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

Data breach by the company which called for my personal information was fraudulently on the dark web!
Complaint sub-issue: Debt was paid

In XXXX I lost my job, transportation went out on me and had a hardship that I couldn't recover. 

This debt and negative reporting every month from XXXX - XXXX has negatively affected my employment options.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Credit Reporting Bureau shows a regular ( also known as " hard '' ) inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Phone : ( XXXX ) XXXX dated XX/XX/2019. I have NOT applied for credit with XXXX XXXX XXXX or, in fact any other creditor, in XX/XX/XXXX ... XXXX XXXX XXXX placed a hard inquiry on my XXXX report on XX/XX/2019 and then another one my Equifax credit report on XX/XX/2019 acting inappropriately, if not maliciously. On XX/XX/2019, I filed a dispute with Equifax of the above-mentioned inquiry stating that I did not authorize it. On XX/XX/2019 I received the following response : ================= The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Phone : ( XXXX ) XXXX ================= The above response is unacceptable for three reasons : ( 1 ) I  already stated in submitting my dispute that I believe the inquiry is not authorized, so for Equifax to include " If you believe this was unauthorized, ... '' in their response means that they did not read my submission and took no investigative action on it. 
( 2 ) With the above response, Equifax sends the victim to the perpetrator and not taking any action of their own to keep credit report accurate as is their duty ( 3 ) Equifax calls this " Reinvestigation '' as if there had been a prior investigation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.
Complaint sub-issue: Account information incorrect

Problem with XXXX and Equifax Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Complaint sub-issue: Fees charged for closing account

I talked to XXXX XXXX at PNC I never opened an account with this Bank and they are charging me XXXX dollars to close it
Complaint sub-issue: Reporting company used your report improperly

Did not excersise its grave responsibility. 
You were unfair and partial and did not respect my right to privacy. 
I never instructed them to furnish on my behalf.
Complaint sub-issue: Other problem

I am the trustee for my parents estate. I spoke with Costco Citibank to close my mother 's account on XXXX XX/XX/2022. 

Subsequent to the credit card closure, there were additional charges made on this account. This card had been set up for autopay from a checking account, and I realized the discrepancy when reconciling the monthly checking account statement. I do not have copies of the XXXX and XXXX statements to determine whether the charges were fraudulent or not. When I called to inquire, I was advised that documentation needed to be filed ( Death Certificate and the Certificate of Trust identifying me as the executor ) before anyone could speak with me. 

The documentation was filed on XXXX XXXX XX/XX/XXXX ( see attached letter ). On XXXX XXXX I received a letter from Citibank acknowledging they received my letter, but did not address my request for statement copies. 

Numerous phone calls have been since, all with a promise to expedite the request for the two XX/XX/XXXXstatements, and have not received anything. 

On XXXX XX/XX/2022 I spoke with the Probate Department again, and was advised that the area that would provide me the statements does not have a contact number ( phone or mail ), and the most they could do was to put in another request to expedite the request. I also spoke with Citibank Customer Service agent, and was advised they could do nothing to help me - that the Probate Department was the only entity within the company. I sent another written request for the statements, noting that if they were not received in 10 days a complaint would be filed with the CFPB ( see attached letter ).

As of this filing I have not been contacted by Citibank to resolve this issue. My hope is that filing with CFPB will prompt a resolution ; and five months is long enough!!
Complaint sub-issue: Can't get other flexible options for repaying your loan

My husband and I are both co-signers for an XXXX  son XXXX XXXX XXXX ( XX/XX/1998 ) on several student loans, ending in XXXX and XXXX, all totaling about {$75000.00}. Early last year, that child got XXXX  and kicked out of college on XXXX  and XXXX  charges on his girlfriend. We then paid his student loans as they came due because he no longer was attending college. 
He is now in XXXX  awaiting trial and sentencing for XXXX, involuntary deviate XXXX XXXX and many other XXXX charges against my XXXX  XXXX  daughter. We contacted Sallie Mae and apprised them of the situation and let them know that paying the $ XXXX on his student loans monthly was not only impossible financially but ethically something that was a betrayal to what is honest and fair, as these crimes were committed in my home a few years before my son left for college.

