Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2021 I SENT THE XXXX CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX Amount : {$2500.00} ; Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Account with XXXX XXXX XXXX was opened XXXX XXXX, XXXX for XXXX XXXX XXXX in the amount of {$270.00} and this account is due to identity theft from my ex husband who used my social security number without my permission or knowledge. I have disputed it multiple times on my credit to no resolve or contact from company.
Complaint sub-issue: Unable to open an account

On XX/XX/XXXX I applied for a checking account with Key Bank that required an on-line application. I was unable to complete the application on-line. I called their tech support XXXX. They could not provide a solution that would work but said I could NOT get the {$200.00} sign up bonus if I went into their branch office which was a XXXX drive away. 
I waited XXXX days and tried with XXXX different browsers just in case they had fixed their problem to no avail. I do qualify for the {$200.00} sign-up bonus based on their written offer.
Complaint sub-issue: Application denied

XX/XX/2021 : Discover denied application denied due to : LACK OF RECENT REVOLVING ACCOUNT INFORMATION XX/XX/2021 : Discover denied the application due to : RECENT REVOLVING ACCOUNT ACCOUNT INFORMATION NOW PRESENT
Complaint sub-issue: Reporting company used your report improperly

equifax credit agancy has violated my rights 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written consent. 
15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this agency has allowed information to publicly furnish against the law in which is defamation to my character please uphold the law and have them remove these items thank you XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX  XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  acct XXXX
Complaint sub-issue: Talked to a third-party about your debt

They called my nephew XXXX XXXX. They disclosed my personal information associated with my credit report and read him personal emails. The email was sent prior to the maintenance man doing a XXXX XXXX. He was told if he dont pay they were going to take further action. In addition, they did not disclose the management team was notified due to maintenance man touched me inappropriately while pregnant. I advised them, the apartment complex, of the issue and never resolved. Now they have turned over to third party to whom are disclosing my personal credit information to someone else!!!!!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I was the victim of Identity theft. Accounts with Cable companies and cell phone providers were opened using my name and SSN. All my credit reports have been frozen since the XXXX data breach. So no new account line of credit inquiries on my credit report are possible. 
However these accounts did not inquiry on my credit reports. The accounts went to collections after no payments were made. I am currently disputing the charges and submitting documentation. 
Citibank lowered my line of credit on my citibank credit card. I explained that I was the victim of fraud and asked that my credit limits be restored. They refused to restore my credit limits. After many attempts to explain I was not at fault and given the current joblessness and financial crisis they should reconsider. I had been a long term client of citibank and had always made any payments minimum or otherwise on time. 
The employs and supervisors of Citibank Credit card customer service were rude and unresponsive. I settled the balance of the card and closed the account. 
Citibank them claimed I owed them interest after paying off the card and closing the account. I argued with them again. Finally, I was forced to pay interest on a card I had payed off and closed. The customer service from every person I spoke with at Citibank was horrible.
Complaint sub-issue: Reporting company used your report improperly

Im 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 cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX  XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. 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

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$210.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXXXXXX XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$98.00XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}
Complaint sub-issue: Don't agree with the fees charged

Good Evening : In XXXX, I went through a separation and subsequent divorce. My student loans at the time were financed through ECMC. I requested to make partial payments until I was financially stable again and was told that I had to make full payments or my loans would go into default. I could not afford full payments at the time. Through the separation and divorce, I was forced to file for XXXX XXXX bankruptcy. I made 5 years of monthly payments, which included regular payments to my student loans. Despite payments going to the student loans, I was not given credit for these payments. My loans remained in default and very sizeable default fees and interest accrued. I contacted ECMC about this matter and was told this was policy and federal law. Upon finishing up my 5 years of bankruptcy payments ( all of which were on time ), I was told by ECMC that if I made 9 consecutive monthly payments, that my loans would be taken out of default. They then would begin to work with me to waive the default fees and interest accrued. After my 9th payment was made, my loan was sold to XXXX. Nothing was waived, adjusted, etc. My loans that were {$56000.00} are now {$110.00}, 000. XXXX is attempting to set me up on a payment plan of over {$800.00} a month for 30 years. According to their calculations, this will have me paying {$280000.00} upon completion of this payment plan. That is over 5 times the amount of my student loan amount. I attempted to contact ECMC on XX/XX/XXXX to inquire about the fee and interest waivers, but I was bounced around to 3 different people, who provided me with a total of 6 telephone numbers to call. I have read multiple articles on XXXX and their deceptive practices. I am fearful of what my student loans will turn into through this company after the previous inflations.
Complaint sub-issue: Can't use card to make purchases

XX/XX/XXXX - large payment made to Citi Cards to pay off balances XX/XX/XXXX - Citi cards locked my credit card and sent me an payment verification notice XX/XX/XXXX - I called citi card and got my bank ( XXXX ) on line to sort out the hold. 
XX/XX/XXXX - I received a letter from citi card stating my bank XXXX told citi bank that my account at XXXX has insufficient funds. 
XX/XX/XXXX - I called citi card and have my bank XXXX on the phone and verify that that is incorrect. Citi refused to acknowledge the mistake they made and insist on locking out my credit card until payment is verified. 
XX/XX/XXXX - I called citi again and they still have not unlocked my card.
Complaint sub-issue: Billing dispute for services

