Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Equifax is leaving case XXXX open but sent the attached letter to me which shows again that they did not conduct an investigation per my request which is a violation of my rights under FCRA. They also did not conduct the investigation per my CFPB complaint. They are clearly showing no regard for the FCRA. Their non-compliance under section 616 of the FCRA is greatly affecting my ability to obtain credit. If these inquiries are not immediately removed, I will file a complaint with the FTC and Attorney General with the proof of there violation and proceed with filing suit through my local court system.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2019, someone, ( not me ), applied for a Citibank credit card. I contacted the company and asked them to remove the information from my credit report and their files. They stated they could not help me and advised me to file a complaint with your bureau which I did. 

They denied my complaint. They stated I did apply for the card because my old address, SSN, name, and date of birth were used. Therefore, they would not correct the information they filed about me with the credit bureau. 

I have since learned, my personal information to include name, date of birth, SSN, and physical address were among the millions compromised in the XXXX Data Security Breach announced at the FTC 's website on XX/XX/2019. When I entered my last name and last 6 digits of my SSN on the FTC 's website, they informed me my information was compromised by the XXXX breach. 

Additionally, I sold the house ( XX/XX/2019 ) used as the physical address by the credit card applicant on XX/XX/2019, and moved from that residence on XX/XX/2019.
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Account terms

I an complaining about XXXX card which is inaccurately showing XXXX late payments. 
XXXX representatives XXXX had promised to remove the information 2 months ago. Recently another rep called me. After lengthy discussion, XXXX representative said we will remove those late payments if there were charges due to fraud. I told them, that if you see records you will see that XXXX has already given me credit for fraudulent charges and balance was zero and new card was sent. And now XXXX is reneging on the promise to remove those XXXX day late charges. XXXX had my statements returned by USPost for no fault of mine and there were fraud charges so why my credit should be damaged, especially when they admitted on recorded line that my credit was excellent except those reporting. She transferred me to XXXX different departments, no one picked up. 
Is this the customer service a loyal regular paying customer deserves, or is it even legal to damage credit like the way they are doing. I am sending this letter copy to all credit Bureaus so they can remove the late reporting as they are hurting me to obtain decent mortgage interest. 

XXXX XXXX XXXX : XXXX, Equifax , XXXX
Complaint sub-issue: Fraudulent loan

Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.
Complaint sub-issue: Information belongs to someone else

Ive been A victim of identity theft!! Ive sent numerous ftc reports to both XXXX & Equifax. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both Equifax and XXXX responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA
Complaint sub-issue: Information belongs to someone else

Hello My Name Is XXXX XXXX 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Funds not handled or disbursed as instructed

I was employed at Citibank from XXXX. The 401k contributions from Citi are deposited only once a year. XXXX Citi contributions were deposited in XX/XX/XXXX. I had already rolled over my existing monies in my 401k previously. I was never sent any notice, email, letter, etc. stating that if I did not choose to do anything with the monies deposited it would automatically roll over to a Citi IRA. I received an email today, XX/XX/XXXX stating my statement was online to review. There was no account number or information other than it was now in an IRA and amount. I called and was informed the monies were with a different bank and they ( other bank ) would have been the ones to let me know about a 30 day response period. It was then eventually it was sent back to Citi and placed into a Citi IRA. I believe Citi should have sent information. When I tried to take appropriate steps to roll over my monies, I was informed they had blocked my account. Was told point-blank they would NOT be unblocking my account until KYC forms and documents were filled out, which is required for new customers. I am not a new customer, never authorized to be a new customer. Citi could not explain why I never received documents to fill out. I find it puzzling how there could already be a block on the account. It has not even been 90 days. I need the account block removed so I can roll this over.
Complaint sub-issue: Can't close your account

For three months we have received fraudulent charges to our Citi Diamond Preferred Mastercard. At first they reversed the fraud charges and reissued our cards. Then 2 months later we are still receiving fraudulent charges that they say are coming from the original card. We asked them to reverse the latest charge and close the account, but we just received an email stating they reversed the charges and are sending us new cards. I have called at least 5 times about all of this. It is next to impossible to get a person and when you do they don't seem to know what to do. I've asked for a supervisor and they hang up on me. I don't want this card, I do not want to deal with this company, and I am at the end of my patience We don't even use this card. I think it's astonishing that you can't get a customer service person that has the authority to take care of this.
Complaint sub-issue: Was not notified of investigation status or results

It has come to my attention that the credit collection company doing business as PDQ Services Inc located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX is in violation of my State of Pennsylvania Licensing Requirements for collection agency activity and is hereby breaking the law that protects my rights as a consumer. 

They have furnished a debt to XXXX and XXXX credit bureaus in the amount of {$18000.00} in which they claim I owe to PDQ Services. They mailed me a letter to my address requesting payment. I mailed a certified letter XX/XX/2022, to their address listed on my report which shows as PDQ Services Inc XXXX XXXX Ct XXXX XXXX XXXX GA XXXX requesting validation of this debt along with proper legal documentation showing that I am responsible for this debt they claim I owe. 
To date they have refused the accept the certified letter with signature verification for delivery. I contacted the post office and they stated it would be up to the partys discretion as to whether or not they wanted to sign for the letter, otherwise the letter would be returned to me. PDQ appears to be avoiding proper compliance by refusing to sign for my certified letter.

After further research of this company, I have proof they are in violation of Pennsylvania law and my rights as a Pennsylvania resident. The State of Pennsylvania law requires that in order for a collection agency to contact PA residents seeking collection of a debt they must first be bonded in the amount of at least {$5000.00}, have a background check and be licensed, none of which they have. I will attach these requirements to this complaint as well. 

Because they are breaking the law and violating my rights I'm requested the following resolution below.
Complaint sub-issue: Public record information inaccurate

I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),
Complaint sub-issue: Contacted employer after asked not to

AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Problem getting your free annual credit report

I requested a free copy of my annual credit report in XX/XX/2020. Equifax requested identity documents. I sent them a copy of my power bill with current address and social security card with the page and report number, etc that they sent and asked me to return. They took my documents and never responded. They stopped providing me credit reports several years ago. In fact I have not been successful in obtaining my credit report from them since they exposed MY DATA in the data breach. 

I believe it is a violation of my FCRA rights for them block me from my own credit report like this, repeatedly.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried XXXX times within this month, XXXX separate disputes with XXXX, to remove an erroneous credit account with XXXXCBNA. I have never had a XXXX account, the woman I spoke to at XXXX   associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. XXXX will not give me contact information so I can dispute it with XXXXCBNA. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed there were a few inquiries on my report that I did not recognize. & had not applied for. I contacted Equifax and told them I did not apply for anything from XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX and requested that it be deleted and they refused. I want this deleted ASAP.
Complaint sub-issue: Charged too much interest

I was paying off in full the amount due on Citi Costco credit Card.

At that moment the Citi Costco credit Card system gave me three options:1 ) to pay the minimal payment 2 ) to pay in full ; 3 ) or to pay another amount. I opted to pay in full! The Citi Costco credit Card system indicated the total amount that was expected to be paid for account to be considerer paid in full, I paid on XX/XX/2021 the amount of {$6000.00}. I made the payment to Citi before the due date, I have disputed the extra charge of {$66.00} with Citi Costco bank and indicated to them that at the point I was paying off that the full amount paid was the amount required to be paid in full payment now I am surprised you are charging me XXXX because they received the payment on XX/XX/2021 ... This is robbery!!! 
The contact information for a formal complaint should be sent to this address : Office of the President c/o Citicorp Credit Services , Inc. ( USA ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ID XXXX ''
Complaint sub-issue: Reporting company used your report improperly

XXXX ( XXXX ) Unauthorized Hard Inquiries Equifax ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX XXXX {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act Convergent Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy.

15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions or Consent
Complaint sub-issue: Didn't receive enough information to verify debt

I have not lived at XXXX XXXX XXXX since XX/XX/XXXX and Hunter Warfield put on my credit that the debt was opened in XX/XX/XXXX for an eviction. I haven't received any documentation and I am not sure who lived there in XX/XX/XXXX but I can prove I haven't live there since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with theFair Credit Reporting and 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. 

XXXX XXXX XXXX. Account # XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX Bank. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXX Date Opened:XXXX Balance : $ XXXXClosed Late Date XX/XX/21
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX charged the credit card 3 times for the same purchase XX/XX/XXXX - day of original transaction {$1500.00} and agreed upon amount XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XXXX  XXXX  credited the card one time after being contacted XX/XX/XXXX ( {$1500.00} ) CitiCard issued two conditional credits XX/XX/XXXX ( {$1500.00} ) XX/XX/XXXX ( {$1500.00} ) CitiCard reversed both conditional credits XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} Resulting in an overcharge of by {$1500.00} Several phone calls, letters, emails, and filing of disputes with CitiCard never cleared up the matter even though agents on the phone said this would be taken care of. Further invoked XXXX XXXX dispute resolution without success.
Complaint sub-issue: Problem during payment process

Citibank is exploiting the corona crisis to fire support staff and hang up on people. Phone support automatically hangs up. The website automatically logs you out. This didn't happen on XX/XX/XXXX It is almost impossible to pay a credit card which Citi wants to collect more late fees. More fees, less employees -- - profit off of a pandemic.
Complaint sub-issue: Debt is not yours

This debt popped up on my credit file today. Ive recently paid off all of my outs and debts. Ive never seen this debt before. I called the collection agencys phone number listed on XXXX a few times and I kept getting a personal voice. I believe this claim to fraudulent as letter or anything of this unknown debt has been sent I also looked up the company and they are known for buying very old debts and trying to collect. Please remove.
Complaint sub-issue: Old information reappears or never goes away

All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.
Complaint sub-issue: Trouble with how payments are being handled

When reviewing eligibility for months that count towards XXXX I noted that loan months from XX/XX/XXXX to XX/XX/XXXX are eligible ; however, months XX/XX/XXXX to XX/XX/XXXX are ineligible. This does not make sense as the status of my loans during this time were the same and therefore should also be eligible. I did have a qualifying employer during months XX/XX/XXXX to XX/XX/XXXX which FedLoans should already have on record. I would like these months counted towards my XXXX qualifying payments. I have attempted to contact FedLoans ; however, no one is able to answer this question.
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. 

Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX XXXX # XXXX Account ; # XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 seven years.

15 USC 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: Card was charged for something you did not purchase with the card

I am a victim of identity theft. I recently learned that my personal information was used to make fraudulent charges on my credit card. Ive made several phone calls & sent several letters, and emails asking for this account to be removed off my credit as it is about {$450.00} worth of fraudulent charges. This account has been hindering me and causing emotional distress for almost 3 years and preventing me from purchasing a home. I am being punished for something I didnt do. Ive even noticed XXXX listed this account as a charge off and tax write off.
Complaint sub-issue: Account information incorrect

XXXX Account XXXX XXXX Continuing to report inaccurate information on my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.