Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Report improperly shared by CRC

I have been seeing inquiries the past few weeks and I have not made any inquiries. Please delete them from my report XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX : :XXXX Show Details XXXX/XXXX/16 XXXX : :XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 I have tried to get Equifax to do this but I do n't get a response and just less than 4 weeks ago I had XXXX inquires. I do n't know how this keeps going on but this is really messing with myy financial livelihood. Please just get the inquiries removed
Complaint sub-issue: Reporting company used your report improperly

my Credit Card Score got down starting of XX/XX/2022. I suppose the cause is the inquiries
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I sent a debt validation letter to Pro-Collect. They sent back a document that did not verify the debt and they are refusing to remove the collection account from my credit reports. This company is not a licensed business in the state of Mississippi so according to the Mississippi laws, they are illegally operating. The debt has surpassed the Statute of Limitations. I have never signed any agreement with this company or any company granting permission to pro-collect to collect any money from me. I do not owe pro-collect XXXX nor do I owe it to the Original Creditor. In reading the original contract the original creditor stated that all money owed is to be paid to them and NOT A THIRD-PARTY NEITHER DOES IT SPECIFICALLY LIST PRO-COLLECT. I reported pro-collect to the Mississippi Attorney General for illegally operating a business without registering it nor paying the state of Mississippi taxes. I also reported this company to the XXXX XXXX XXXX. This company has 30 Days to remove from my credit report or I will file a lawsuit in XXXX XXXX MS XXXX XXXX XXXX by XX/XX/2021.
Complaint sub-issue: Didn't receive enough information to verify debt

on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX XXXX explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.
Complaint sub-issue: Problem with fees

I received my citicard statement and noticed that the previous month 's balance had not been paid. I checked my checking account statement and saw that a payment had not been made for the previous month. I called citicard that I did not recall receiving the credit card statement. I told them that I would pay the entire balance but would like the {$25.00} late charge refunded. I was told that the computer said that I was not eligible for a refund. When I asked why, they would not tell me. Only that the system said I was not eligible. I had never been late before. I had always paid my balance in full, which may have been the problem in that they did n't make enough money on me. However, I feel that I was owed an explanation as to why my request for the refund was denied. I understand that a company will generally refund a late fee one time. Since they refused to tell me why my request was denied, I have no way of knowing the basis for the discrimination in my case. I have since paid the card balance in full and my card has been cancelled.
Complaint sub-issue: Can't temporarily postpone payments

I have XXXX Sallie Mae loans. I just finished school in XXXX and now they are constantly wanting money. They told me they do not have the same plans as Federal Student Loans. I do not have a job, yet. Usually, they wait 6 months after school. Sallie Mae did not even wait a month. Then, they made me pay late payments when I do not have a job. They told me they had no income driven plans. So, now I have to do forbearance with a rate of interest 10.25 % which is ridiculous. I have XXXX Sallie Mae loans when I looked at the total interest, I nearly passed out. On XXXX loans, they want to charge me XXXX dollars. The total I took out together was XXXX dollars ... XXXX is interest is highway robbery.
Complaint sub-issue: Information belongs to someone else

Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilSep XXXX
Complaint sub-issue: Account information incorrect

To Whom it May Concern, I have a dispute with Fedloan Servicing regarding incorrect reporting on my student loan accounts to credit reporting bureaus. I have a general forbearance that has been applied to my account ; however, this information has not been updated accurately and there is still a 90 day late payment listed for each of the accounts. Given that this has not been updated after conducting the dispute process with each of the credit bureaus, Fedloan Serving is in violation of FCRA 623 " Fair Credit Reporting Act ''. Since the dates of my general forbearance include the late payment mark, these should be removed to reflect the most up-to-date and accurate information on all accounts. Therefore, I demand that in order to become compliant with FCRA 623, Fedloan Servicing updates and submits the correct information to all three credit bureaus which results in 1 ) all accounts being up to date for the period of the forbearance and 2 ) removal of late payments on the account that are during the time period of the general forbearance.

I request that I receive a response no later than 15 days after the receipt of this complaint.
Complaint sub-issue: Public record information inaccurate

SOMEONE IN THE XXXX  AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE XXXX AREA.
Complaint sub-issue: Can't use card to make purchases

This is the third day in a row where I have not been able to use my Citi Card due to their overzealous fraud department. I have called them and they have said the card would become active and I could use it, only for it to ONCE AGAIN be flagged for fraud ( sometimes on the exact same transaction that they said would be OK to use the card on ). This is unacceptable. Either let me use my card or prepare for a lawsuit as this is verging on discrimination at this point.
Complaint sub-issue: Debt is not mine

Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me.
Complaint sub-issue: Other problem getting your report or credit score

I have tried calling Equifax regarding this issue. But there seems to be a serious bug. My updated electronic report has not been available from equifax online for nearly two months. My bank has attempted to view my report for mortgage and I also have tried through the online service that I pay for. I continue to get error messages stating that my report is either unavailable or two new to generate a score. I know i have had credit for over 20 years. something is terribly wrong. I even received a call from experience stating that they tried pulling all three of my reports in order to update my subscription for credit monitoring, but that my equifax report was producing an error. I have no problem receiving a manual hard copy of my report, but i am unable to receive an electronic report via my lender, credit monitoring agencies, or directly. 

I need equifax to look into this matter again for the third time and reset my report. Thats the best way I can describe it is i need them to reset my report. my credit card companies are not able to give me a refresh of my monthly equifax score due to this unexplained error. 