On XX/XX/XXXX I got approved for a {$500.00} Credit Card from XXXX XXXX. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the XXXX XXXX App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.
Complaint sub-issue: Can't stop withdrawals from your account

Square/Block Inc. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Lender In XX/XX/2022- I was informed by Square ( payment processor ) that I had a UCC filed under my company. I did a quick search and noticed nothing was under my company through the XXXX of XXXX - Colorado. I also did a national search, not data. I sent multiple emails to Square in regard to the fraudulent UCC filing. Square would not recognize nor accept my evidence. I asked several times for them to provide the record number of the UCC filing. They did not and would not provide any information. The only information was to contact the lender XXXX XXXX- however, in doing so, they were not able to provide that information. 

After several months as I went back and forth with Square asking them to do the due diligence and research my company for UCC filings. They ( the XXXX XXXX  division ) refused to even respond with evidence of this. I was forced to reach out to the lender and work out a payment plan, in order for my funds to be accessible through Square. After 2-3 months of working hard, I was able to pay off the lender. I asked if they could provide me with the original filing of the UCC. I did research on the filing number .... WOW I said to my amazement the UCC was filed with the wrong business name. I mentioned many times to Square that there was not filing under my business name. 

This is classified under the XXXX code as " serious missleading ''. Not accurately checking the correct name of my organization is an egregious mistake and is punishable. 

I 100 % blame Square/Block inc. for not doing their part to accurately check/research the information provided, the customer agent were unprofessional and they could only escalte my issue, which took over 2 days to respond, so I havent ' bee responded to. In total, I lost over XXXX, not beign able to stock inventory, late payments of rent, in the process of eviction at my residence, lost of revenue at business and a drop in credit score b/c of late payment. I was not able to access any of my funds for over 2 months.
Complaint sub-issue: Account information incorrect

Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. XXXX is reporting that it was opened on XXXX, and XXXX and Equifax have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and XXXX and Equifax are reporting that the payment status is unknown. Also, under the date last active, XXXX has that it was last active on XXXX, XXXX has that it was last active on XXXX, and Equifax has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is the complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Complaint sub-issue: Can't use card to make purchases

I have a credit card with HomeDepot ( Citibank , N.A . ) and had established a credit limit with them that they have consistently reduced every time I have paid a portion of a balance down on the card. They have told me it is due to what they get reported back to them by the credit bureau each month. However, the only time they do it is when I have made significant payments on promotional balances to pay them down or off. Most recently, on XX/XX/2020 I paid {$1000.00} on my card and then on XX/XX/2020 I paid another {$2800.00} which paid off a promotional balance of over {$6500.00}. On XX/XX/XXXX they decreased my credit line to {$100.00} over the current balance of the card which decreased my credit line {$3300.00}. This has impacted my credit score and report by showing that I no longer have a large open credit line and a decreased available credit on the card. They are now showing the card to be utilizing almost 100 % of the available credit which has created an unfair reporting on my credit and affected my score as a result.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.
Complaint sub-issue: Was not notified of investigation status or results

I have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.
Complaint sub-issue: Information belongs to someone else

Dear CFPB Staff, Equifax has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ]  concerning a fraudulent account being reported on my Equifax Credit Report titled " XXXX XXXX XXXX ''. 

Equifax has refused to perform actual investigations. Equifax has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And Equifax has hurt myself and my family financially because this. 

Equifax has continues to address this matter, and the Equifax phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation Equifax have demanded multiple times these past two years. Equifax refuses to address this as well. 

In CFPB Case # XXXX Equifax even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the  CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of Equifax has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation Equifax 's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted Equifax permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as Equifax 's employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on Equifax 's part as a reason not to address this matter.
Complaint sub-issue: Information belongs to someone else

company is reporting a fraudulent account on my report account was reported twice now its only reported once on credit report this is a fraudulent account that still remains i have been a victim of identity theft and would like this removed
Complaint sub-issue: Was not notified of investigation status or results

I requested both the credit Burure and XXXX to reinsert the following XXXX XXXX account with its payment history. 

It appears that XXXX has maliciously inteneded to purposly erase good payment history while reinserting old accounts that have been deleted by both themseleves and reinsert a XXXX account that was already deleted. 

Below is the account they have intentionlly deleted from my payment history to cuase damages.
Complaint sub-issue: Frequent or repeated calls

Jefferson capital systems has contacted me on numerous occasions about a XXXX XXXX line of credit that I've never had. In the amount of {$300.00}. I've called XXXX numerous times to make sure that I don't have a balance and I don't. I explained to Jefferson capital systems that this isn't my account.