Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Account status incorrect

I opened a credit card with US Bank/ XXXX Mastercard several years ago. It is my understanding that monthly billing statements are to by law to be sent out 21 days prior to due date. For several years I repeatedly did not receive bills from this one company on time, many times receiving them a week after the due date. I repeatedly had to fight them for late charges and paid late fees several times as a result. This is the only credit account out of a dozen accounts I have that I have had this problem with.

I repeatedly verified my address with the company and they always had the correct address. I am currently trying to fix these errors on my credit report. The account representatives at XXXX Mastercard have told me over the phone they will not correct my information on file with the credit reporting agencies, and the disputes department puts you on hold for 45+ minutes when you call to try to fix the problem. I have hired a company that disputes accounts but they have not been successful either. 

Based on my experience with this company, I believe I am not the only person having problems with this company. I do not use the card very much anymore as a result of their poor business practices but would still like the three negative items on my credit report removed from by this organization. 

Thanks for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.
Complaint sub-issue: Deposits and withdrawals

I called discover about my direct deposit that was scheduled and post dated for XX/XX/XXXX released XX/XX/XXXX and the deposit was set for XX/XX/XXXX in the amount of XXXX and XXXX. I called Wednesday and they said my deposits in those amounts are pending to be posted the next day Thursday I called all of sudden my account was frozen with out my knowledge and never got a call from Discover said they rejected payments and it was sent back to nys dept of labor and they said they did not receive anything no rejection nothing. The bank cxl my direct deposit and now they dont know where my deposit its been over a week with no answers on my accounts that were set up via auto pay got hit with fees all of this drama.
Complaint sub-issue: Called outside of 8am-9pm

repeated phone calls on sunday. late in the evening. i always tried to make arrangements for payment and i was told it was not acceptable and i had to come up wiyh more money than i had.
Complaint sub-issue: Reporting company used your report improperly

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 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX, account name : XXXX XXXX  # XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or also states a consumer reporting agency can not furnish an 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 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 had reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A purchase was made online for product " A '', but the item was no delivered, instead a product item " B '' was sent instead, with a modified invoice without my permission or consultation. 

Vendor ignored email requests for a return shipping label, after claiming to accept returns and refunds. 

Dispute was made to citibank via secured chat, full details including product model numbers were given. But days later, citibank reversed the temporary credit after vendor claimed they delivered the product. There was no follow-up from citibank prior to this claim. I further certified that I did not received the product as ordered, but instead was met with a citibank letter detailing that I needed to obtain a written permission from vendor in order to obtain a credit refund. Despite me stating I have evidences in the 2 chat, 1 email and 2 phone calls made to citibank. They have not made any attempts to obtain them or verify them from me. 

A phone call was made to the dispute department ( XXXX answered ), here I was appalled to discover that there was no means to contact the case person in charge, that the call was no recorded, and no information from that call will even reach the dispute department., and that the department had registered my dispute wrongly as non-delivered product and had decided to listen to a one-sided story from the vendor instead of verifying or consulting me in person. 

A letter was sent via the only method to possibly ( because I do not think they read it honestly ) reach the department ( as notified by the phone rep - XXXX ). Here in this letter, I detailed all email correspondences, XXXX dispute process, chatlog, photos of product B which was delivered in stead of A, including packaging and a invoice showing what was delivered versus what I ordered. 

The case was later closed by citibank with this exact remark : " Since there is no detailed description of the merchandise or services excepted to receive, we are unable to assist you in obtaining funds from the merchant '' Citibank has presented that their dispute department is incapable of performing due dilligences in dispute cases, unable to communicate even within their own departments, and extremely unwilling to allow customer to call them out on their fails.
Complaint sub-issue: Information belongs to someone else

My information was compromised through the Equifax leak. Time frame unknown. I can not access any of the 3 big credit bureaus due to my stolen information someone has used to file for student loans, mortgages, credit cards and purchases. None of the information matches for me to access my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax/XXXX  in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.
Complaint sub-issue: Information belongs to someone else

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error XXXX my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I amemployed at XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Accounts # XXXXXXXX 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.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

My XXXX/XXXX XXXX Visa credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, XXXX and Equifax credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'suicide ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX  XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the  companies ( XXXX and XXXX XXXX ) have refused to even contact the police officer assigned to the case. XXXX  XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. 

XXXX was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, XXXX refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. 

XXXX has led us back and forth on this fraud claim even when we have tried to be diligent in our response.
Complaint sub-issue: Unable to open an account

I bought one of my relatives to US Bank to put my mothers name on my account but when I got their they told her NO we can not open or add your name to the account I told them why and they said that she was reported to XXXX XXXX and when I called them she had a clean history and we came back the next day they still refused to add my mother to my account which I own and make it easier so when I am in XXXX  she can access the funds like how joint account works
Complaint sub-issue: Their investigation did not fix an error on your report

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with XXXX 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I notices charges on my account and immediately filed a dispute with cashapp. They said the dispute was denied and I requested all the documentation that brought them to that decision and they would not send me anything despite asking over a dozen times. There are charges are my account that are not mine and were not made by me and I need cashapp to do a thorough investigation so I can finally get my money back. As I am preparing the documentation I found that this was NOT the first time that this merchant has taken money from my account, I just didn't notice it the last time it happened. I do not get any help from Cash app so I am asking for your help, please. 

All purchases from the same merchant, " XXXX '' I did not make or authorize any of these charges and I filed a timely dispute. 
XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} - refunded XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XXXX {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00}
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA CREDIT XXXX XXXX ... XXXX, NA that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.