX /   2017  that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of  XXXX  dollars to my credit report. This collection account was added on  XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with  XXXX .
Complaint sub-issue: Information belongs to someone else

While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had made a one room reservation with XXXX XXXX XXXX XXXX XXXX , XXXX, FL for 6 nights ( XXXX ). However, on the day of the check-in ( XX/XX/XXXX ), I had to cancel the reservation. So, understandably, I was charged for one night of {$190.00} on my Citi credit card, due to the late cancellation. However, soon afterward, I received my Citicard statement. I was charged additional charges of {$790.00}, 4 additional charges of {$190.00}. 
On XX/XX/XXXX, I called the hotel and talked to XXXX, who said the manager will credit back the overcharged amount for me. On XX/XX/XXXX I called the hotel again, since I had not seen any credit made onto my card. XXXX the receptionist told me then that the manager XXXX is out on his lunch and will call me back. On XX/XX/XXXX, I called the hotel again since I had not heard from XXXX. XXXX got on the phone and said he will check on the problem. But, he never did credit me back the amount onto my card. So, on XX/XX/XXXX, I called Citicard and explained the situation to XXXX the representative, who told me that she will have to make a security closure on the card, because of the many transactions involved. She then issued me a new card and open an investigation on the charges. She also said that Citicard will credit me back the whole amount that was charged while they are doing the investigation. On XX/XX/XXXX, I received an email from Citicard about the investigation. They attached a copy of XXXX XXXX XXXX XXXX XXXX ' charge on my Citicard on XX/XX/XXXX for a total of {$190.00} only, not 5 times the amount. Then, on XX/XX/XXXX, Citicard send me another letter that they are closing the investigation, because they said that the hotel 's statement proved that I had given them the card information, therefore the charges were legitimate. However, those additional charges were not legitimate, because I did not authorized them. I only authorized XXXX night charge. The statement from the hotel also showed that only one night should have been charged on my card! Not 5 nights! On XX/XX/XXXX, I talked to XXXX in Citicard Finance Department, she said that since the case is not due to a fraud, they closed the case and charged me the whole amount back onto my card again. She told me that I would have to try to resolve the problem with the hotel myself. By this time, the hotel had changed ownership. I made several phone calls to the hotel and was finally able to talk to the receptionist XXXX on XXXX of XXXX and then to the new manager XXXX XXXX on XX/XX/XXXX. XXXX told me that as a new owner, he is not responsible for the previous owner 's fault. So, he refused to credit back the money to me. So, I also called XXXX customer care, but they said the problem is between the hotel and I, so they will not get involve, either. I continued to call Citicard to assist me, so on XX/XX/XXXX, they send me a letter with the proof that they had released the fund to the merchant 's acquiring bank on XX/XX/XXXX and don't want me to dispute the charge anymore. Please, help!!!
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, XXXX, I received a call from Biehl & Biehl attempting to collect a debt regarding XXXX XXXX XXXX On XX/XX/XXXX, I responded via email to Biehl & Biehl and provided documentation to its collection representative that the XXXX XXXX XXXX was paid in full and provided a copy of XXXX Quote ( required for the bill of lading ), a copy of my credit card statement showing the charge, and a copy of the bill of lading. On XX/XX/XXXX, I received a call from Biehl and Biehl. This time asking to speak to a XXXX XXXX XXXX. After responding that I am not with XXXX XXXX XXXX, I spoke to the Collections Manager at Biehl & Biehl and provided documentation to him via email that I am with another company and also provided documentation that my charge with XXXX was paid in full. The Collections Manager responded via email on XX/XX/XXXX " Receipt acknowledged, thank you. I will be back in touch shortly. '' No response was received. In XX/XX/XXXX, I received a letter from Biehl & Biehl addressed to XXXX XXXX XXXX demanding payment and stating that they have " attempted to contact me without any success. '' Again, I contacted Biehl & Biehl and indicated that I am not associated with XXXX XXXX XXXX and the bill of lading they provided in XX/XX/XXXX was to another company and it was paid in full as documentation I provided to them showed.