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 confidentially under 15 USC 1681. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX & EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Complaint sub-issue: Debt is not yours

I dont own money to this company I C System please send me evidence to my address that I owe This company with evidence that i XXXX XXXX signed this contract. Again I dont own {$380.00} to this company. 
Thanks
Complaint sub-issue: Frequent or repeated calls

I received several phone calls from this number Including my family members are receiving phone calls from this number XXXX. I called them back to find out what company its, The Company calling me and my family members is ICS. 
I don't know what are the phone calls about I haven't receive none information in written just phone calls asking me for my Address, they want to know my address. I denied it to give such information.So At this time I would like to ask the CFPB to contact them to cease and Stop this phone calls because I believe this debt collector is violating my consumer rights under the XXXX.
Complaint sub-issue: Public record information inaccurate

The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I 'VE HAD CALLED XXXX ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS
Complaint sub-issue: Can't get flexible payment options

I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

On Wednesday XX/XX/2019 I attempted to open an online Discover savings account. During the process, it asked me to initiate a one-time transfer from XXXX  XXXX XXXX for {$15000.00} to fund the account. Near the end of the process, the application errored out. I was unable to get an account number or log in info- nor did I receive any texts/emails that an account was opened. I called in to get the information. I received the account number and then was able to register and create an account online. After this, I checked my transfer activity- there was no transfers listed. So I initiated a one-transfer for {$15000.00}. Today on XX/XX/2019 I see that now my transfers were completed twice- overdrafting the linked account. There was no indication that 2 transfers were pending or occurring. Even logging in, it only shows one completed transaction of {$15000.00}. This bank 's technical difficulties have overdrafted my original linked account, without letting the consumer know that an account was even successfully opened! I would never have known if I didn't call in right away.
Complaint sub-issue: Debt was paid

We paid a debt for medical services and provided a receipt and bank statement proof that it was paid. They called threatening to send our debt to collections several times despite us asking to only communicate by certified mail. We then paid the debt a second time, due to the threats. Now, we are being harassed by a collection agency with calls and mail asking for the debt. When asked, the original creditor would not contact the collection agency to retrieve the file.
Complaint sub-issue: Problem with fees

I was using a Citi XXXX XXXX card for years. After a horrible 4-month fraud " resolution '' nightmare in XXXX, I decided to start using a different credit card from my main bank, XXXX XXXX XXXX. 

I called Citi to close my account on XX/XX/XXXX to close the card, as I did not want to pay the annual fee that would trigger on XX/XX/XXXX. They said that they would waive the fee for next year, as they would like for me to keep using their product. Except on the next billing cycle, the annual fee was on the bill. I called to say that I was going to cancel the card, as my wishes were not followed, and they said it was too late and started making threats against my credit score for not paying the {$450.00} fee. 

I told them that I wanted to cancel the card. They would not process the cancellation of the card due to the unpaid balance. I will not pay this fee that they specifically told me I wouldn't have to pay. As such, Citi has  been just adding more fees and interest to this {$450.00} ever month since XX/XX/XXXX. I believe the amount is around $ XXXX, and now they are sending debt collectors after me and my credit score. How do I put a stop to Citi Cards? Please help!
Complaint sub-issue: Problem during payment process

Payments were made to XXXX XXXX via on-line payment service on XX/XX/18 and XX/XX/2018. After that date, XXXX 's notified me that payment was overdue, charged a late fee and submitted 30 day delinquency to credit reporting agency. I have been in contact with XXXX XXXX XXXX XXXX several times in the last 60 days to resolve this issue with proof of payment received by XXXX 's but have not been able to resolve. I opened a formal dispute in early XXXX. XXXX 's instructed me to obtain verification from my bank to verify the payments were made. I obtained the requested documentation directly from the bank and submitted to XXXX XXXX. No correspondence was receive from XXXX 's regarding the dispute for over 2 weeks so once again I contacted XXXX 's for update. The customer service rep indicated that the documentation provided was insufficient to find the account where the funds were credited. She once again requested information from my bank. I submitted the verification directly from my bank, the documentation included the ACH history from my account to XXXX 's account at XXXX. The verification provided XXXX routing number, trace number, bank account number, amount of payment and date. This was faxed on XX/XX/XXXX ( can provide proof ). No response from XXXX 's until week of XX/XX/18 ( message left on recorder ) that they were closing the dispute due to lack of my response. On XX/XX/18, I called XXXX 's to check on status and was instructed to obtained further information directly from the bank that verified XXXX/XXXXreceived payments of {$60.00} on XX/XX/18 and XX/XX/18 from my account. I was also reminded that even though I could prove that funds were submitted to XXXX 's that unless they could find where the funds were credited, they would not give my account the credit and would not remove the late payment. I once again obtained information directly from bank that included EFD withdrawal from my account to XXXX 's including account number, amount and date. This documentation was faxed on XX/XX/18. 
Today ( XX/XX/18 ) I once again called XXXX 's to check on receipt of documentation and they indicated they just received today and would review. I have no confidence that this will be resolved without intervention since I have been told that they will not acknowledge payment receipt until they can find where is mistakenly applied. 
In addition, I have applied for a mortgage and this is the only late payment on my credit report. Since it was so recent, the late payment has dropped my credit score and I will have an increase in rate. I am struggling that this financial institution will not act responsibly to address the dispute and credit my account when proof of payment has been repeatedly provided.
Complaint sub-issue: Trouble with how payments are being handled

This is a continuation of my most recent complaint I just made this evening as well as Responding to XXXX Letters in regards to my last complaint. 

Now please mind you it's been two years since I last had a complaint. Things were going well, and I was just making my payments. 

XXXX can not leave well enough alone and has to find a way to put a wrench into the gear and create problems. Funny how they have to use a forbearance ploy to up my interest which is another lie, as I was told by their reps that only once a year in XXXX was I to see any increase. 

The plan once again, that I am under is a XXXX XXXX XXXX plan. NOT an extended level plan they speak of. 

Fixed means fixed that is the standard banking term, period. 

I would also like to address my " vulgar and abusive language. '' First of all, I do not work for your company, therefore my behavior can not be construed as " unprofessional, '' Second of all, your employee XXXX # XXXX blatantly lied to my face and said the Department of Education placed my account in Forbearance because I live in a " Disaster Zone. '' Really? And what disaster zone would that be?? 

She could not tell me. 

Your reps with their lies, your ploys to increase monthly payments, toy with those under your thumb, lead to anger and hostility because one can not believe the pile of XXXX that comes out of your representatives mouths. So to the Director of Loan Operations. 

Please cease and desist with your utter lies, and extremely Decitful UNPROFESSIONAL BEHAVIOR and perhaps people and myself would actually have more respect!!! 

You have placed me under such mental anguish that once I receive a letter from you it automatically sends me into a mental tailspin. I am surprised I have not yet had a XXXX XXXX and if I ever do, you will be the cause. 

You treat me with respect then the same will be reciprocated. Otherwise back off. You understand. 

You make any changes to my account without my consent and I will be on you like flypaper. And if you think I am one inkling afraid of you. Guess again.
Complaint sub-issue: Problem getting my free annual report

Each time I put in who I am I can never get my score
Complaint sub-issue: Information belongs to someone else

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Complaint sub-issue: Other problem

I applied for a Macy 's Credit card since I would receive a certain percentage off my total balance in Fall XX/XX/XXXX. After making that initial purchase, I made my first payment when I received the bill. Knowing my credit limit of {$800.00} was at around {$600.00} now, I tried to make a purchase of around {$200.00} for new work clothes that I needed. The purchase went through online, but later I received an email from Macy 's stating the purchase was canceled. I tried it a second and third time with the same issue. I called customer service to speak with someone about it. Spoke to three different people. Each person couldn't tell me what the issue was with the account. The third person was lying to me telling me my available credit was at {$0.00}. I told her I was looking at the available balance while speaking with her and showed an available balance around {$600.00}. She said I was incorrect because of the purchases on the card. However, I explained to her again that ALL PURCHASES WERE CANCELED BY MACYS SO THERE SHOULD NOT BE ANY CHARGES BESIDES MY INITIAL CHARGE. She put me on hold for 15 minutes then came back on stating I was correct and asked which purchase I would like to keep because it would ABSOLUTELY go through this time. She gave me a confirmation number and then 10 minutes after hanging up the phone, I got the cancellation email for the purchase AGAIN. So, I called them back angry demanded my FULL PAY OFF amount and to close my account out. They told me my full pay off amount was {$99.00} and some change. I told her I would be mailing a check that day for that amount and asked 3 separate times that after this last payment there would be no other charges. I was assured that it would be only payment I would have to make and that the account was then closed. Fast forward to XX/XX/XXXX, I received a bill for {$10.00}. I called, received no one. Moved and forgot about it until I got my updated credit score. A drop of 88 POINTS BECAUSE OF MACYS. I am beyond angry in regards to this matter. I was told everything was taken care of multiple times, that my card was COMPLETELY paid off, and here I was MONTHS LATER being told I owe {$10.00} with an 88 point drop in my credit score. I paid the now {$12.00} due to interest on this ridiculous card and my score only saw an increase in 16 points. Even while paying it, I wasn't informed on what the XXXX XXXX was or why I received it even when I asked. How can they get away with this? How many people have they done this to? I only had the card for 2 weeks due to their XXXX customer service and will suggest that absolutely NO ONE gets a macy 's credit card or they'll be suffering this XXXX.
Complaint sub-issue: Reporting company used your report improperly

Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

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

Also...

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

XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 __________________________ XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX __________________________ Equifax XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX Reported : XX/XX/2019 {$0.00} Closed
Complaint sub-issue: Account status incorrect

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Personal information incorrect

Just needing to remove my old addresses and phone numbers from my credit report. And keep my current address and phone number.
Complaint sub-issue: Old information reappears or never goes away

Fraudulent account identity theft XXXX XXXX XXXX XXXX Amount XXXX Open XX/XX/XXXX This account has not been showing on my credit report previously This account has been deleted for about 4-5 years now and somehow reappears on credit report in XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX   of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Complaint sub-issue: Problem getting report or credit score

I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.
Complaint sub-issue: Information belongs to someone else

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account XXXX XXXX XXXX XXXX and XXXX ). Because the accounts being reported by your company, XXXX, Equifax and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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.
Complaint sub-issue: Investigation took more than 30 days

Citibank best buy has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the XXXX credit XXXX XXXX Citibank hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the XXXX. 

The payment was withheld regarding the disputed amount pursuant to the XXXX credit XXXX XXXX. 

In Or Around XX/XX/XXXX, Citibank issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section XXXX of FCRA, the XXXX XXXX and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.