Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2022 I tried to purchase furniture using my new Costco Citi credit card to purchase furniture for the apartment I had recently moved into, I had used this card to purchase gas a few miles away earlier that day. The purchase was marked as fraud ( when it was not ) and so they froze my card. When I called the tell them it was not fraud I was told to verify my account info, which I did, and from there they told me I couldn't get a code they needed ( for some reason? ) to unfreeze my account via text, which is apparently an option, but for some reason they couldn't do. And was then asked about other phone lines I had for them to call, which once again I didn't have. The only option then presented to me was for them to mail me a piece of paper with a reference code for them to unfreeze my account. Which I told them wouldn't be feasible since the mailing address mail would be frozen for the next month. I was told it was the only option and so I accepted that I wouldn't be able to use my credit card for the month while I waited for the mail to be unfrozen. Flash forward to XX/XX/XXXX and this piece of mail still hadn't arrived so I called them again and they said they would send out another letter. It is now XX/XX/XXXX and I still haven't received it so I called them once again and still my only option is this letter and its now been over 2 months since I've had access to my credit card.
Complaint sub-issue: Account terms

I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.
Complaint sub-issue: Account information incorrect

I've been disputing the status, amount, dates of an account listed on my Equifax credit report and Equifax continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. The education loan is not only reporting inaccurately but there are two accounts with the same account numbers with different open dates and balances listed on my credit report. I sent Equifax yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ) I highlighted the loan from University of XXXX XXXX  that was opened on XX/XX/2009 that shows a balance of {$1800.00} with no outstanding interest or late fees. I also included the screenshot to prove that there is no loan reporting opened on XX/XX/2009 from the University of XXXX XXXX. Equifax has completely ignored my letter and proof and still is reporting both of the accounts on my report after I've sent in proof.Not only are they reporting wrong information they keep changing the account status I have proof both of these accounts have been closed for years, I also sent proof to Equifax, and now the accounts are open with balances and monthly fees. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the accounts from my credit report as they are not accurate and I have the proof.
Complaint sub-issue: Frequent or repeated calls

This Encore company has called me at least 4 times a day nearly everyday, including Sundays and Saturdays, as early as XXXX XXXX. They will all and hang up as soon as I answer, or they will go to voicemail and leave no voicemail. When I call back sometimes they hang up on me when I demand more information from them, since they are asking me for my information. The calls are 100 % harassment and I have already asked them multiple times to only correspond with me via standard mail, as my job requires me to wear PPE which I must remove every time I get a call. They are impeding my ability to perform at work and to rest at home. Totally predatory and non helpful, this is not the first time this company has been in trouble for this.
Complaint sub-issue: Account status incorrect

I XXXX XXXX contacted transunion to remove inaccurate late payments on my credit report several attempts and XXXX XXXX  reporting it as updated with no investigation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Reporting company used your report improperly

I previously lived at My current Address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following addresses I would like removed from my credit reports : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Equifax and XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have my ID with my address on it as well.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip 2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX XXXX
Complaint sub-issue: Problem accessing account

I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.
Complaint sub-issue: Other problem getting your report or credit score

My insurance letter said info from Equifax influenced my premium and only Equifax can provide details. Equifax can not send my report to me because they can not verify my Identity. 
Equifax XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies Equifax, XXXX, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
Complaint sub-issue: Debt is not mine

Contract does not exist between myself and debt collection company. Debt is not mine.
Complaint sub-issue: Problem with fees

My Macy 's in store credit card was switched in XXXX to a use anywhere Macy 's XXXX XXXX card without my permission. My payment is set-up on auto-pay for the XXXX of each month. When Macy 's made the switch to XXXX XXXX, the payment date was changed to the XXXX of each month. I was also on paperless bill and must have missed the announcement. Macy 's charged me a {$27.00} late fee ( refunded ), but many others may miss this unfair charge and pay it! Resulting in thousands of dollars of profit for Macy 's and/or XXXX XXXX!
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.
Complaint sub-issue: Debt was result of identity theft

TRS Recovery Services is claiming my Grandmother owes two different fraudulent check amounts to XXXX XXXX XXXX, cashed by XXXX XXXXXXXX XXXX. 

1. Date XX/XX/2022 for {$400.00} Check # XXXX Transaction # : XXXX XXXX. Date XX/XX/2022 for {$240.00} Check # XXXX Transaction # : XXXX We haven't paid anything, and I keep telling TRS to tell XXXXXXXX XXXX XXXXXXXX to CHECK THE CAMERAS. 
We do not know if her identity was stolen, or if TRS Recovery Service is used as a false front for bait, because they are asking for ALL HER INFORMATION on this debt collection form.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I received a letter to appear in court on XX/XX/2022, I have absolutely no knowledge of this company, what the debt pertains to nor was i ever served any papers that i owed any debt. I sent them a certified letter proving this debt to me as well as the courts and demanding them to throw out this ridiculous case out.
Complaint sub-issue: Their investigation did not fix an error on your report

So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has received two letters on XX/XX/2019 and XX/XX/2019 Respectively. I ask for the verification on a supposed bankruptcy that is on my credit report. They came back that it was verified per XXXX XXXX. They refused to provide me the person, address and the person of whom they spoke to, to verify this. They have violated the Per the FCRA 623 ( a ) ( 5 ) : I have written prove that it does not exist on my XXXX XXXX  file. Therefore it should be removed immediately..
Complaint sub-issue: Information belongs to someone else

hi Discover ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017 XXXX XXXX XXXX submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted XXXX XXXX XXXX about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ).  They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted XXXX XXXX XXXX nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.
Complaint sub-issue: Account status incorrect

I am trying to originate a mortgage with a separate bank from the one this complaint is regarding. The mortgage origination bank said there is an active dispute with Citi bank that needs to be resolved before origination can proceed. 

I spoke with 9 people at Citi bank, 3 said I had no active disputes and 3 said I did have an active dispute. I spoke with 2 managers - the last one hung up on me. 

There appears to be a systemic issue with Citi Bank 's dispute resolution and credit reporting practices. 

I am close to incurring consumer financial harm by not being able to timely get a mortgage due to a 4 month old dispute that Citi handled incorrectly. 

This should be a MRIA ( " Matter Requiring Immediate Attention '' ) - Citi clearly does not have an internal process to manage these types of consumer credit customer challenges.
Complaint sub-issue: Account information incorrect

1. On XX/XX/21 I sent a letters regarding inaccurate and unknown things on my credit report. Items from XXXXXXXX XXXX XXXX  and XXXX, XXXX were deleted from my report. On XX/XX/21 after I realized these items came back on my report without me being notified by writing in 5 days which is a direct violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), I immediately filed another dispute.

2. I know that Both XXXX XXXX XXXXs and XXXX, XXXX have incorrect, unvalidated information because things such as the date of last activity, date opened, account status among other things are not identical across all bureaus. They are in direct violation of Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

3. Equifax has 7 derogatory accounts without creditor names on them and medical information! This is another direct violation. How am I supposed to even verify an account if I don't even know who to contact. I also know that all of these offenses should be a {$1000.00} each that the bureaus owe me in compensation. 

4. I feel as if I am being taken advantage of and my disputes are being ignored. They should be deleted they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted.
Complaint sub-issue: Investigation took more than 30 days

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  Reported : XXXX XXXX, XXXX
Complaint sub-issue: Cashing a check

I deposited a California stimulus check using e-deposit on or about XX/XX/21. I endorsed the check electronically because I am XXXX and a senior citizen. 

Ally bank locked my account to investigate fraud. 

They said the funds would be release in a week then a month. I don't why they keep lying to me I have called the bank at least 5 times but they will not let me talk to the investigator. They keep saying she will get back to you but she never does. 

As I said I am a XXXX senior citizen and I need my money to for medicine, food and rent. 

I have not done anything illegal and no one will help me. 

Please contact them ASAP, I am sure this will solve my problem.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When I pulled my Equifax credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.
Complaint sub-issue: Frequent or repeated calls

Collector calls multiple times a week and repeatedly calls my place of employment even after I told them not to call my office. Leaves messages saying that they " must hear back from you by the close of business '', insinuating that there will be consequences. They have also started charging monthly interest which was not in my agreement for the original debt. I have received un-wanted attention from my management team at work regarding outstanding personal debt and for using company phones for personal business.
Complaint sub-issue: Public record

EQUIFAX is refusing to correct the release date for a state tax lien. I submitted the documents showing the correct release date of XXXX. On the reinvestigation report, EQUIFAX stated that the release date had been updated to XXXX as of today, it is still being reported XXXX which is incorrect. This lien has been paid on XXXX and has met the 7 year Statue of Limitations and should be removed from my credit report.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX That is a huge difference XXXX paints me as a XXXX. XXXX XXXX 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 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 one 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 accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Attempted to/Collected exempt funds

XXXX, XXXX XXXX XXXX Is garnishing my wages without notifying me first and without filing the judgment ( if it is accurate-still do n't know if it is ) in the state of XXXX where I reside, per XXXX law. 
The establishment is also in possession of {$100.00} erroneously withheld from my pay on XX/XX/XXXX. My pay was under the federal poverty level guidelines. It is my understanding that XXXX ( payroll processor ) has made several attempts to retrieve the funds and the establishment has not responded
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.