Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

On XX/XX/2018, I got involved in a Citibank promotional offer which offered a cash bonus of {$400.00} if I kept {$15000.00} in a checking account for 150 days. I opened a checking account and deposited the money. The 150 days was up on XX/XX/XXXX, but I have not yet received the bonus. Three disputes have been filed, but no one knows how to solve this problem. It has now been 168 days since I deposited the required {$15000.00}. Disputes have been filed but nothing is happening. Citibank is in no hurry to resolve this dispute although it is not a very complicated case. No one knows how to handle this situation. 
I would really appreciate your help in finding out what's going on. 

Thanks very much. 

XXXX XXXX
Complaint sub-issue: Information is not mine

I HAVE SUBMITTED SEVERAL DISPUTES TO EQUIFAX REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE EQUIFAX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EQUIFAX.
Complaint sub-issue: Other problem getting your report or credit score

I am applying for a mortgage. The mortgage company had no problem getting my XXXX and XXXX credit report but can not get my Equifax. They are told the credit file is frozen. 

I called Equifax 3x and thy said there is nothing wrong with my account, it isn't frozen and all my personal information is correct. 

Now I can not get the mortgage because they need the Equifax report. 

What am I supposed to do. Can you make Equifax fix this problem?
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 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 instruction.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

Wrong spelling of my name. Time have expired. Not the right address. Some has been charged off. Some one been useing my identity??
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have noticed fraudulent accounts reporting on my credit report. The following accounts I never authorized ; Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account terms

I have disputed XXXX XXXX XXXX with Equifax on numerous occasions and they continuously take whatever information is provided to them with now actual review of their own records for accuracy. I called Equifax directly after the last result on XXXX/XXXX/16 and spoke with their representative to find out why nothing had changed. The representative told me all they do is take the information submitted to them and report it. I asked them to review the status which states open even though the account clearly shows paid. She stated yes, however, that 's how it was reported to them by XXXX. I asked her if she could see where this was a collection agency not a creditor, yet it 's reported under my creditor accounts. She said yes, but that again, they can only report what XXXX gives them. I asked her if she could not see they are reporting several missed payments like a creditor though it 's a collection agency and got the same response. If they actually investigated the information and linked it back to the XXXX, they would see the original creditor lists last date of payment as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX. She finally told me if I had issues with it to call XXXX, which I did. XXXX 's response was they report it correctly and if there 's a problem, it 's due to how the CA is reporting it and to send in my receipt of payment to the CA. Neither will take ownership of this problem, nor correct it.
Complaint sub-issue: Account terms

Experian has listed on my credit report a debt that was abolished by XXXX XXXX in XX/XX/XXXX. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX XXXX agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. Experian keeps verifying the debt as valid because XXXX XXXX is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. 
Equifax also has an account listed by XXXX Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by XXXX by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly. 
Equifax is also listing the erroneous account by XXXX XXXX as past due in the amount of {$1500.00}. Equifax also has several collection accounts that have been paid and I have provided written proof supplied by the collection agency for medical bills. The companies are XXXX XXXX XXXX XXXX XXXX and XXXX collections. The collection companies agreed to delete the entries electronically but they remain on my credit file. 
Additionally, XXXX XXXX XXXX has an open claim with XXXX XXXX for damages on a vehicle that I rented in South Dakota from XXXX thru XXXX while on of several travel contracts for work at XXXX XXXX XXXX. I was never notified and allowed to investigate the validity of the debt. When I realized it on my credit report, I called XXXX XXXX and spoke with XXXX XXXX who agreed to delete the entry if I paid her because she did not believe the XXXX would pay the " extra fees ''. The was minor under baggage damage that was not visible to me when the vehicle was returned. I was made aware of the collection efforts when I checked my credit earlier this year. This account appears on my Experian credit report and was verified as valid. I never received notice of the debt. I was never allowed to investigate the validity of the alleged debt. 
Lastly, XXXX XXXX XXXX was paid {$720.00} in XX/XX/XXXX in an effort to have them remove a collection from my Transunion and Experian credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Complaint sub-issue: Was not notified of investigation status or results

Dear Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently HAVE YET A received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction withabove listed account.I was saddened to learn that you FAILED TO verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) IGNORED MY REQUEST. I would like to see a complete list of all documents and correspondence with whom you obtain the account from. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make 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.

