Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

After previous dispute was closed, complaint to the CFPB # XXXX. A collection account was deleted, then allowed by Equafax to be re inserted and RE-AGED ( A serious violation to the FCRA ) as a new account : XXXX XXXX  XXXX, deleted then re inserted as ( Original Creditor XXXX XXXX XXXX ) with a new re opening date of XX/XX/XXXX. XXXX XXXX, XXXX REMOVED IT'S NAME AND JUST LEFT ( Original Creditor : XXXX XXXX XXXX ) but the collection company name has been removed. It previously had an opening date of XX/XX/XXXX, also changed the comment section, copies of credit report sections are provided. The statue of limitations have expired to collect, in the State of Texas a returned check has only a two year limitation which has expired and are illegally trying to collect as a current collection. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX OR XXXX XXXX XXXX Account # XXXX has violated my rights under 15 U.S.C. 1681 section 602 A States I have the right to privacy, 15 U.S.C. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX 2016 I had a fraudulent charge of more than {$2500.00} from a ticket vender.I didnt make or authorize the charge.I reported the charge to Citibank Brooks Brothers in XXXX XXXX a few months I was refunded the charge, but it keeps showing back up on my statement.I have been wasting many hours on phone with Citibank customer service for over one year, still have not resolved problem
Complaint sub-issue: Transaction was not authorized

I had an opened dispute with Citibank for the charges {$4000.00} from the merchant XXXX XXXX XXXX back on XX/XX/XXXX. And I had multiple supporting documents where it shows this company is scam and they were selling defected and wrong product. Citibank had all my supporting documents and all these months I was hoping they will resolve this fraudulent charge and they will credit back the amount to my account but after 8 months dealing this problem with merchant and with Citibank I got a letter from Citibank on XX/XX/XXXX where it says they are closing the dispute and I'm responsible for this charges. 

Me and my sister had the same problem with the same merchant and my sister had a XXXX XXXX account and she opened the dispute with her bank at the same time as i did and we both had the same supporting documents and proofs, she got her money back already a long time ago and her case was closed in her favor but my bank, Citibank, within these 8 months didn't give me any reasonable explanation why they couldn't resolve this issue in my favor. 

Please investigate this matter and if you need any additional information please contact me at XXXX. 


Attached you'll see all supporting documents for this transaction. 


Best Regards XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 am writing to dispute the following information that appears on my consumer report. 
Dispute : XXXX XXXX # XXXX Acc.XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX  : Equifax Date of Inquiry : XX/XX/2021 XXXX XXXX
Complaint sub-issue: Unable to open an account

I have a business account with the U S bank. I escorted XXXX XXXX to the U S bank to open up business account. XXXX XXXX is XXXX. We asked banker XXXX ( bank # XXXX ) for reasonable accommodations under the Americans with XXXX act to allow XXXX to be interviewed in a private cubicle in the same bank to prevent XXXX XXXX personal information from being overheard by the other customers at the counter. XXXX has trouble speaking in low or normal tone of voice due to birth defects. She is on XXXX. And wants to make her life better by starting her own business. XXXX escorted us to a desk approximately 2 feet away from the counter where other customers were opposed to the cubicle approximately 4 yards away from other customers. Plus there was a second cubicle farther away. Both unoccupied. I explained to the above banker that XXXX had the above XXXX and that was there to help her answer any questions that he would have of XXXX and she would authorized me to do so in front of him. XXXX refused. We left. I plan to return and would like help convincing the U S Bank to provide the requested accommodations under the XXXX. THE INCIDENT OCCURED ON OR ABOUT XX/XX/2021 just before noontime. 
I gave a verbal complaint to headquarters and cited XXXX rule of their own business on accommodations. I was informed that the incident or violation didn't qualify for formal investigation nor could the bank honor such an XXXX accommodation. I spoke to a * XXXX by phone on XX/XX/2021. He stated or read the bank notes on the complaint to me and it was whollfully insufficient.
Complaint sub-issue: Problem with customer service

I am trying to clear my loans as quickly as possible and this company finds every reason possible to put loans into forebarence and deny loan forgiveness applications. I have called them numerous times asking to never be put on forebarence and every 6 months they do it again with another reason. I request again in writing and they never respond. Meanwhile, I rack up interest on the payment amount that would've been taken out. I try to get loans forgiven under teacher service grants. Everytime I submit paperwork, they find something wrong, I correct it, they then find anotehr things wrong extended the process again rather than put all the incorrect items out there at once. This company is XXXX and is just trying to keep the interest flowing as long as possible so they can continue to collect more. They are clearly not there for the customer, purely to create problems for them.
Complaint sub-issue: Debt was paid

Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to XXXX XXXX main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have 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
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have been denied 5 online purchases over the past 3 days ( XX/XX/2021 to XX/XX/2021 ) even though funds are available in my direct express debit card account. Calling customer service has not resolved the situation. They tell me I am not allowed to make but a certain number of purchases in a given time period. I rely on online purchases because I have no car and am retired and live in a remote area. I order mostly from XXXX because they deliver directly to my apartment. Makes no sense I can't use money in my account to buy things I need. Really don't understand why the goverment uses such a poor company to handle the funds of individuals on social security. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am writing in merit again to my issue with Citibank not opening a dispute and resolving the dispute in my favour despite asking for information and the merchant not respond and proving that the merchant took my funds and has not performed the work. My issue with with the charge made on XX/XX/2019 in the amount of {$7000.00} with merchant XXXX XXXX XXXX XXXX. I was contact by Citi Executive Response UNit after filing my first claim, requesting more information which I provided and they never were in touch again. To date no refund has been issued. 

