Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

When I initially open this account my due date was on the sixth of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries made by XXXX XXXX Companies are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from equifax data breach XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date  XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXXXX/XX/XXXX The following inquires made by XXXX XXXX XXXX are fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from equifax data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from equifax data breach. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I received a letter from Citi XXXX dated XX/XX/XXXX noting my credit line would be decreased from {$12000.00} to {$2700.00} due to " Serious delinquency '' of the account. This is not accurate since the card has been paid on time and the account was completely paid off XXXX. I have had some challenges this year but have managed to keep this account managed and paid in full. I tried to resolve through the Better Business Bureau however Citi will not address this issue and only wants me to re-apply for a credit limit they reduced for inaccurate reasons ( as well as further damaging my credit score in re-application process with an additional hit on my credit ). Since they are not replying to the XXXX   complaint with reasons for inaccurately noting my account had " Serious delinquency '', I think this may have been an act of discrimination on the part of Citibank and that is why they are not addressing the real reason they took away my credit for inappropriate reasons. This reduction by Citi Cards removing the available balance significantly affects my business plans since I planned to use that card to help grow my business in XXXX. I have worked very hard over the decades to grow my credit and have several accounts with Citi Cards, this one is the most important to me since I established a credit line that gives me security and the ability to grow my business. By drastically reducing my credit line Citi has hurt my personal credit report and credit score as well as negatively affected my future business plans. If this is how Citi plans to treat me on a year in which I have had challenges but have overcome them to pay off this account in XXXX of this year, I will always remember Citi as the company that let me down after decades of giving them business and I will then plan my future credit plans without using Citi for any of my personal, family or business needs. Note : I am not interested in reapplying for credit when I had already spent decades establishing this account credit before Citi drastically reduced the account signally they no longer valued my business.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Complaint sub-issue: Old information reappears or never goes away

Upon reviewing my credit report, I noticed an outstanding balance of {$170.00} from a Brooks Brothers store charge card issued by Citibank NA and closed on XX/XX/2015. I contacted Citibank in an attempt to resolve the matter. I asked to see my final statement in order to review the balance, but Citibank refused to provide it. I was told that the account is a " dead file '' and no further information could be provided. Nonetheless, I offered to make a payment in full as long as I would receive a prompt acknowledgement. However, the associate told me that a payment could only be accepted by mail and it could take up to 90 days to process, which I found unacceptable. Clearing up the derogatory information on my credit report is an urgent matter for me.
Complaint sub-issue: Account information incorrect

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
Complaint sub-issue: Account information incorrect

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

VIOLATES HIPPA AND CRA
Complaint sub-issue: Fee problem

Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions
Complaint sub-issue: Information belongs to someone else

repoorting hippa violation XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed some unauthorized inquiries on my credit report accorded to the FCRA these are unverified and unauthorized items and I would like them to be removed from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I disputed late payments on my credit report that was placed by XXXX  XXXX auto, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX  XXXX auto
Complaint sub-issue: Deposits and withdrawals

I am a XXXX XXXX XXXX. I use several software platforms to manage my business and transfer money and neither are able to connect to PNC Bank. I also try transferring money to my own accounts and that is a problem. The software that I am most feed up with not working is : 1. XXXX XXXX 2. XXXX XXXX XXXX   This needs fixed asap. 