I asked the process for my husband and myself to be retracted as cosigners for these loans and was told no such thing exists and that we were responsible for the loans and would be taken down the road of collections as long as we continued not to pay.
Complaint sub-issue: Problem getting my free annual report

In XXXX XXXX XXXX, I closed on XXXX short sales in California. The closing negotiator of each banking institution ( there were XXXX lenders involved ), agreed to post the short sales on my credit reports to read : " paid/settled in full for less than the full balance. '' To my dismay, all XXXX credit reporting agencies did not adhere to the terms agreed upon, and listed my short sales as derogatory and delinquent on all three credit reports. I filed a congressional inquiry against all the banks, and won my case on XXXX XXXX, XXXX ( please see XXXX letter attached ). XXXX submitted their request to the credit reporting agencies to update my credit report immediately. Though all three credit reporting agencies updated my credit reports, the reports read as if the short sales took place in XXXX of XXXX and not XXXX of XXXX. So, the seven year period of adversity started ticking in XXXX, not in XXXX, FOUR years after the initial short sales closed. I followed up again with XXXX XXXX, Executive Response Specialist at XXXX, and she helped me rectify the issue, and the XXXX credit reporting agencies are supposed to correct the information. I ran XXXX of my free credit reports in XXXX of XXXX, but would like to follow up with all XXXX credit reporting agencies as I am interested in finding out the current status of my credit reports. Could you help me XXXX more copy of my latest credit reports from all XXXX reporting agencies, please? Thank you. Please note I moved to the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XXXX AMT.XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details Equifax Mtg Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy court XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX U.S. Bankruptcy Court in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.
Complaint sub-issue: Company closed your account

Date back to mid-XX/XX/XXXX this year, my Citibank credit cards were all closed by the company with no reason. 

I have used Citibank for checking account and credit cards for a quite long time ( two years ). During the time, I always paid full for my credit cards balance, never produced problems, and never used it inappropriately. I even didn't ever make a dispute. Citi prestige card was even my favourite card and I brought it out everyday with me. 

I am a US resident alien and applied for card in-branch. I meet all the eligible requirement for the card. During the time I held the cards, I always paid full, rarely did refunds. I even rarely used the benefits for the cards. I used the card with me for everyday purchase. I can even recite the card number as I really used it a lot with online purchases. During the time I held the checking account, I believe I also did very well. The branch is just 2 minutes walk from my office of employment and I always had good time there. I really don't feel I did anything wrong. At least I should have a chance to defense for my self. 

The closure of the accounts with no reason is very disappointing and unacceptable. Moreover, after account closure, I called multiple times ( and also wrote to the executive unit as suggested ) about the reason of the closure of the account. Never got a mail or reply back, which is more disappointing. Moreover, the annual fee charged for both card should be working for a whole year, but during the middle of a membership year, my account was closed by Citibank, but annual fee still not refunded.
Complaint sub-issue: Problem with fees

This is regarding a Citibank credit card. I routinely schedule my payment for the day before the due date and have been doing so for years. I schedule the payment as soon as I receive the bill, weeks before it is due. Citibank suddenly charged me a {$29.00} late fee, despite their online system showing a credit ( for the scheduled payment ) the day prior to the due date. When I called to complain, I was told that the payment wasn't credited until two days after the scheduled date, despite the fact that Citicard showed a the credit on the day prior to the due date. This seems like a fraudulent way to charge fees to customers.
Complaint sub-issue: Account status incorrect

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Complaint sub-issue: Information belongs to someone else

Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY CO L # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX  # XXXX
Complaint sub-issue: Problem accessing account

