Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to open an account

Citi bank applied methods that can only be called fraudulent. They been riding me over a account opening for 2 w. 
The skinny is I don't have a account open after providing all they asked for. I believe they acted discriminatory and failed in there sop
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. My personal information was compromised and a fraudulent charge was included on my account without my consent or authorization. 
I sent this company my dispute letter on XX/XX/XXXX18 with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/ 2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Complaint sub-issue: Received bad information about my loan

I enrolled in XXXX XXXX. After being told I did n't have enough to cover the cost I was given the option to use in house financial aid. Unbeknownst to my knowledge the school would later be closed. Genesis Lending my original in house provider now closes. XXXX XXXX XXXX takes over and closes and now XXXX is the collector. If the original lender was closed just as the school was why do students such as myself who were released from the debt by the DEPARTMENT OF EDUCATION have to fight with these " lenders '' who were found to be just as shady as the schools. All loans associated with XXXX should be done away with.
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX, and XXXX  have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a record of them receiving the requests with no response since.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT
Complaint sub-issue: Information belongs to someone else

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Complaint sub-issue: Public record

THEY TOLD ME THEY DO NOT REMOVE THIS ON THE CREDIT REPORT WHEN MY ATTORNEY TOLD ME IT IS TO BE REMOVED IT IS OVER XXXX YEARS OLDTHEY ALSO SAID THEY WERE ADDING MY WORK HISTORY AND DID NOT. I AM SHOPPING FOR A CAR AND NEED THIS FIXED
Complaint sub-issue: Account information incorrect

My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.
Complaint sub-issue: Account status incorrect

I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX CO XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$0.00} are reporting on my personal credit file with ( Equifax/XXXX XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Complaint sub-issue: Debt is not yours

XXXX, mailed a letter to XXXX XXXX XXXX to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. XXXX has failed to provide the method of verification within 15 days.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago
Complaint sub-issue: Debt is not yours

I logged into my XXXX  account and noticed that I have a XXXX collections but I have never opened an account with them. I have not received a collection letter at my address either.
Complaint sub-issue: Problem getting your free annual credit report

Ive been trying to get copies of my credit report for years. No one is able to get a copy of the report not even the mortgage company Im going through. I have called I have sent certified mail with a copy of my license, social security card and a utility bill with my address. I not able to access through any free credit reporting agencies, Im not able to access through the Equifax website. Though I keep getting emails requesting that I pay for a service to access my report.
Complaint sub-issue: Personal information incorrect

My legal name is XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX Attached is a copy of my driver 's license and passport. Please update my account to reflect this. I have another account ( XXXX ) which has it correct. I told the dealership to make sure this information was correct before loan closing and I was assured it was. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last Four of social # XXXX
Complaint sub-issue: Debt is not yours

I requested validation of the alleged debts and received my confidential medical information, without a signed release, which is a clear violation of my rights under HIPAA.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX**Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.
Complaint sub-issue: Attempted to collect wrong amount

Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.
Complaint sub-issue: Debt was result of identity theft

I have contacted the Bureaus XXXX Equifax, XXXX, I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency I demand to have this Bankruptcy removed from my profile as it is in violation of my rights. and they have obtained my information with my consent from public records.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$89.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Complaint sub-issue: Charged too much interest

XXXX  XXXX is attempting to charge interest on top of interest. This began within approximately one month after XXXX XXXX extended me credit & opened an account on my behalf. My first statement was dated XX/XX/2018. I have paid off in full each month the purchases accrued. I believe XXXX XXXX uses overly aggressive if not Illegal calculations which don't consider, for one thing 1 ) credit when an item is returned and that transaction overlaps 2 statement periods..There are i am sure other overly aggressive tactics employed by XXXX XXXX in the name of tacking on interest. 

I have called them each time I received a new statement which showed interest and explained and provided proof that full balances were paid timely & asked that the situation be permanently corrected, to no avail. 

I request all interest ever charged be removed and/or credited back to my account
Complaint sub-issue: Deposits and withdrawals

Applying for grant and PNC will not allow me to link my account for disbursement of funds.
Complaint sub-issue: Information belongs to someone else

There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.
Complaint sub-issue: Investigation took more than 30 days

I am writing a complaint because the Credit Bureau Equifax has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

