Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I made a payment ( with consent of my spouse ) of {$1000.00} on XX/XX/2021 as per the XXXX XXXX generated by US Bank. The checking account used for making the payment is in my Spouse 's name. XXXX allowed me to payment without prompting any warning and/or error during the payment process. Also, system allowed me to add my spouse 's account as External account for making payment. 

All of a sudden now, US Bank decided to close my account and forfeit all the Rewards due ( {$500.00} promotional offer after spending {$3000.00} in 90 days ) since only cardholder 's checking account can be used as per Authentication department of US Bank. 

This is not acceptable - my spouse is not contesting the payment then why US Bank is having an issue. I use my spouse 's account for making payment for my other credit card like XXXX- they never raise an issue.
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 U.S.C 1681 Section 602 A. States I have to 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.
Complaint sub-issue: Account information incorrect

2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX 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 an account under an open end and consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

Please c

arefully read the following. Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is
the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court 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 XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Information belongs to someone else

The credit bureau is reporting a collection account with XXXX XXXX XXXX in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.
Complaint sub-issue: Account status incorrect

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, Equifax and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Complaint sub-issue: Information is not mine

It has been 3 months since I accessed my credit at XXXX and discovered that Equifax has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I just reviewed my credit report and noticed several errors reporting on my file
Complaint sub-issue: Information belongs to someone else

I have attempted to correct this error on my XXXX XXXX XXXX account for over a year. I have paid all outstanding balance on this account but they refuse to remove this data off of my record. Two years ago, we had canceled the service and paid them in full. They still have on record that i owe {$100.00}, which is incorrect.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent. 
XXXX XXXX ( {$66.00} ) # XXXX Inquiries : Equifax Mortgage Servi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/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, Equifax Mortgage Servi XX/XX/XXXX XXXX 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Good Morning I have had a CITI account since XXXX. 

I was erroneously enrolled in XXXX protection when I started my account. The actual charge went unnoticed by me since I have had my card. I received bills electronically and due to my own fault, never noticed it/ This year in XXXX I was going to pay off my CITI card and I contacted CITI for a fee. As I was talking to customer service, I asked about the fee that I suddenly noticed. I was informed that I must have signed up for it. I demanded it be canceled and I asked to be provided proof that I even signed up. They said I must have clicked the option or agreed to it. They put me through to XXXX   and was under the impression that I would receive a reimbursement. 30 days went by and I did not see a credit so I called again. I paid off all my bill in XXXX but what I thought they owed me back - approximately XXXX. They could not locate my request and submitted it again. On XX/XX/XXXX, I received the first denial from CITI. I was upset and called customer service again 3 - 4 days later. I said that I was cancelling my card and I was then transferred to a supervisor - XXXX. He lead me to believe that again, I would be reimbursed and I asked again for proof that I actually signed up. I also mentioned the letter that I received in XXXX that I was being refunded XXXX in fees due to a settlement with CFPB. I asked for proof it was credited. 30 days later - XX/XX/XXXX, I received a second denial letter. This time I gave very negative feedback and was contacted by another senior account specialist. He said I did receive the credit for XXXX. I told him that CITI behaved in a predatory manner. He basically didn't care and transferred me back to a XXXX member. I wish I had the name and date by my phone deleted the vmail call in an update as well as my notes. The individual was located in KY - I believe his name was XXXX. 

I spoke with XXXX  again the first week of XXXX. I explained that I was a XXXX vet, received XXXX and XXXX compensations. The XXXX representative ( again - I apologize but my phone updated and deleted my notes ) was resubmitting the information a third time because she said I most likely was not even eligible. I said I would have never signed up for protection from unemployment or whatever, because I received compensation that most do not receive. Again, after 30 days I have received a third denial letter dated XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

My complaint is with Equifax. Equifax allowed my financial data to be unlawfully disclosed when they sustained a massive breach, or hack, a couple of years ago. Equifax confirmed my personally identifiable information was made public as a result of this breach and enrolled me in it's Trusted ID credit protection service. In late XXXX I was told I was being assigned to XXXX 's IDNotify credit protection service for a period of one year unless I chose not enroll, in which  event I would have no further credit protection services from Equifax. I was forced to enroll with XXXX prior to XXXX XXXX, XXXX, which I did. However, now that I've enrolled with XXXX, Equifax apparently closed my access to it's reporting system and refuses to reestablish access so I can verify information they are reporting to others currently including my Credit Union. I've gone to considerable lengths and expense to protect my information by obtaining new credit cards and numbers and new banking arrangements, to include new accounts, login credentials, automated payment arrangements etc. I have a very high credit score which has recently been lowered significantly by Equifax as reported to me by my credit union. When I paid off a recent loan early my score went down again. I need access to my Equifax account to monitor actions that make no sense. I'm concerned they are still reporting an outstanding loan that has been repaid in full. They've already acted negligently and were not timely with their disclosure of the breach when it occurred more than 2 years ago. I'm forced to keep my credit files constantly frozen, through no fault of my own. And now they refuse to allow me access? This is not right. I'm doing their job for them. I'm a retired veteran, and deserve better. I need immediate access to my Equifax account.
Complaint sub-issue: Can't get flexible payment options

I receive a collection request from XXXX XXXX for National Collegiate Student Loan for the amount of {$15000.00}. I got a loan back in XXXX with XXXX XXXX XXXX for school not with the National Collegiate Student Trust. I was paying them through American Education Services but they were called something else before that and I ca n't remember that name but it originated with XXXX XXXX XXXX, they changed names several times. I was able to get my Bank which is XXXX XXXX XXXX to pull my payment history for AES but we were n't able to pull payment history for the other name ( before AES ) because XXXX XXXX XXXX can only go back as far as XXXX ( I have attached these payments ). I have been paying on it since XXXX and the loan never moved. I have never been late on a payment, so technically the loan should be paid in full by now. I did n't stop paying on the loan until I filed for bankruptcy. The National Collegiate Student Loan never appeared for the bankruptcy hearing to dispute discharging the loan. Now all of sudden my credit is being hit and I 'm sent to the collection agency for full payment of the loan. I tried in the past working something out with them but they would n't work with me they said I did n't have any deferments. I had twins which lead to me having to file bankruptcy because I was doing it all by myself. I ca n't afford this loan and I feel like they have and are still trying to rip me off. After my bankruptcy the federal government student loan worked out an affordable plan with me and has also forgiven a large portion of my student loan and they have been very helpful. However, the private student loan that is n't federally backed is very difficult and is trying to make me pay a loan for the rest of my life that has technically already been paid off.
Complaint sub-issue: Debt is not mine

Best Buy / XXXX XXXX have repeatedly fraudulently and with gross misrepresentation challenged a valid credit card dispute for services not rendered and/or provided in a wholly worthless manner. Accordingly this debt is not mine and they should not be allowed to misuse the chargeback dispute resolution process to attempt to collect funds from me I do not owe!
Complaint sub-issue: Their investigation did not fix an error on your report

I previous ; ly nitidied Equifax that i'm a victim of identyity theft
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Account information incorrect

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, EQUIFAX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- 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. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft, also have been affected by the Equifax Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX # XXXX, TN Child Support  # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.