15 U.S.C. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

This company is attempting to collect on out of statute debt which is unlawful under the Fair Debt Collection Practices Act. Please confirm the information shown in this account and REMOVE COMPLETELY FROM MY CREDIT REPORT. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX-Balance {$1600.00}
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed.
Complaint sub-issue: Account status incorrect

I paid this credit card to a XXXX balance in XXXX. The XXXX statement said no minimum payment due so I didnt pay anything then assessed me a late fee for a XXXX   balance account in XXXX. Now it is XXXX they reported me to the credit bureau as being past due over 30 days and it is over a late fee assessed based on their statement showing no payment due ... .and they have assessed an additional late fee. I have set up payment to be drafted out of my account. I want the past due status removed and the late fees reversed.
Complaint sub-issue: Account status incorrect

I have submitted written proof to Equifax from XXXX XXXX XXXX that my late payments from the Months XXXX, XXXX, and XXXX of 2020 were removed. Equifax removed the late payments and then added them back. This is inaccurate and I've sent them proof twice as well as XXXX XXXX has contacted them.
Complaint sub-issue: Reporting company used your report improperly

Due to the recent Equifax breach, they failed to adequately secure my social security number driver 's license information, date of birth, address, and all other related information that someone would need to steal my identity. Equifax has breached over 100 million people 's trust due to their lack of care and security concerns. I am now faced with the consequences of their inability to adequately protect the information that they have in their files. At minimum we should be allowed to have our information deleted from the system. I am not going to suffer a potential Financial loss if someone uses my information as it has been confirmed my information was breached by Equifax. I will also suffer a loss due to me having to now pay for my credit reports to be monitored. I can not trust their systems.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX 13.XXXX XXXX XXXX 14.XXXX  I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Complaint sub-issue: Debt is not yours

I C systems collection agency XXXX XXXX XXXX  XXXX XXXX XXXX, Minnesota XXXX contact number XXXX and XXXX Ext XXXX. I contacted them on XX/XX/2018 about the XXXX account reference number XXXX for {$230.00} to see why it is still showing on my credit and have not been able to speak with a person that can help me. The initial agent that I got on the phone gave me the above number and extension but I was unable to reach the extension without being disconnected. I called XXXX back and they verify a {$0.00} balance since I never used the services but are unable to assist because the debt was sold to IC SYstems. I need some assistance getting through and getting this item removed off of my credit.
Complaint sub-issue: Problem getting your free annual credit report

In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my XXXX and XXXX reports but was told that I had to mail in a request for Equifax. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX  report and was told I had to mail in requests for Equifax and XXXX. 

I'd like to obtain my most recent Equifax and XXXX reports online. Thank you!
Complaint sub-issue: Debt was paid

Complaint Against : Rausch Stern XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but Rausch Stern never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and 1 payment of {$400.00} ) - I was unable to make payments during the height of COVID.

Rausch Stern moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, Rausch Stern reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, Rausch Stern garnished an additional {$860.00} from my wages, under the same case number for XXXX XXXX XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid Rausch Stern {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by Rausch Stern ). 

After speaking with XXXX XXXX XXXX Rausch Stern, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Complaint sub-issue: Investigation took too long

I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit
Complaint sub-issue: Didn't receive notice of right to dispute

Home Depot wrote off my debt of {$3600.00} more than 8 years ago, this company XXXX XXXX XXXX bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not good for me.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}
Complaint sub-issue: Reporting company used your report improperly

I tried to apply for a credit card and received many inquiries. 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 instruction. 
Inquiries : 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
Complaint sub-issue: Account information incorrect

Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

XXXX said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY
Complaint sub-issue: Was not notified of investigation status or results

Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me
Complaint sub-issue: Indicated you were committing crime by not paying debt

XXXX I was made aware that I can not refinance my house due to my current credit score. I was advised there were medical collection placed on my credit report that are in violation of HIPAA and or a medical privacy. They should not have been reported. Nor my score should not have been affected negatively. I spoke with collection company. Explained my situation. I was advised to call the credit bureaus to dispute the collections. I have recently spoke with the three credit bureaus. Started the dispute process for removal of the medical collections from my credit score. However my credit score decreased significantly due to the medical collections being reported an error.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2020, I received documents from PNC Bank in Pennsylvania with a debit card and account information about an account I did not authorize or request. On XX/XX/2020, I called PNC and spoke with a customer service representative who closed the account, at my request, and indicated that PNCs fraud department would be calling me, which they never did. I then proceeded to lock my credit with all three credit bureaus. 

This evening, XX/XX/2020, I received more documentation from PNC indicating that I have been overdrawn since XX/XX/2020. The amount of the withdrawal was {$50.00} and the overdraft fee is {$36.00}. 

I never authorized this account to be opened ; therefore, I never funded this account. I do not believe PNC did their due diligence in ascertaining there was no fraud being perpetrated at the time this account was fraudulently open, and I would appreciate your help in reversing these charges and any information to ensure my information is not fraudulently used again. 
Sincerely, XXXX XXXX