I logged into the equifax trueidenty data help and still unsuccessful with obtaining an updated report and or score. There is an unexplained Error that restricts this info. It 's not a fraud alert or credit freeze. It is a credit release or view error. I called equifax and was told that I should have lenders call them and use the business side of request. This is an unexplained process and I should not be limited from services that I pay for or request when it comes to my report and score.
Complaint sub-issue: Information belongs to someone else

I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.
Complaint sub-issue: Account status incorrect

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Cash app has made payments that I did not authorized yesterday they done it and I got that money back and now again today {$110.00} to some place called limitless group I've never even heard of them I didn't know the last one either I really want my money put back in my account {$110.00} is a lot of money to take for something you've never even heard of
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS REPORTING A COLLECTION ACCOUNT THAT IS NOT ACCURATE OR MINE. PLEASE REMOVE THE CCS COLLECTION ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 
*** PLEASE BE ADVISED*** According to the law 15 U.S. CODE 1681 ( A ) ( 1.A ) Any account being disputed must be removed while under investigation. 

If your fail to follow this law it is an {$1000.00} violation.
Complaint sub-issue: Reinserted previously deleted info

Reinserted previously deleted information showing on my Equifax report. Reporting account XXXX, have no balance in should not show on report once it was removed now reinserted on my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A law firm charged my Citi Double Cash card {$1500.00} onXX/XX/2021. This charge was completely unauthorized. I disputed the charge. The law firm submitted 23 pages of documentation to Citi. I had extensive conversations with this attorney but never agreed to hire her or pay them {$1500.00}. Nowhere in those 23 pages could they show that I authorized any type of charge to my card. Above that, they could not even show that I HIRED the attorney. You file out a retainer agreement when you hire attorney. Not only did I not authorize the charge, I never agreed to hire the attorney. Citi Bank then put a negative mark on my credit bureau report and Macy 's closed my Amex card. Citi then closed my 2 credit cards. Over a completely UNAUTHORIZED charge. They gave the merchant the chance to show authorization but the merchant couldn't even come close to showing that. They couldn't even show that I agreed to hire them. Citi Bank 's practices are abusive and predatory.
Complaint sub-issue: Information belongs to someone else

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXX  ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX I do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also
Complaint sub-issue: Deposits and withdrawals

On or about XX/XX/2022, Citi Bank froze all my accounts. This was first reported under Case # XXXX. In response to my CFPB complaint, Citi sent a letter ( Reference # XXXX ) dated XX/XX/2022 acknowledging that these funds were frozen and that the case was under review. As of today 's date ( XX/XX/2022 ) these funds are still frozen, creating great hardship for me. 

I have subsequently learned that specific funds are exempt from any and all bank actions to freeze funds. Specifically, exempted funds are Social Security deposits, Federal and State tax refunds, and all funds from private retirement accounts. 

Even a casual glance at my several accounts -- checking and saving -- shows that all of the funds come from monthly Social Security payments for me and my minor children, and from my private retirement account. Consequently, Citi has been and continues to be in violation of existing laws protecting such funds. 

All attempts to resolve this matter have been rejected with arrogance and disdain from Citi Bank, even though I was a customer for more than 25 years.
Complaint sub-issue: Deposits and withdrawals

I opened a citi bank account on XXXX, submitted my paystub to verify my account on XX/XX/XXXX ( documented in my email ). Citi then locked my account ( can't access my money ) and said they never received my document. This was on XX/XX/XXXX. I resubmitted my documents, and the email says approval within XXXX days. It is currently the XXXX, which is more than the days in the email. I have called them multiple times, but to no avail because they always say it's another department that reviews these documents. As of now, 90 % of my money is in that account and I need to pay my bills soon.
Complaint sub-issue: Account status incorrect

My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had my id and ss stolen and i called the police first then i called the credit company 's Equifax XXXX and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well XXXX said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called Equifax they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help
Complaint sub-issue: Account status incorrect

The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.
Complaint sub-issue: Account information incorrect

i notice inaccurate and incomplete items on my account from XXXX, EQUIFAX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.
Complaint sub-issue: Information belongs to someone else

violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call from a law firm called XXXX and XXXX phone number XXXX in reference to XXXX on XX/XX/2018 stating that EZ Corp payday loan company is seeking repayment in the amount of {$3900.00} claiming the debt is still incurring interest daily. EZ Corp was sued for this very thing a couple of years ago and given the order to cease all collection attempts as they broke the law. Now I have not dealt with this company in over 8 years so why they have a collection firm contacting me is ridiculous.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

dispute # 1 : There is an inquiry on my XXXX  credit report from XXXX XXXX XXXX inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : cbna inquiry date XXXX national credit card cos. This inquiry also is fraudulent as I did not inquire anything from Citibank North America this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX  consumer report deleted from my XXXX consumer report
Complaint sub-issue: Frequent or repeated calls

This caller is from LOAN Me, predatorily traces phone numbers to supposed family members or supposed relatives in order to find information about someone. Calls numbers many times a week and when blocked, still tries to repeatedly leave many voicemails. There is currently no way to block voicemails with my carrier and they disrupt my careful attention to important work calls and voicemails.
Complaint sub-issue: Debt was result of identity theft

I don't recognize this debt. They are reporting this collection that I don't have knowledge of. I tried fixing by contacting them but they are insisting that it is mine. Having that said, I already filed an FTC affidavit regarding this matter and contacted the credit bureaus to file a dispute.
Complaint sub-issue: Reporting company used your report improperly

To Whom it May Concern ; This is in reference to the Consumer Report sent by DISCOVEBANK. While checking my credit report, it came to my notice that DISCOVEBANK has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies " XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by DISCOVEBANK will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information ot nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or DISCOVEBANK, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint. 
XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.