XXXX is perpatrade fraud by allowing merchants to bill large sums of money and not protect there cardholder when the merchant is running a scam.
Complaint sub-issue: Can't temporarily postpone payments

I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.
Complaint sub-issue: Account information incorrect

Hello, ALL credit bureaus, despite constant correspondence are still refusing and maintaining old information as current. There is misinformation that is 10 or more years old that is still on ALL of my reports. There are closed, XXXX and false accounts still on my reports, PLUS there are many unauthorized hard inquiries that ALL three credit bureaus refuse to remove! 
There are multiple accounts which were NEVER my own due to identity theft which ALL three credit bureaus REFUSE to remove! 

ALL mentioned must be REMOVED immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Money Lion Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from Money Lion staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.
Complaint sub-issue: Problem with customer service

XXXX XXXX phone calls are not allowe on Sundays.
Complaint sub-issue: Information belongs to someone else

I have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Debt is not yours

ALLIANCEONE REC MGMT XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX THIS ACCOUNT NEVER SENT ME A BILL AND HAS FAILED TO VERIFY THAT THE ACCOUNT IS MINE. 

EVEN XXXX REMOVED THIS ACCOUNT OFF BECAUSE THEY DID NOT FOLLOW COMPLIANCE BUT XXXX AND XXXX  STILL HAVE IT REPORTED ILLEGALLY
Complaint sub-issue: Billing dispute for services

1 ) Seven days ago, I signed for EQUFAX free 7 days trial, and then $ XXXX/m. 
2 ) I looked my EQUIFAX credit report XX/XX/XXXX and was NOT SATISFIED WITH THE EQUIFAX CREDIT REPORTS AS THESE REPORTS DID NOT GIVE AN ACCESS TO XXXX  AND XXXX CREDIT REPORTS, JUST THE SCORES. 
3 ) I canceled MY EQUIFAX SERVICE IMMEDIATELY, thus Equifax charged me today ( 7 days later ) {$19.00}.

4 ) I called the Equifax customer servise at ( XXXX ) XXXX at XXXX XXXX on XX/XX/2022 and spoke with the Equifax representative XXXX : XXXX. I requested a refund and ask why the service was continued as I canceled it 7 days ago. 
5 ) XXXX XXXX told me '' he needs to get into my credit report '', asked me all PERSONAL IDENTITY QUESTIONS for verification purpose. 
6 ) Then, XXXX XXXX continued to verify me, and sent me the following link, REQUESTING FROM ME TO SNAPSHOT MY DRIVER LICENSE : https : //document-verification-ifs-ca.us.equifax.com/error? fbclid=IwAR1BwYSkplOeMflZ2eOUFRAIEGZKhs9Jthf2lJnuFdGbIlRkke7abDMG6TM. 
7 ) While on the phone with XXXX XXXX, I snap-shoot my ID, THEN THE PHOTO SNAPSHOT OF MY ID suddently DISAPPEARED! I became very nervous not knowing where is the copy of my ID and if it was transmitted over the PHONE anywhere ; I told XXXX that this is very complicated and scary, and I should not be put into situation to do complicated verification of my self,. 8 ) JUST CANCEL MY SUBSCRIPTION WITN EQUIFAX AND REFUND MY MONEY. 
9 ) XXXX XXXX became also nervous, and told me that I should answer serious of verification questions. 
10 ) I proceed and XXXX asked me all questions about my mortgage, loans, credit cards, student loans, etc. 
11 ) THEN XXXX XXXX TOLD ME THAT THE EQUIFAX SYSTEM CAN NOT VERIFY ME!!!!!!! XXXX XXXX told me that I must send them my documents/IDs by mail. 
12 ) I WAS VERY ANNOYED as I simply wanted to cancel my subscription and refund my money. It is my right, more so I was calling to tell I already CANCELED IT. I told XXXX XXXX that I will file a CFPB complaint and will call my Bank to file a dispute. 
13 ) FINALY XXXX XXXX told me I COULD GO TO MY EQUIFAX ACCOUNT AND CANCEL MY SUBSCRIPTION myself. I objected and ask why XXXX XXXX did not started our conversation with this. 
14 ) After I terminated our conversation I did go to my Equifax account and cancel ( FOR THE SECOND TIME ) MY SUBSCRIPTION, BUT THE EQUIFAX DID NOT GIVE ME BACK MY {$19.00} ; EQUIFAX SYSTEM STATED I COULD HAVE THEIR SERVICE FOR 1 MONTH MORE. 
15 ) IF I AM NOT HAPPY WITH THE EQUIFAX PLATINUM, WHY SHOULD I KEEP THEIR SERVICE LONGER? 
16 ) EQUIFAX IS LYING TO CUSTOMERS, PROVIDING THE FAULSE ADVERTISEMENT ON EQUIFAX.COM THAT I CUSTOMERS COULD REACH XX/XX/XXXX CREDIT REPORTS, BUT EQUIFAX NEVER PROVIDES SUCH OPTION TO CONSUMERS, JUST THE CREDIT SCORES.
Complaint sub-issue: Account status incorrect

I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as posssible.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.