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

CITI credit card payment was made on XX/XX/XXXX. Payment was made in full and last four CC # was written on memo line of check. 
Company argued they never received the payment, yet our bank confirmed the credit card payment posted via XXXX On XX/XX/XXXX and provided me with a transaction detail report. 
Transaction detail was provided to the company. They were not able to locate the check for several months. Finally, after several phone calls and repeating my story several times, CITI miraculously found the check. I was assured the payment would be recorded, and applied to my account. They assured me that late fees would be removed. They assured me that it WOULD NOT negatively impact my credit. They LIED. 
I beyond frustrated. I made a payment, on time, in full and THEY LOST IT. I was told by two representatives very recently that CITI made the mistake and it would be corrected. BUT IT HAS NOT been done. I need it corrected ASAP.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXXXXX and in doing so 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 information without my written instructions.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I planned a trip to Hawaii for XX/XX/XXXX using Uplift Inc. I paid off my vacation in XX/XX/XXXX. In XX/XX/XXXX - Covid XXXX pandemic happened. Hawaii shut down. I cancelled my trip on XX/XX/XXXX. I was told I would get a refund in 90 days. As of XX/XX/XXXX I have yet to receive my refund. I spoke with my bank and informed them that it had been 90 days and I had not received my refund. The bank said this was unacceptable and returned my money and notified Uplift. Uplift has now turned me into a collection agency who is after me hurting my perfect credit score. I always pay my bills.. I am NEVER late. They are wanting me to pay for a trip that I never received and Hawaii is still closed. I want them to take off the bad remarks on my credit score. I DID pay them ... I paid them in FULL XX/XX/XXXX. When the pandemic happened - I cancelled and waited 90 days for my refund of {$4300.00}. I do not want to be called by collection agencies for money that they say I owe for a trip that I never got to take.
Complaint sub-issue: Public record information inaccurate

Since XXXX of 2020 my work was seriously impacted by the corona virus.I always made some sort of payment but was having a hard time as work was cut in half and my children were no longer in school. I feel these things should be taken into consideration and know that as soon as work picked up I was right back out there and making more than needed payments.
Complaint sub-issue: Frequent or repeated calls

I am currently being harassed by a company named XXXX XXXX about a debt from Flexshopper. I have what they called an independent investigator threatening both myself and my mother, saying he is coming onto my property. I called the company to talk on XX/XX/XXXX and had a talk with the account manager, who I realized was the same person threatening to come to my home. The next number my cell phone starts calling at XXXX XXXX. I answer the phone and I the same man who I spoke with started yelling at me, asking me for {$2000.00} and that he will be at my house within 5 minutes. He also started asking to speak to my mother and called her by name.He continued to call but would not say anything after I advised that I am recording all calls. He continued to call my phone from a private number and as of XXXX XXXX  on XX/XX/XXXX, he has called 25 times which has be and my mother with high anxiety. I know that it is him because you can hear his kids playing in the background on every call while he remains silent. I need this harassment to stop, my mom is elderly and upset and is threatening to shoot anyone that comes on our property
Complaint sub-issue: Investigation took more than 30 days

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Complaint sub-issue: Debt was result of identity theft

I have been going back and forth with XXXX XXXX representing XXXX XXXX regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved
Complaint sub-issue: Didn't receive notice of right to dispute

I received notification from XXXX XXXX that a new collection was placed on my credit report out of the blue so I checked it and found out that without any notice or dunning letters, Amerifinancial Solutions placed a debt collection on my credit report for {$460.00}. I had no knowledge of this debt and again, never received any notifications so that I could try and dispute this debt.
Complaint sub-issue: Report improperly shared by CRC

Sirs : Reference my complaint, No. XXXX : I submitted a timely dispute of Equifax 's response to my complaint. 
I have not received any reply to the dispute of Equifax 's response. 


They lied when they said they contacted me about a " promotional block '' last fall. 
I can forward the weeks-long chain of email inquiries with them. 
More importantly, they failed to answer the question concerning whether they betrayed my trust and sold my personal information to outside, non-credit or bank-related entities. ( I.e. Advertisers! ) I also did not receive a reply from the CFPB. 
Were Equifax 's actions legal? 
They act in a " quasi-governmental '' role and are even referred by numerous US Government agencies and websites. 
Was their disclosure of my PII to commercial entities legal? 

Thank you. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, these non affiliated third parties has false pretenses and deprived me of my rights due to perform or exercise I was denied extension of credit for INACCURATE and FALSE PRETENSES of any person knowingly and willfully obtains information on a consumer from a consumer credit reporting agency such as EQUIFAX, XXXX, XXXX XXXX under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. If you can not show proof of my documentary evidence or wet ink signature of my lawful consent of any transaction that took place between the creditor and the debtor that means any false information is willfully and knowingly that this is INACCURATE and FRAUD and I DEMANDING that you DELETE all FRAUD from these accounts that reported on my consumer credit report on their will be consequences and penalties for the violations.WITHOUT PREJUDICE BEST REGARDS, XXXX XXXX
Complaint sub-issue: Public record information inaccurate

The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.
Complaint sub-issue: Debt is not yours

I have a debt on my credit report for XXXX that i have no knowledge of or gotten no notification of it
Complaint sub-issue: Their investigation did not fix an error on your report

I JUST GOT POSTAL MAIL IN RESPONSE TO A PREVIOUS COMPLAINT WITH EQUIFAX. This is not a duplicate complaint!! They just sent me dispute results that DID NOT delete accounts that contained many violations! Equifax is refusing to delete the inaccurate accounts being disputed ; they contain a HOST OF VIOLATIONS. See my attachment, which contains my identifying info at the end. I supplied lots of supporting documentation as well jic. Example : Please tell me how an account was not deleted that is STILL being reported as OPEN and CLOSED at the SAME TIME. That's just one example! I demand these accounts be deleted!