Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

Responses from both XXXX and Equifax indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that XXXX and Equifax respond with a similar action and response.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several written disputes with the credit agency notifying them of   XXXX   XXXX   XXXX   attempts to report fraudulent information.   XXXX   XXXX   XXXX   is stating that I owe   XXXX   XXXX   XXXX   {$670.00}. This information is false. I have never had a account with   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and   XXXX   XXXX   XXXX   requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from   XXXX   XXXX   XXXX   authorizing   XXXX   XXXX   XXXX   to collect the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following section 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing the dates within the credit file are correct   XXXX   XXXX   XXXX   has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Complaint sub-issue: Deposits and withdrawals

My debit card have been stolen on XX/XX/XXXX middle of the night & a XXXX $ At XXXX & XXXX $ At XXXX Withdrawal out of my account and on XX/XX/XXXX a XXXX $ withdrawal at XXXX and a cgt debit transfer XXXX was transferred out my account, all my money was stolen from this male name XXXX XXXX on XXXX  when he came to meet my sister at my hotel XX/XX/XXXX going on XXXX when i realize my card was gone
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2022 my account was revised and decreased to XXXX after I made a XXXX payment on my balance XX/XX/2022. I also never had a late payment. Also the decrease makes my utilization very high.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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: Credit card company won't work with you while you're going through financial hardship

Due to unexpected expenses, attempting to manage a tax bill that was beyond my means, I began to miss payments on my credit cards in XXXX. In this case, my MACYS credit card, I missed XXXX, XXXX and XXXX payments. This caused ensuing fees as well as a rising minimum balance. I informed the bank of my inability to pay and the reasons during this time. I did not avail myself of the ability to close the account. I wanted to make the payments and restore my credit. I started paying in XXXX. XXXX paid XXXX. XXXX paid XXXX. XXXX scheduled to pay {$150.00}. Because of the current COVID crisis I could not pay on my due date which was XX/XX/XXXX. I asked if I could have eleven days extension and maybe waive late fees. And pay by the XXXX. They said there was no extensions, no waiving of fees. I would just have to miss payment deadline with all the resulting consequences. I scheduled the payment anyway. In the interim my account was closed after the closing date. Because despite my previous payments I was still considered 4 months past due. 
When I called to discuss the closing of my account and I reiterated the issues over the last few months and I referred back to my conversation regarding XXXX 's payment AND they were aware of my upcoming XXXX payment. They said my account was still closed because I was overdue. All of my other credit card banks have worked with me, with even larger debt and I am slowly becoming current on their balances. MACYS/Citibank did nothing to help me during my own financial crisis except tell me pay or close your account or you become more delinquent. Even in face of the many financial challenges of the COVID crisis they weren't willing to suspend action on my account for 11 days when my {$150.00} would have put me less than 4 months past due. I had a spotless payment record prior to XXXX. A record that every other bank recognized in understanding my current crisis. I received no regard from MACYS/Citibank. So I want to bring attention to their total lack of assistance or empathy or even regard for my previous business in dealing with my financial struggle. Lastly, I will say I had no intention of closing my account or remaining in delinquency. I planned on returning to solvency and continuing my business with MACYS/Citibank. They had no interest in that. They just wanted their payments regardless of my situation.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at Home Depot, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

Home Depot and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Don't want a card provided by your employer or the government

I can not reach US Bank thru their reliacard telephone number nor do they have proper resources online to file a fraud complaint. I did not file for unemployment and have filed cases with XXXX, FTC, local police, and all credit reporting agencies. Yet I still received a US Bank Reliacard. When I attempt to close the account and report it as fraud I get the run-around. It should be a very easy process to report fraud. When I call their XXXX # it says they are too busy to speak with me due to call volumes and then it just hangs up on me. Doesn't even give me the opportunity to sit on hold. This needs to be investigated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

15 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: Fraudulent loan

On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Texas that I was being served with a Writ of Execution for Cause No. XXXX Educap Inc, vs. XXXX XXXX. I informed the deputy that I never applied for any private student loan. I received my XXXX XXXX from XXXX XXXX in XXXX of XXXX. I then went back to school XXXX  with XXXX University from XX/XX/XXXX- XX/XX/XXXX for my XXXX XXXX. I received Financial Aid Pell grants and Subsidized and Unsubsidized loans for my education and I have never applied for private loan with Educap , Inc. This loan was done without my authorization and I DO NOT owe this debt. I am respectfully requesting assistance with this matter as clearly it is a case of Identity Theft. I have attached my Pell Grant and XXXX  Student Loan information proving my financial assistance with FASFA not through private loans. The attorneys on file for this court matter that were hired by EDUCAP are the following : XXXX XXXX, XXXX. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Complaint sub-issue: Public record