I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ally Bank has locked me out of my account and their website. I was receiving security codes to my XXXX cell phone to access my account, with email as a second option. In XXXX, Ally notified their customers they would stop sending security codes by email. Now they have instituted a policy that they will only text codes to XXXX cell phone numbers, effectively locking me out of my account. Their support office told me I need to get a XXXX cell phone to access my account. I pointed out again that Im in XXXX and have no need for a XXXX cell phone, and have no way to open an account from here. Their response was to repeat that I need to get a XXXX cell phone or access to XXXX belonging to someone else. They werent able to explain how sending my security code to someone else improved my security. They wont text to XXXX XXXX accounts so that wont work either. I filed a complaint with customer support but of course no one from Ally has contacted me as they promised. I am locked out of my account and Ally Bank has made no effort to help me or the others affected by their recent decisions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company known as XXXX XXXX XXXX in XXXX XXXX has been harassing us daily with phone calls to pay them what is owed for a medical debt. After sending them a payment of {$100.00} a month for the last year ( I am fully aware that I was past due but was finally financially able to start making payments ) they have been calling me and my wife twice a day but sometimes waiting a day in between to call us but they do attempt both of our phone numbers usually with an hour of each other. Most of the time their allegations are that if we do n't start paying more than {$100.00} we will be force to take legal action and if we do n't get set up on their " minimum automatic withdrawal program '' " we will continue to call you until we get this set up '' even though we have paid them already for that month. As a consumer being " Bullied '' into an automatic withdrawal program when you are already paying someone does not sound to me a like a good or fair business practice. We finally agreed ( forced by legal letter that if we do n't start making the payment of automatic withdrawal of {$180.00} a month we are taking legal action ) to set up an automatic withdrawal. I have requested that since our verbal agreement of payment plan, that they provide me with documentation of our agreement, of which they refuse by stating " It 's not our policy to provide that information! ". This company has been one of the most vicious debt collecting agencies I have ever been forced to work with. They have on multiple occasions brought my wife to tears and have caused my XXXX XXXX to rise because of their unethical treatment of the consumer. I will admit I have had to raise my voice on multiple occasions with them to try and get the m to stop calling on my work provided cell phone which after finally threatening legal action due to the laws set in place by my state that they finally stopped calling my work cell phone. However they continued to call my personal phone during my working hours of which I have asked them to call after XXXX Central time, again no compliance from them. The amount of mental anguish this company has continued to thrust upon us has cause much undo stress on my family and our relationship. Once again I am asking for legal documentation of the agreement we have set up so that I will have evidence that they will take no further action. here are just some of the most recent dates they have called but have n't left a message : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
Complaint sub-issue: Information belongs to someone else

On my report there is a closed account with huge amount of missed payments. SEARS/CBNA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SEARS/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: You never received your bill or did not know a payment was due

In early XXXX my card would not work twice. I contacted the discover credit card company who informed me that three statements and two letters had been returned to them marked by the United States post office as undeliverable. When I heard that my card had been shut off and that my payments were overdue on that phone call with discover I electronically transferred the entire funds to cover the balance of the account immediately from my checking account. In XXXX I received a call from my insurance agent who told me that my homeowners bill was returned as undeliverable by the post office, after receiving one letter returned... they called me immediately... discover never contacted me. Over a year and a half ago I changed from a post office box to a street address using a address forwarding card with the post office. I thought I was receiving all my mail but evidently only half of it I filed a complaint with the United States XXXX XXXX online in 15 minutes I had a call from the XXXX supervisor I was put on hold and the supervisor returned telling me that my street address was not in the system and that the route driver who was out had not updated his route in a year and a half. I called back to the Discover Card Company and explained what the supervisor told me from the United States XXXX XXXX, Discover waved the late fees but reported me as being delinquent anyway. I asked discover account manager if they would remove the bad marks on my credit my credit... .it had dropped from XXXX to XXXX the account manager said they would not. I asked the postal supervisor if they would contact the credit card company or the credit bureau and explain what happened ... .her reply was we don't do that.
Complaint sub-issue: Was not notified of investigation status or results

I have really been trying my best to do good on my own I spend so much time homeless because I could not get approved for an apartment. My baby mama put me out my life is falling and they are really not helping please help me. 

I have sent letter, called, fax and still nothing has been done about my credit I sent letters on XX/XX/21, XX/XX/21 and called and faxed many times in between and still nothing has been done to fix this misleading info on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, us bankruptcy court XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Equifax results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.
Complaint sub-issue: Reporting company used your report improperly

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions