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

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected. 

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late XXXX and is planning to purchase a new residential condominium for herself and her XXXX minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX ~ on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX XXXX attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX XXXX belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX XXXX card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB may suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Complaint sub-issue: Account status incorrect

The below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form also the IRS defines a charge off as a gross or ordinary income. Income can not be reported on a consumer report FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ). This is a defamation of my character and a violation of the law 15 USC 1681eb and because of that, these accounts are inaccurate and has to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX Equifax and XXXX credit report. XXXX XXXX has sent Equifax and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and Equifax credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX Banks XXXX XXXX, XXXX XXXX XXXX, Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but Equifax and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with Equifax and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.
Complaint sub-issue: Frequent or repeated calls

Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Complaint sub-issue: Account status incorrect

XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my credit score on   XXXX   XXXX   XXXX   XXXX   credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
Complaint sub-issue: Information belongs to someone else

I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX
Complaint sub-issue: Problem with customer service

I mislaid my credit card. I called the credit card company to report it and customer service was closed. The automated system said they would close my account and start a new account with new numbers. 

Since I have a promotional balance that is due next month, I dont know how that will affect it.
Complaint sub-issue: Old information reappears or never goes away

On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to Equifax and XXXX. XXXX ref # XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
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. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Complaint sub-issue: Account information incorrect

I left XXXX for another phone provider, while doing so I had a payoff amount for the phone I had at the time of about {$190.00}. Rather than return the phone to XXXX I chose to payoff the device to use with the new provider. This dollar amount was verified multiple times, with XXXX  over the phone as well as on my acct app, to be correct. However, after closing my account they decided to charge me about {$900.00}. After speaking with multiple representatives they all refused to honor the original device payoff. Then after XXXX  collections harassing me for months, they called me and told me they were no longer going to pursue this due to them realizing/ finding the proper paperwork showing what I actually owed. Collection attempts stopped for over 2 years and now they are again trying to get the $ XXXX dollars and reflecting that to my credit report. During every interaction with XXXX and their debt collectors, I have offered to pay what I truly owed and was only offered to pay that amount as a settlement. I declined this as I do not want a settlement/ not paid in full acct on my credit report when that is not the case. 

Furthermore, I have reached out to the new debt collector, XXXX. XXXX, XXXX, who can not even locate any information saying I owe l anything which leaves me no avenue with the company falsely reporting to my credit report to even attempt to correct it with said company.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.
Complaint sub-issue: Information belongs to someone else

There are numerous accounts lists on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.
Complaint sub-issue: Their investigation did not fix an error on your report

My personal information was compromised in an equifax data breach. Shortly after, I noticed several hard inquiries that were not authorized by myself and are Fraudulent.I 've initiated a dispute with equifax, I've submitted FTC report along with the supporting documentation to equifax as well as placed a security freeze on the account. Equifax has still refused to remove the hard inquiries. The accounts are ... 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I noticed a collection notice from ERC on behalf of XXXX XXXX XXXX for {$2900.00}, this is incorrect and I would like it disputed. I disputed the same issues with another company in the past and it was removed. ERC has not been helpful in removing this or verifying any details to prove that I owe this debt.
Complaint sub-issue: Information is not mine

The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There has been addresses that I never lived at being put on my credit report. I have been disputing this for over 4 years now. I filed a complaint with CFPB and you contacted Equifax. One of the things your website suggests is that I contact the company, or persons submitting the wrong information to get this corrected. I contacted Equifax and they gave me the run around. I contacted CFPB again, about being given the run around, and that Equifax will not give me the information, and another letter was sent to Equifax. Today I received a letter in the mail from Equifax stating that the information that I provided does not match their records. Again they want a copy of my birth certificate, pay stub with SS # on it, SS card, driver 's license, mortgage statement and utility bill. This is just a game they are playing and giving me the run around again. I am not giving them this information. They have all my information and I want the information as to who is giving them the incorrect addresses for me so I can contact them to correct it and put a stop to it. If I don't receive this information in 2 weeks I am contacting my lawyer to take this further.
Complaint sub-issue: Problem lowering your monthly payments

On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. 

so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. 

I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. 

I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. 

I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. 

They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. 

This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. 

I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.
Complaint sub-issue: Fee problem

I'm extremely disappointed that Citi was unwilling to waive two $ 25 monthly fees ( XXXX and XXXX ) incurred due to the checking account dipping below a certain balance limit. Given how much I use the Citi credit card and how much money the bank made off the purchases fees, it's greedy beyond a reasonable level to take money out of people 's banking accounts for minor issues. I'm contemplating on closing all the accounts once for all and switch to XXXX for good.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Company closed your account

I logged online to Citibank Diamond Card. I have a been a long time customer of this company since XXXX. When the pandemic started the company lowered our credit limit to right above what was owed on the credit card. This affected our credit score because it was showing that my credit card utilization was at 97-98 %. We struggled when Covid hit, to make payments. We reached out to the company and made payment arrangements. The latest a payment had been was 60 days late. We brought the account current and made payment arrangements and took advantage of the assistance being offered. When the last payment arrangement was made on XX/XX/XXXX everything looked good. On XX/XX/XXXX the company closed our account without our knowledge. We still not received any notification. Citi Bank confirmed our mailing address. We still have not received notification for the limit decrease or notification of cancellation. Our credit cards happened to expire on XX/XX/XXXX and no new credit cards had been mailed out or issued in their system. I believe they had planned to cancel the card prior to XX/XX/XXXX since no new cards had been issued. We also paid for additional services on this credit card. This protection was supposed to help with any type of job loss etc and assist with payments or debt forgivness. We paid for this service for 11 years and they were unwilling to assist us even after we called and let them know it was due to job loss. I reached customer service by telephone and after many painful conversations with the intial customer service reps, I finally was transferred to a supervisor. Let me just say its absurd how rude these intital customer service reps are who answer the phone calls. They were insulting and rude customer service people unwilling to help and told me I had to wait for my letter for reason of cancellation before they could assist me. I find this completely rude and unprofessional and were unwilling to help. I had one customer service person who refused to transfer me to a supervisor and said my husband must be on the phone with me prior to transferring the phone call only to wait another 30 min for a supervisor. I still do not have an answer for the reason my card was canceled. I cant believe that this company is so unforgiving at the time of a major pandemic, resulting in a ruined credit score that will take years to repair.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX