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

Automatic Data Processing ( ADP , LLC ), XXXX, XXXX and XXXX has violated my consumer rights In Accordance With U.S.C 15 1681. Also ; The Gramm Leach Bliley Act. There is a need to insure that consumer reporting agencies such ADP , LLC and other CRA 's adopt reasonable procedures for meeting the needs of consumers for consumer credit, personnel insurance and other information in a manner which is " Fair and Equitable '' to the consumer with regard to the confidentiality, accuracy relevancy and proper utilization of such information rather than use my information as a potential investment. Instead, ADP , LLC has been compiling files of information about me and also stating that my report has been verified. Please provide documentation of this verification that you have first hand information gleaned from my friends, family and known associates as required by law. Transactions are being sold to third parties without my explicit written or oral consent knowing that such information is supposed to represent me. This is Identity Theft by creating a profile of who I am, my credit worthiness and credit reputation. 
REF : XXXX. ADP , LLC and the CRA 's have a grave responsibility to respect my privacy, as I have the Right to not have my private property information to be reported with any financial institution, any bank or company. The Consumer reporting agencies are not appointed by congress. Therefore, their company policies do not super cede the law or my Rights. ADP , LLC and the CRA 's are in violation of my Non public private information because they have an obligation to respect the privacy of it's customers and to protect the security and confidentiality of the consumers non public private information. I did not specifically provide explicit written or verbal permission for this company to gain and have access to my non public private information with a non affiliated third parties. Furthermore, ADP , LLC or XXXX, XXXX or XXXX did not provide clearly and conspicuously ; disclosure to myself the consumer in writing or electronic form by the regulations prescribed under section USC 15 6804 or 15 USC 1681 ( k ) that I had a non disclosure option to opt out of any negative items on my report.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), 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: Reporting company used your report improperly

I've been a victim of identity theft and have been battling the effects of it for several years. I've sent police reports and identity theft affidavits to Equifax directly and through CFPB website to prove this ... I still continue to have problems with illegal/fraudulent inquiries and they refuse to remove them from my credit profile. 

The following inquiries are fraudulent and a result of identity theft : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have been trying to contact someone within Citi to help me for days. I have called multiple times and no one can resolve this issue. There was a hold up on my mortgage loan and I found out last week it was because Citi has a note in an old credit card account " Account disputed by customer ''. The XXXX bureaus all said no dispute on their end. To resolve this, I have to call Citi to get those notes removed and get a letter for my mortgage lender. I can't get my loan because Citi will not help. Citi first said, even if we could give you a letter to show there's no dispute, it would take XXXX business days by mail, we can not email or fax the letter. Then Citi said they can't help at all, there is no such letter. Then Citi said their back office may be able to help get a letter emailed to me. The letter has never came and I think that Customer Service acts like they're unsure of even what I am talking about. 

I am not disputing anything and to my knowledge, I never did. Citi has my entire life on hold because of these dispute remarks in my credit report. I worked since the end of XXXX to get a home loan and found out now, unless they send proof that there is no open dispute, which they did already verify with me by phone, I can never get a mortgage loan. I needed the letter days ago and the mortgage lender is going to close my file. I can not get Citi to send anything for me to provide to my mortgage lender. Citi knows they are holding me up and keeping me from getting a mortgage refinance that would help me greatly financially and they don't even care. It's like they are doing this intentionally to be spiteful with me.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX  XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Complaint sub-issue: Investigation took more than 30 days

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX {$7100.00} XXXX. XXXX XXXX- XXXX {$150.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2021 I discover that PNC has literally suspended all access to my present account in retaliation no just cause, simply due, for my lodging past complaints about my online account access being denied. 

To date I have no access to my account at all, I cant make deposit, no access to balances, initially since opening account in XX/XX/2021 I havent had no online access at all. 

The resolution I seek for PNC mistreatment, is all access to my account be immediately restored
Complaint sub-issue: Their investigation did not fix an error on your report

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Information belongs to someone else

The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.
Complaint sub-issue: Having problems with customer service

When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020 I sent a payment on cashapp too my husband but sent to his old account which cashapp themselves closed out months ago. It has no cashapp $ hashtag name at all, phone number, or email so how the payment was even sent is beyond me It was sent to XXXX. The payment was suppose to go to $ which cashapp stated during emails back and forth that the account was tied together with the other. 
Once payment was sent I realized that there was no recipient just XXXX and immediately contacted support and requested refund. XXXX also contacted cashapp and they stated that the transaction was cancelled and money would be sent back. On XX/XX/2020 I contacted Regions bank and informed them and asked to dispute charge. On XX/XX/2020 I disputed charge with my bank again as I had not heard anything back on the previous day of reporting. XX/XX/2020 I contacted my bank again to see what was going on. They stated Cashapp refused to return $ and the {$300.00} is valid. XXXX and I both have been nonstop emailing cashapp back and forth as they dont have a # to call they have completely stopped responding to me and they sent XXXX another email stating that refund was issued on XX/XX/2020-XX/XX/2020 that it would be returned to the sender and it has not and them stating that along with disputing my transaction with bank states they are trying to keep my {$300.00}. They have sent XXXX and I both emails saying it has been over 3 days since they have heard from either of us and closing out the case. We have emailed daily. Please help
Complaint sub-issue: Information belongs to someone else

There is a mortgage from XXXXXXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.
Complaint sub-issue: Talked to a third party about my debt

I was in a XXXX in XXXX 2013, owned by XXXX XXXX, they own most of them. During that stay, I was cursed at by the Psychiatrist, called a XXXX XXXX, who the XXXX do you think you XXXX are etc. told by the therapist I had to work on childhood issues, not the XXXX from the XXXX I had in XXXX 2013 that year. I, timely, refuted the co-insurance with XXXX, I timely disputed my treatment with UHS on site, I timely complained to the TX Insurance Fraud Board, the Medical Malpractice Board, etc. The coinsurance which is over the normal price for that particular time, remains a " closed '' account on my Credit Report. I have letters stating that XXXX was looking in to the problem and finally after two years of complaining got word back they would not remove the debt of some {$1400.00} because my XXXX XXXX stated it was owed. XXXX would not hear me, the doctors and therapists are still working there. No one cares and my credit report shows a despicable HIPAA violatoin by stating the XXXX XXXX name. The account is closed and it should be off my credit report. I have tried working with XXXX XXXX and they still refuse to, XXXX and XXXX to remove the damaging items. And XXXX still treats people like XXXX, who have XXXX problems.
Complaint sub-issue: Problem with rewards from credit card

I have a Citi Case ID given to me by XXXX with Citibank online chat on XX/XX/XXXX Citi Case Id : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried repeatedly, most recently on XX/XX/XXXX via telephone to get an update on this case. 
The issue is, I had {$21.00} in rewards points on my citi card ending in XXXX as of XX/XX/XXXX. Citibank requires a minimum redemption amount of {$25.00} to redeem the rewards. The card ending in XXXX was on a promotional balance offer of 0.99 percent for existing balances through XX/XX/XXXX with new purchases if made immediately being charged an apr of 17.99 percent. It was my intention to make new purchases after the balance transfer offer expired in XXXX to build up the rewards balance to the {$25.00} minimum threshold for redemption as if I made them during the promotional offer they would immediately start accruing interest. I am requesting that citi kindly restore the {$21.00} in rewards points so I may do so.
Complaint sub-issue: Their investigation did not fix an error on your report

i have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a violation
Complaint sub-issue: Personal information incorrect

I mailed in a dispute to Equifax CRA to dispute an inaccurate account. Equifax then responses that they could not locate my file in their database and needed to confirm my identity. The thing about it is that I sent a signed and notarized copy of my California drivers license and copy of my Social Security card along with my dispute letter. Despite their claim, they placed a pre screen opt out on my file. But they couldn't find my file though. Not sure how both of those statements could both be true. Placed an opt out on a file that they could not locate. 

So, I got another notarized copy of an updated dispute letter which contained, once again, a copy of my California drivers license and Social Security card. This time Equifax completely ignored my dispute and only sent me a copy of my report. Once I get the report I see that they have my address as " XXXX XXXX XXXX '', and my license reads " XXXX XXXXXXXX ''. I send in a dispute letter disputing the account that I was originally disputing as well as disputing the misspelled address. Equifax then sends me a letter stating that they can't find my file, again, and that my ID has to match there records. I thought that their records had to report MY information correctly, not the other way around.

It seems that I'm stuck in a catch 22 here. I need to correct the address that Equifax is reporting, but I can't dispute the incorrect address unless my address matches THEIR records even when I send in copy of my California drivers license, Social Security card, and a current credit card statement along with my dispute letter. 

Please help.
Complaint sub-issue: Debt was paid

I currently have XXXX XXXX XXXX as my cell phone provider. I have had them for almost 3 years, prior to that I had them for 4 years, with a separation of service from XX/XX/XXXX to XX/XX/XXXX. There is a debt collection for {$95.00} on my credit report. There was never a debt owed to XXXX XXXX XXXX. I have disputed this collection last year with a different collection agency with documentation that there was no debt to be collected. This was on my XXXX XXXX credit report. Now it is on my XXXX  Credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, Account # XXXX, amount {$7100.00}. I have sent Equifax a copy of Police Report and Equifax did not remove account.
Complaint sub-issue: Account status incorrect

XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX MEDICAL XXXX XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter to Equifax them to provide physical verification for an account that is being reported on my credit report, and for that item to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote a second letter requesting the same information, and the same deletion. As of today XX/XX/2020 I have still yet to receive any physical verification of this item belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the item should be deleted at once.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.
Complaint sub-issue: Can't use card to make purchases

In my attempt to assist me in rebuilding my credit, I acquired a Secured Credit card from DISCOVER. 
I gave them XXXX for my credit line and have used it since it opened some months ago. 

I recently made a XXXX Payment and my available credit showed- {$6.00} When I called the company they stated they are sending me an IRS form XXXX to review my income. 

This is a Secured Card using my own funds to charge against in order to build my credit Why they are suspending charging privileges contingent on my transcripts is beyond me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was notified by XXXX XXXX last week that there was a new inquiry on my Equifax credit report, dated XX/XX/2022. I viewed the inquiry and all that it said was " XXXX '' and the date. I contacted XXXXXXXX XXXX directly and they did not show any new accounts or recent applications for credit in their file. They then suggested that I contact Equifax. After contacting Equifax, it was still unclear who pulled my credit and for what reason. They told me that my only recourse was to submit a fraud report and they would look into it. I have not applied for any recent credit, and I did not authorize any company to pull my credit on XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Complaint sub-issue: Reporting company used your report improperly

I feel I'm a victim of 15U.S.Code 1681a ( f )