Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Citibank closed my checking account with my money in it and i can not get a straight answer or information on where my money is except it will be mailed to address on file. I have not received anything in the mail not even a letter that was also promised as to why my account was closed. I now have no money to use and no answer as to where it is from thieving Citibank.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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: Reporting company used your report improperly

My SSN, DOB, full address, and potentially DL and credit card numbers were stolen from Equifax via an easily patchable security flaw, along with the information of 143 million other Americans. This is obvious negligence, and no such company should be allowed to conduct such sensitive business in the USA.
Complaint sub-issue: Investigation took more than 30 days

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. This is not so in the case of XXXX XXXX with account number XXXX which has several blatant inaccuracies among all three bureaus, such as different open date, different date last active, different account number different date of last payment and different payment history. These inaccuracies are grounds for removal. They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I responded to the company '' s response and sent it off without attaching the appropiate document so i had to submit a new complaint in order to attach the document.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Didn't receive enough information to verify debt

I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all XXXX credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Complaint sub-issue: Account status incorrect

I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!
Complaint sub-issue: Their investigation did not fix an error on your report

I did NOT authorize any loan service or SIGN for one, I am a victim of identity theft
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 a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b XXXX insurance c XXXX employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.
Complaint sub-issue: Account status incorrect

CFPB Orders XXXX to Pay {$19.00} XXXX for Widespread Credit Reporting Failures Company Furnished Inaccurate Account Information to Credit Reporting Companies, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. 

I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told one this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy one and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error.
Complaint sub-issue: Information belongs to someone else

EQUIFAX customer service would not help and take care of the negative inquiries on credit report. Wrong information reported or error. 



1- Inquiry : XXXX/XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry : XXXX . Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XX/XX/XXXX unauthorized Bank Garnishment XXXX from savings account bank charged XXXX fee caused account to be negative XX/XX/XXXX unauthorized Bank Garnishment XXXX from checked account charged XXXX fee by bank for garnishment caused account to be negative Never received Full validation of debt or notification of Garnishment
Complaint sub-issue: Personal information incorrect

I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Information Services - Employer : XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you complete the investigation and accuracy of the account listed below : Account Name : XXXX. # XXXX The issue has already been addressed with Equifax and they did not modify or delete this information from my consumer report. They have also taken more than 30 days to complete this investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a complain with the CFPB about an issue I had with U.S. Bank ( details of that complaint below ). U.S. Bank stated they would resolve the issue back in XX/XX/XXXX, it is four months since that reply and yet nothing has been resolved from their end. I've tried contacting them via phone, but they refuse to acknowledge the complaint was ever received or " resolved '' and are insisting that it isn't in their systems. I have a written response from U.S. Bank that was sent through the CFPB, but yet they haven't done what they stated they would be doing in the letter as my credit inquiry is still showing up on my report.
Complaint sub-issue: Talked to a third party about my debt

XXXX in XXXX XXXX, NV sent bill statements to my previous address where I used to live 6 years ago. I was n't aware until few days ago when I found a misplaced envelope which was from a collection agency ( Armada ) stating that they were hired by the XXXX company to collect a debt. The last time I visited the dentist was on XXXX 2015, about 5 years after I moved to my new address and as normal procedure they gave me a form to update all my personal and insurance information, they were provided with the update but apparently they never updated it in their system and there is why they sent bills to the wrong address. Today I asked them for a copy of the bill and it has the wrong address still. I talked to the managers and they told me there is nothing they can do, that I needed to handle it directly with the collection agency, but I do n't think this is fair because I was n't aware, they made the mistake and because of them I am getting wrong information on my credit report. At the time of my treatment I paid XXXX plus I used to have XXXX insurances, so I thought everything was covered and since I never received any bill statements I did n't know I was still owe some money. Please assist me in resolving this matter. I do n't think I have to be published by other 's mistakes. Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX Balance : {$0.00} ; 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 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 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: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I didn't know my First Progress Credit card was stolen, from my previous address in the process of moving in XXXX. I have a balance of {$350.00} and reoccurring late payments that I did not know about. They closed the account but I am a victim of identity theft and credit card usage that's not my own. And the mail that they sent me says I have another past-due payment on XX/XX/2022 XXXX
Complaint sub-issue: Account terms

I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.
Complaint sub-issue: Didn't receive enough information to verify debt

On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  sent me a letter notifying that my credit card I have not used  in two years will be closing due to a recent scan of my credit report.  Urgently, I got a copy of my report and saw that I had  XXXX  outstanding medical bills since  XXXX  unpaid and sent to collections. I had never seen these before. I called the collections agency, Grant & Weber, and after verbal mistreatment they pointed at me saying it was my fault for not receiving the statements. I had moved to  XXXX  different states within  XXXX  years and  XXXX  residencies in  XXXX  of those states. I calmly asked them what rights I have to verify that they had been sending me letters. They told me I had to pay my collections up front. I let them know I was educated to know I had the right to ask for proof of mailing me these letters from collections. They put me on hold and yelled, " I 'm answering this other guy that wants to pay! I have no time for you! '' Because of this treatment, I will fight this and do what is right. If I owe, of course I  would pay to my Dr. 's. No way am I paying these debt collectors. You are a disapp ointment to our people.  XXXX   XXXX , o f Grant and Weber Collections said, " I have  no interest in helping people. '' Well,  XXXX . No one wants your help if it 's going to be harassment.
Complaint sub-issue: Funds not handled or disbursed as instructed

some went in and to my security box illegal twice at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My box number is XXXX my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. My wanted XXXX  XXXX XXXX XXXX XXXX and her XXXX XXXX ex veteran brother XXXX XXXX XXXX who loves to flashing fake law enforcement badges are being behind this or one there friends. Please email or mail the complaint forms. I also call contact the Texas states Attorney General. Please the wanted fugitives love call places thousands of times trying stop and cancel my complaints claiming to be me over the phone or write Letters using my stolen identification cards one from XXXX XXXX XXXX XXXX Massachusetts another from XXXX XXXX XXXX XXXX TX my apartment was broken in twice the my spare from my safety security box.
Complaint sub-issue: Debt was paid

I paid my {$120.00} balance with Nemo 's Investigations & Collections on XX/XX/2023, I requested a deletion letter to provide to my lender on a mortgage application. I was told this would be emailed to me. When I received the email it was only a automatic payment receipt. I gave them 24 hours to send me the requested letter and never received. I called back on XX/XX/2023 and the man I spoke to was very rude. He notified me that they do no provide any deletion letters, and that the agent I made my payment with should have told me this and was not helpful. I still have the balance shown on my credit report and this is hurting my chance to purchase a house. I was never notified of my balance as well. I never received any phone calls or letters I had a balance. This company has no website and only a phone number that is hard to get through. You either have to select an extension or you are disconnected. I am afraid I made a big mistake paying this balance off to a scam.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXXXXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation.

furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Complaint sub-issue: Public record information inaccurate

I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.