Johnade/consumer_complaints_cfpb huggingface dataset:
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, BANK OF 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  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 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 XXXX 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: Information belongs to someone else

I have submitted a complaint to Equifax with regards to 2 accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Equifax with regards to these to accounts. Please remove the following accounts from my credit file : XXXX  opened XX/XX/XXXX XXXX/XXXX opened XX/XX/XXXX The following addresses is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a XXXX  who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

XXXX XXXX XXXX has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting a hard inquiry on my report because XXXX XXXX XXXX has purchased XXXX XXXX. The representative asked me if I was interested in cable I said sure as long as you dont run my credit for a hard inquiry, the representative had already checked my credit for internet service. So I didnt want my credit being ran for cable I thought since they checked it for internet it was already set. I called and talked to a XXXX XXXX XXXX representative they assured me that they would handle the issue but nothing has happened.So now I have XXXX XXXX XXXX and XXXX XXXX as hard inquires on my Equifax report.
Complaint sub-issue: Problem with statement of dispute

Equifax has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. There is an account with XXXX that needs to be removed because I have no idea where this came from and the other XXXX bureaus have removed it so why dont they? This is also the case for the XXXX XXXX accounts, why would Equifax keep them on when XXXX and XXXX have removed them? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now and there are XXXX random collection from XXXX XXXX XXXX that I have no recognition of. XXXX and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long. And to top it all off, Equifax is reporting a UNKNOWN account with no name, no creditor name and absolutely no way for me to get in touch with said company so how am i supposed to even pay them? I dont even think I owe the debt let alone be expected to pay my hard earned money to UNKNOWN!
Complaint sub-issue: Banking errors

On XX/XX/XXXX, I closed two matured CD accounts at PNC Bank in XXXX, NC. Last week I received two checks from PNC Bank, one for {$7.00} and the other for {$6.00} with this cover note : " In the past, your account ending XXXX received a special rate offer or promotional rate. We recently became aware that you may be due one additional day 's interest because your rate expired one day earlier than disclosed. '' Two years have passed. I wanted to know the action that was taken by PNC that resulted in uncovering this error. Also, since PNC Bank had my money for two years without my consent or knowledge, at the very least they owe me two years ' interest on the money ... and if they had my money for two years, they had the money of other depositors who were similarly unaware. 

I phoned PNC Bank at XXXX and was given the same explanation as stated above. The " escalation '' agent was to get back to me with answers. I received a call earlier this week ( probably Monday, XX/XX/XXXX ) from XXXX XXXX ( unclear what her name is ) who gave me the same explanation as above. In short, a week went by and I received no answers. 

My concern in writing this complaint is that PNC Bank has withheld earned interest from CD depositors for two years. My amounts are peanuts, I know. The bigger questions are why did it take two years to learn that they had our money and why they have n't paid us interest on this money? Something 's seriously wrong here. Can you get an explanation and our interest for us?
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX  Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent matter.
Complaint sub-issue: Problem getting your free annual credit report

I called and spoke with A supervisor who was rude, disrespectful anx hung up in my face by the name of XXXX agent ID numbe - XXXX. I have expressed I have been unable to get my credit report or see any of my information and she stated I had to submit my drivers license which I have done prior. I explained to her I have completed that process and this company has refused to resolve the issue. This has been going on for over A year now! I informed them my last name was no longer XXXX and had been changed to XXXX and I provided my drivers license as proof. They have not updated any information in their system and instead keep asking me to resend the same Drivers license I have already sent now 3 times! I was A victim of fraud and need to have access to my credit report to go over. I have been unable to access it threw my XXXX XXXX  i have been unable to access three myequifax profile. And I am out of options.
Complaint sub-issue: Debt is not yours

I have no knowledge of this credit debt. This debt is not mine and I run multiple business and my credit is very important to me. This debt is drastically impacting my credit score and I need this fixed.
Complaint sub-issue: Information belongs to someone else

I am having a problem with Equifax taking a charge off from XXXX XXXX off of my credit report. The account is not mine and I have never done business with them ever. They are located in Tennessee and that is where my son 's ex wife lives and she has gotten money in my name and has done this several times as we had no idea about it until she left and went back to Tennessee. We are still paying the price for what she did when she was married to him and taking our social security numbers and other forms of ID to get money in our names. I am sick and tired of trying to get this removed from my credit report and would appreciate some help with this. Thank you for your time and for the help in getting this issue resolved. I have contacted Equifax numerous times to get it removed and they refuse to do so. I don't have a phone number to call them at or I would be on the phone with them already and get this taken care of. I know they have had a security breach but that should have already been fixed and yet I am still having to fight with them to get this taken off. I would appreciate any help you can give me on this. Thank you again and I hope this time will be the last time I have to deal with this.
Complaint sub-issue: Frequent or repeated calls