Thanks
Complaint sub-issue: Account status incorrect

on XXXX, i made a purchase at conns home plus in XXXX, nm. i opened an in house credit account. i took the items back home to california at which time i tried to install the sound bar and subwoofer. i tried as per the instructions, called XXXX tech support and we tried to get the sound to work for over 3.5 hrs to no avail. i was told i had 2 options, i could either return for another system or return for a full refund because i was within the 30 day period. i called conns in XXXX and was told that i would be charge a 15 % restocking fee, i argued this because they would n't have to restock the system because it was defective. they gave me the run around for over a week at which time i filed a complaint with the XXXX texas bbb. i was then contacted by the district manager who in turn authorized the return without a restocking fee. i returned the merchandise and was given a receipt with a XXXX balance and they were suppose to close off the account! there were two other items on the original ticket so they opened another account for these other items. i had made a {$150.00} payment on the original account prior to the return and was told that a refund would be issued to the same credit card, i waited two weeks and no refund, i called and was told a paper check would be issued and mailed. again i waited for two weeks and nothing! i called again and inquired about the {$150.00} refund and i was told that it was applied to the new account. i was never notified regarding this, so i called a different dept and was told no credit was issued. i called the customer service dept and was told no refund, there was no {$150.00} payment or credit. i called my credit card co. and filed a dispute for the {$150.00} inXX/XX/XXXX after their investigation i was issued a final credit from my bank for the {$150.00} in XX/XX/XXXX. so after my bank took the {$150.00}, now conns is saying i owe them the {$150.00} and has reported me to the credit bureas as being over 30 days late. they never issued a credit to me or to the new account and now they violating my rights to contract according to the ftc
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : 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 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
Complaint sub-issue: Attempted to collect wrong amount

AFNI CONTINUALLY TRIES TO COLLECT A DEBT THE XXXX HAS STATED I DO NOT OWE I HAVE MADE THIS PLEASE OVER 6 TIMES FOR VALIDATION FOR 2 YEARS AND NO RESPONSE/XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  : ( XXXX United States ) XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX  : ( XXXX  United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX   XXXX XXXX, PA XXXX Date : XX/XX/2016 AFNI RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, XXXX, Equifax  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Complaint sub-issue: Problem accessing account

I was trying to link my pnc back account to a payday loan app called XXXX  but the app saying it cant connect my bank account due to pnc having somekind of spyware that wont let it connect to my account even after me giving the app permission
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and 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
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XX/XX/XXXX Credit Dispute XX/XX/XXXX Credit Dispute : Acima Merchant On XX/XX/XXXX A lease agreement was signed for XXXX. Payments were made to the merchant and though the epidemic of Covid 19 I endured hardship and struggled to stay afloat. However, I continued to make my payments and consistent as possible. Toward the end of the last few months of my lease Acima reported XX/XX/XXXX balance {$810.00} Paid XXXX XX/XX/XXXX while taking my payment and seems to have created many inconsistences around the time I attempted to settle in full of good faith. 

Exhibit D which contradicts Exhibit C payment history. XXXX was reported and reflected with {$160.00} balance and paid {$440.00} on XX/XX/XXXX which contradicts Exhibit C payment history from my banks. 

In the month of XX/XX/XXXX, I logged into the portal and clicked on purchase lease which would allow me to pay it off and be set complete. Mind you as I was struggling, I just wanted worry about owing any other monies and with good faith completed my lease in full. 10 days ( about 1 and a half weeks ) later I received an email saying I stilled owed monies so I called in on XX/XX/XXXX and had a lengthy conversation with representative and he insisted I owed more monies ; I asked the amount which he explained to me {$160.00} and that would wrap up my lease in which I paid again. 



The following week I received a text message that an ACH draft of XXXX was completed out of my XXXX  XXXX XXXX account. I was not very please but I choose to let it go and hope that even if it were extra money taken out, I would surely be completely paid off. Mind you, I had every intention of paying in full however with the misleading of the amount owed and multiple times trying to set complete I was completely frustrated while dealing with trying to keep my lights on and food to feed my kids. I have enclosed print out of payments to confirm my statements, lease contract and the printout of the reports done by Acima. 



Prior to this I have made several attempts to make this amicable. All attempts have fails dispute this being the 4th lease that I had back-to-back in which case I paid all in full and never had an issue prior to this incident. 



I disputed this with XXXX Report number XXXX. Spoke to XXXX on XX/XX/XXXX they could only go based on what the merchant says and recommended me to go to higher level to rectify this. 



On XX/XX/XXXX XXXX sent me an email saying my dispute results were that it remained. 

I XXXX XXXX with good faith have and paid them in full and the collections and late mark are wrong, and I would like this removed from my credit. It has been a hard year for my family via COVID 19 and we have struggled tremendously but I assure you that the merchant has not had an empathy and more so after my good faith and ethical actions of paying them they have impacted my credit and have hurt me on top of the recovery from this epidemic. All I ask is to make this right and hope for your decision to be in my favor. 





Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}