I had XXXX IRS tax liens filed in XX/XX/XXXX and XX/XX/XXXX in the amounts of {$130000.00} and {$87000.00}. They were released in XX/XX/XXXX. The were WITHDRAWN XX/XX/XXXX. Equifax began to report a lien of {$13000.00}, as a XXXX lien, in XXXX XXXX. At various times they have reported this non-existent lien twice, duplicated, so a total of XXXX. I have filed 14 disputes since XXXX/XXXX/XXXX. Recently, they changed the {$13000.00} to {$13000.00}, and are reporting it twice. This lien has never existed. Equifax continues to state that they have contacted XXXX County North Carolina and verified these liens. This is a blatant lie. It is not done electronically, they have to send someone there physically to the Superior Court office to pull the records. I have attached the XXXX WITHDRAWALS for the REAL liens, so they should NEVER be reported again. I have attached a letter from the XXXX Superior Court Clerk that clearly states that the XXXX REAL liens are the ONLY liens that were ever filed. There has never ever been any lien filed for {$13000.00} or {$13000.00} or or any other amount than {$130000.00} and {$87000.00}, NEVER, EVER! And the real liens have been WITHDRAWN, in IRS parlance that means it is as if they never existed. 
Please help me to force Equifax to cease and desist reporting ANY IRS tax liens on my credit report. I have disputed their various iterations of this reporting 14 times!! since XX/XX/XXXX. Enough is enough. 
Thank You Sincerely XXXX XXXX
Complaint sub-issue: Personal information incorrect

I began the process of buying a new home on XX/XX/2022. On XXXX XXXX, my mortgage lender contacted me to say there was a lock on my Equifax credit information. I promptly contacted Equifax and they said the lock was lifted. The mortgage company still could not access the information. After several phone calls, I was told I needed to submit proof of identity and on XXXX XXXX I faxed the requested documentation to Equifax. I was told it would take five days for them to resolve the issue. I called them on XXXX XXXX to check the status and was told they had not seen the fax and to check back in another 5 days. I called again on XXXX XXXX and was told there was a flag on my information and directed to another part of Equifax to fix the problem. The new office said they saw nothing wrong. We reviewed all my information and everything appeared correct but my mortgage company still could not access the information. I had attempted several times to log into the Equifax website but had problems establishing the account. Finally on XXXX XXXX, I was able to reach a tech person who was able to establish an online account for me. Once I gained access to my online information, I discovered that my birthdate was listed incorrectly. I was told if I subscribed to their Equifax ID Patrol program that I could get my dispute resolved quickly. I did so and submitted the required documentation to show my correct date of birth. The website response was that resolution would take up to 30 days. We are scheduled for closing on the new home on XXXX XXXX and will not be able to do that without my lender having access to my Equifax information. I risk losing the house along with the money already paid for appraisal, home inspection and pest inspection, totaling more than {$1000.00}. I have repeatedly been given incorrect or misleading information by Equifax and it is potentially can cost me the home I want to purchase.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.
Complaint sub-issue: Can't close your account

On XXXX  I closed a secure credit card account with CITI Credit Card. On XX/XX/2019 a balance of XXXX was debited from my bank account, showing a XXXX balance on the CITI Card account. They said that the card account would be completely closed 21 days after the initial closing date ( XX/XX/2019 ) to cover any usage and/or balance on the account. Which makes no sense. Their records as well as mine show no balance and the account is closed. The card is not usable, therefore there ca be no purchases.They also told me that it would be 100 days before my secured card deposit is returned in the form of a check. This is disturbing and makes no credible sense. I asked why are they holding my deposit. Their answer was unsatisfactory. All help is this matter is greatly appreciated. Thank you for attention to this instant matter.
Complaint sub-issue: Need information about your loan balance or loan terms

In XX/XX/XXXX I applied for PSLF. I was placed in this program and my loans were all moved from XXXX to FedLoans. I made 40 payments from XX/XX/XXXX through that time. However, those payments have not been applied towards my number of qualifying payments. I have called customer service for the PSLF program and every time Ive been told that my loans are in a queue to be analyzed and decided on which payments qualify. When I first called in XX/XX/XXXX they said that sometimes it can be up to a year and to try again 3 months later. I tried in XX/XX/XXXX be they told me the same thing. In XX/XX/XXXX I submitted an employment verification form and was granted 8 months of qualifying payments ( it should have been approved, but 2 of  them were with XXXX so they must go through this review process ). After these payments were granted I called in XX/XX/XXXX to enquirer why some counted and some didnt and when my review would take place. I was again told it sometimes took a year and I pointed out that it now has been a year for my account. They couldnt explain it further. 

I called again in XX/XX/XXXX giving them almost an entire year to process my account, but still nothing has been done to verify these payments. The past time I called I went over the details with a customer service representative who even said it looks like these count, but we just need to verify them through the program. 

It has now been 2+ years, and my payments still arent verified. Please force this company to have some accountability towards this program and count my payments. Every time someone calls the most they ever do is ask for my account to be reviewed, but so far this has never accomplished anything.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX Automotive XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance , personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

My wife and I submitted a mortgage application. After a credit check, we discovered the credit bureaus sold our information as a result of the credit inquiry. We have been bombarded with calls and text from companies all over the US asking about our mortgage. This is a shock to me that the credit bureaus can sell our data. Ive written a complaint to my congressman as well. Is this a legal practice? If so, what is the federal code that allows this unethical practice? 

Regards, Very upset in the data breach XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

There are XXXX hard inquries from XXXX XXXX XXXX that are showing on my Equifax report. A authorized soft inquiry was done to open an account. On XXXX 2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my Equifax report. This is damaging my credit when I have only applied/ authorized one credit pull for one credit card. I currently have an account with XXXX XXXX XXXX and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XXXX. 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.