Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In  XXXX   XXXX  I applied for a car loan with  XXXX   XXXX  which has gone bankrupt and the owner has been indicted on several accounts. Without me knowing was running my credit. I contacted Credco to see who they were and why they were listed on my credit report. I was told that they were used by the dealership. I was surprised because my credit was ran several times after my purchase unbeknownst to me. The dates are as follow :  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  I need for all them to produce a signed contract which states that i gave them permission to run my credit so many times. I need the inquiries removed immediately Also  XXXX   XXXX   XXXX   XXXX  is who has my loan for the Auto I now own.     Thank you in advance
Complaint sub-issue: Problem with customer service

I think that XXXX XXXX had a security breach in there system. I have been using the same account for over two years now to pay on my daughters student loans and last week I went on to our account and was unable to log in. I contacted XXXX XXXX and they told me that I was using the incorrect username and password. I explained to them we only had the one account. They then gave me my username that I never had and I had to create a new password. Once I was able to gain access to the account I went to make a payment and all of our bank account information was gone. I contacted XXXX XXXX again and explained this to them and they told me I would need to re-enter my account info which I attempted to do but it would not allow me to do that so I called them back and they got myself and my daughter on a conference call and they told her that her account was closed due to inactivity which was under the original username and password that we have been using since we opened the account. At this point we are unable to access the account and our personal bank information is floating around somewhere in there system and now they want us to start a new account and resubmit all of our bank information again. In the mean time our loan is accumulating interest and I'm unable to make a payment. could someone PLEASE help!!!
Complaint sub-issue: Other problem getting your report or credit score

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report
Complaint sub-issue: Used obscene/profane/abusive language

I originally calle d Tek Collect to resolve my  debt. I asked to settle the debt and was told that I could not. I then asked her if I had an offer could she go to the client and see if they will accept. She said that she could. I advised her that she had told me a fib and I would call back and talk to someone else. I then spoke with  XXXX   XXXX  I tried to explain the call I had with the previous collector but he kept interrupting me to the point I could not talk so I told him  goodbye. I th en called the client  XXXX  and  XXXX   XXXX  home and offered them a settlement and they accepted it. I went Monday,  XXXX / XXXX /  XXXX  , and paid the bill. I then called  Tek Collect b ack to let them know I had paid it and spoke again with  XXXX   XXXX . I explained to him that because he would not let me talk that I went to the client myself and made a settlement payment and he then told me that I did not hear what I wanted to and that is why I was mad. I asked to have it deleted from my credit, he then told me that he did not believe I made a payment and that I was lying. I asked for his email, he would not give it to me I asked to talk to a supervisor, he told me that we were not playing that game and he refused to transfer me. I told him that he did not verify me, mini  XXXX  or tell me the call was recorded. I asked again to transfer me to a supervisor he would not. I called back four more time and was either hung up on or transferred to him.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to obtain a copy of my free annual credit report. Equifax is refusing to send me a copy. I ordered it 6 month ago and have not received it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated 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 that a consumer reporting agency can no furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

ADDRESS ON THE ATTACHMENT ITR DOES NOT BELONG TO ME
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX via XXXX INTERACT XXXX XXXX XXXX XXXX XXXX via XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with rewards from credit card

I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.
Complaint sub-issue: Their investigation did not fix an error on your report

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and Equifax and XXXX   have done nothing. 30 days have passed and I sent my second request to Equifax and XXXX  and 30 days have passed again and Equifax and XXXX has again done nothing which is why I decided to come here for help, please help me.
Complaint sub-issue: Account information incorrect

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Complaint sub-issue: Account information incorrect

upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX. XXXX  account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. XXXX XXXX, and XXXX have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Account status incorrect

I have been having a problem with XXXX XXXX XXXX since XXXX of this year. On XX/XX/2020 I made a {$75.00} payment to my account via my bank -- XXXX. The payment was made to the wrong account. My account # is XXXX XXXX XXXX XXXX. The payment was made to XXXX XXXX XXXX XXXX. I have spoken with them twice. Once in XXXX and once in XXXX. Both times they assured me that they corrected the problem, refunded any fees or late charges, and as a result, I had a credit balance. 