I keep receiving phone calls from Citi Bank out of XXXX XXXX, MO phone number XXXX. The calls are for an individual named XXXX XXXX and that is not me or my name. I have had my phone number for 19 years. I have no association with XXXX XXXX. They will not remove my number from their call list. They have recently called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX,XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. After the first 2 days of telling them they have the wrong number and to remove my number from their call list. I starting ignoring the calls.
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 XXXX XXXX XXXX and Equifax information services committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed and constantly have XXXX  attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Complaint sub-issue: Debt is not yours

TO

WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Problem using a debit or ATM card

My wife received a phone call from a " BB & T Fraud Specialist '' to address a recent attempted charge in Florida. They addressed her by her legal name and had her phone number ( in order to call her ). They called from a legitimate BB & T Customer Support phone number. My wife denied this attempted charge and the individual stated that since there seemed to be fraudulent activity then he wanted to go over recent charges. He stated various recent charges that were completed through our checking account by either myself or my wife as we have a joint checking/savings account. We found out later that this was a spoofed call and that this was not BB & T. However, as they had personal information regarding my wife and our checking account, we believe this is an internal hacking at BB & T. As a result, we have both changed our phone numbers, multiple passwords associated with various online accounts, and have closed the compromised accounts with BB & T and subsequently opened new ones.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax & XXXX  copy of ftc, police report and numerous about the fraud accounts to be remove. I been sent correspondences for a little over a year trying to get inaccuracies removed from credit report. XXXX  continues to not investigate fraud inquiries or say it that it frivolous request per XXXX, XXXX  has block me for online disputes and have to get transferred 4 or 5 times when i do call. The next action is lawsuit for XXXX and possible Equifax aswell
Complaint sub-issue: Information belongs to someone else

A " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As US Bank is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The US Bank fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the US Bank account opened in my name.
Complaint sub-issue: Attempted to collect wrong amount

I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my Equifax CB, I received response from Equifax that this account was verified as accurate and updated.
Complaint sub-issue: Was not notified of investigation status or results

The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why? 
Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a 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 other 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 alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have an invalid charge on a Major Credit Card with the following institution ; Citi. A Record of the charge is listed below and receipt for the charge is attached. Also attached is an entire history of this fraudulent transaction as well as a local police report, request for documentation by XXXX  Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation this institution has refused to honor the Fraud Claim, a letter from the institution is attached.
Complaint sub-issue: Public record

I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,
Complaint sub-issue: Reinserted previously deleted info

Received credit report dated XXXX XXXX, 2017, Confirmation # XXXX which is currently correct. Information and score submitted to XXXX XXXX by Equifax is incorrect : Equifax reinstated XXXX XXXX as well as incorrect score of XXXX. Equifax subsequently stated that they can not change a credit score? Is that to say they WILL NOT correct their errors? ANY company that produces incorrect information, regardless of model used, should have the means to correct it. As of today the information is still incorrect. Screen print provided. Additionally, I logged into my Equifax account and all they provided without charge was that XXXX was the average score for my zip code. Otherwise, it was selling as usual ( screenshots attached ). 

So, I also request and grant permission to CFPB to actually pull my current credit report and score to have them on file in conjunction with any fine that should be imposed as well as additional evidence to support my subsequent lawsuit claims.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.
Complaint sub-issue: Received bad information about your loan

I've been in the process of XXXX loan forgiveness. Was transferred from XXXX  to mohela even though I was already past the XXXX payments. Everything is taking months to process, it's impossible to get someone on the phone to explain what is happening, and the entire process has been the least transparent experience I've ever had with any loan or financial service in my life. It's not all on Mohela, also dept of ed., but it seriously undermines the entire point of the reforms to the system in the first place.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the data breach involving Equifax. When attempting to reach Equifax and demanding they remove all hard inquiries, collections and late payments. 

Per 15 USC 1681 a ( 3 ) and 15 USC 1681 ( a ) ( 4 ) " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Per 15 USC 1681 ( b ) " Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' I never consented to these inquiries and reported late payments and closed accounts. Equifax did not exercise their grave responsibility to meeting the needs of my consumer credit information in a manner that was fair and equitable to me, the consumer.
Complaint sub-issue: Reporting company used your report improperly

Equifax has negligently handled my credit report information. As such they have left me and millions of others vulnerable to exploitation. I have never agreed to let equifax have my data.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and identity theft.