I have not used the card since XXXX, yet I keep getting collections calls, my balance keeps increasing, I keep getting charged fees, the {$75.00} has never been applied to my account and now I am being reported as delinquent which has greatly affected my credit score.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, I was the victim of a so-called " Gift Card '' scam from people pretending to be with XXXX Technical Support. As part of the process of the scam, they got me to charge at total of {$10000.00} on three credit cards : {$3000.00} to XXXX XXXX Visa, {$4000.00} to Shop Your Way ( Citi ) MasterCard, and {$3000.00} to Best Buy ( Citi ) Visa to purchase XXXX and Best Buy Gift Cards and give them the numbers. I have contacted the card holders. Only XXXX XXXX has been responsive. They have temporarily put {$3000.00} back into my account, although it is on hold pending their investigation. Citi has said they are not responsible for refunding my money because it resulted from a scam, not a lost card or fraudulent use of my card. I am hoping you can help me get my money back from Citi. I realize now how stupid I was to fall for this, but I am now on the hook for at least {$7000.00}. Please see the attached report I filed with the Federal Trade Commission for more details on this scam.
Complaint sub-issue: Debt is not yours

On XX/XX/2021 I requested Discover Bank to provide all requested documentation pursuant to 15 USC 1692 ( g ) ( a ), 15 USC 1692 ( g ) ( a ) ( 1 ) ,15 USC 1692 ( g ) ( a ) ( 2 ), 15 USC 1692 ( g ) ( a ) ( 3 ), 15 USC 1692 ( g ) ( a ) ( 4 ) and 15 USC 1692 ( g ) ( a ) ( 5 ). I am disputing the validityof this alleged debt.

I am requesting the name and address of the original creditor pertaining to this alleged debt. I am also requesting copies of a signed contract with Discover Bank pertaining to this alleged debt. 

As of XX/XX/2021 Discover Bank has still not provided all requested documentation. 

If all of the requested documentationis not provided I will be taking legal action against Discover Bank and XXXX, XXXX  & XXXX for the continued violations of my consumer rights, continuedattempts to violate my U.S. Constitution IV Amendment rights and harassment. 

I do require Discover Bank to satisfy these demands immediately.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to properly secure my information. An unknown amount of my data may have been leaked to an unknown third party. The suggested solution was that equifax provide one year credit monitoring through one of the subsidiaries. That is not a proper solution.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to get my free annual credit report from Equifax on XX/XX/2018 which is more than one year from the last report. I have tried using every web browser but I can not get this report, I am told that I would have to mail a substantial number of documents to them rather than receive the free report available online from the other report agencies.
Complaint sub-issue: Information belongs to someone else

Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$7900.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I 'm sending this complaint to Equifax on behalf of the XXXX accounts that are suppose to be removed from my credit report as of XXXX XXXX, XXXX XXXX Please see the CFPB XXXX XXXX XXXX. I spoke with XXXX XXXX with the XXXX loans company and he stated that the request has been sent. Equifax is the only credit reporting company that still have these accounts on my report. This accounts are hindering me obtaining any type of credit to establish life after hurricane XXXX. Please see the CFPB XXXX XXXX attachment for my complaint and their response. Please see that i sent a Validation request and that is the reason why i sent the complaint to CFPB because they did not answer my XXXX, but someone signed off on the certified.
Complaint sub-issue: Their investigation did not fix an error on your report

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$7100.00} CITI XXXX Balance {$10000.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}
Complaint sub-issue: Reporting company used your report improperly

Alerted on XX/XX/XXXX that my personal information could have been affected by the Equifax data breach.
Complaint sub-issue: Company closed your account

first was my account was false about me having late payment history on my secure card with citi, so after citi received my filed claimed, my other card with citi Bank which was a unsecure credit card with an amount of {$3500.00} limit was lowered to {$900.00} for no given reason when i contact Citi card bank they said they can do this if they want at any time so now they have closed my unsecured account for no reason, so now I want to filed a complaint for unjustified and retaliation because of my previous complaint filed with CFBP, PS I have never been late on this account
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to 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: Public record information inaccurate

I applied for a personal loan online with XXXX, XXXX on XXXX XXXX I was denied the loan stating I had several judgement, IRS tax liens and three garnishments against me using XXXX. I stated to her that was not to and inaccurate information. Mrs. XXXX ( loan officer at XXXX XXXX  ) stated this was true from their background check with Lexia Nexis Company Full Disclosure, located in XXXX XXXX XXXX, XXXX GA XXXX. I contact the company on XX/XX/2021. I was asked a series of questions to identify me in there system. I spoke to operator XXXX and he also stated that I had several judgement, IRS tax liens and XXXX garnishments against me. I asked him did they have the correct spelling to my name XXXX XXXX. He stated yes, once again I stated to him this is incorrect. I contact all three credit companies and asked for and annual credit report since I have never received on in the past. I also contact by business attorney who is handling my business affairs as well. We both in returned contact the City of XXXXXXXX Courts, department of Taxation. Spoke with all parties and went over my credit report history. Nothing is showing with this information, I am current with all my open account no judgement, garnishment or tax liens. I contact the loan officer back and discovered I was being turned down due to my XXXX  background. I am a XXXX business owner, asking for a start up investment.
Complaint sub-issue: Account status incorrect

XXXX XXXX bank told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXXXXXX bank had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXXXXXX bank but they have yet to correct the information on my consumer repoort.