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

XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX XXXX CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Was not notified of investigation status or results

TODAYS DATEXX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX* Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Add-on products and services

This complaint is regarding a claim made under the " Damage & Theft Purchase Protection '' benefit included with the co-branded credit card " Costco Anywhere Visa Card by Citi. '' The Citi Card Benefits Request case number assigned by Citi to my claim is XXXX. 

This claim is regarding a portable air conditioning unit that appears to have an internal leak or damaged seal near the top of the unit. I assert that this damage is due to shipping damage : the manufacturer 's box, in which the shipped unit was delivered, was quite beaten up. There are numerous mentions on XXXX 's product pages stating that this manufacturer 's packaging often resulted in shipping damage of varying severity. 

However, Citi 's contracted benefits administrator, XXXX  XXXX XXXX, stated in their claim denial letter that the deemed the issue to result from an " inherent product defect, '' which is not covered. 

I have read the terms and conditions which state that damage because of a product defect are not covered. However, Citi is stretching the definition of a " product defect '' to justify denial of claims without evidence, beyond a reasonable person 's understanding of the term " product defect. '' Citi provides no justification for why this is a product defect, except maybe that the issue showed up shortly after purchase. By this logic, the Damage & Theft Purchase Protection is useless for any item that is shipped/delivered, and which may sustain damage during shipping, since Citi may well claim that the product was defective prior to shipping. 

Alternatively, if Citi does want to offer a " Damage & Theft Purchase Protection '' benefit that is so limited in coverage, then Citi should clearly list that shipping damage is excluded in the terms and conditions. 

As it stands, Citi is giving the impression that the benefit provides more coverage than it actually does, while unreasonably denying claims by stretching its interpretation of the wording in the terms and conditions.
Complaint sub-issue: Debt is not mine

On XX/XX/XXXX a letter from AlliedInterstate phone XXXX sent a collection letter to my son 's p.o Box claiming I owe XXXX XXXX {$560.00} ... I have not flown XXXX XXXX in more than 20 years. There is no possible way i owe an Airline any money. Please get this scanners in jail! ... 
Thank you, XXXX XXXX
Complaint sub-issue: Account status incorrect

I have reviewed my credit reports and I see that a company by the name of " Blackhawk Finance '' has placed a charge off on my reports. I have no recollection of said account with the company. The company is out of business according to the Better Business Bureau nor is it accredited.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Complaint sub-issue: No notice of investigation status/result

I have an old XXXX situation on my credit report, and the credit reporting agency will not do anything about it. They will not give me proper investigation results. Please can you help me with this matter?.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the following unauthorized inquiries due to identity theft on my credit report to Equifax. I also submitted to them a copy of my report to FTC about fraudulent inquiries. After the investigation, these unauthorized inquiries remained on my report, which are preventing me from obtaining new lines of credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX - EQUIFAX XXXX XXXXXXXX -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX
Complaint sub-issue: Information belongs to someone else

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Other problem

On JulyXX/XX/2021, I pulled my credit report from XXXX and immediately discovered that my identity was compromised. I filed a police report, an identity theft report, dispute with the credit bureaus, and sent letters to all of the creditors. 

All of the creditors in question removed the fraudulent accounts except for Discover Bank. They are refusing to acknowledge that I am a victim of identity theft. All of the accounts were opened when I was a minor child, approximately XXXX years old. Discover Bank was sent numerous documents validating my age at the time they claimed the account was opened yet they refuse to acknowledge the documents and refuse to remove this account from my credit file.
Complaint sub-issue: Debt was paid

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed. As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have supplied Citibank with all evidence of the Identity Theft, Gift Card Fraud and Payment Fraud that has been transacted on my XXXX XXXX and XXXX XXXX XXXX. All fraud charges have been re-added to my accounts though they were moved off and then on by several people in different groups without the proper documentation or or even access to each others notes. This has made this very stressful and I have sent in all evidence over 20 times now. Now the Executive Credit Unit is involved and they added everything back to both cards which is not only incorrect but based upon very poor work and communication, save three employees, in the past. The only reason I had this forwarded to the executive unit is because the accounts were closed and for no good reason other than bad information gathering techniques, bad notes and incomplete understanding of the truth which I have proved is a Fraudster ( s ).
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX  and Equifax on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor name that's listed on file.
Complaint sub-issue: Reporting company used your report improperly

Lexis nexis violated FCRA 15 usc 1681 while working with XXXX XXXX XXXX. Lexis nexis had removed the files pursuant to violating the fcra. I have sent lexis Nexis a invoice for willfully violating me. I demand that the invoices i paid in full in 10 days. and {$100.00} late fee for each day it is not paid after.
Complaint sub-issue: Their investigation did not fix an error on your report

I live in XXXX, Texas and sometime in XX/XX/XXXX my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, citibank and XXXX claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX County, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and Citibank to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and citibank has information on the multiple permutations of her name and fake names used to may phone payments.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it may concern, I completed a dispute regardi ng  XXXX  hard inquires. I then mailed a Multiple Inquiry Removal  Letter  on   XXXX   XXXX   XXXX     at  XXXX  p.m., by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that are being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX   The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for all inquiries that have be en disputed which was " Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response not once but TWICE 2-4 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. It appears this company has a generic response to these dispute investig ations. I am planning to purchase a home this year and having this many inaccurate inquiries on my credit report can display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does NOT belong to me. I did not sign for  ANYTHING.  This is unfair practices by a credit reporting agency with NO concern for the credit worthiness of a consumer.
Complaint sub-issue: Personal information incorrect

XXXX XXXX sent new report ( attached file ) -credit limit XXXX increased to three credit bureau . Credit bureaus need to update based on XXXX XXXX  document I attached.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries all fraudulent. Please investigate and remove from my reports immediately
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.
Complaint sub-issue: Reporting company used your report improperly

Equifax and XXXX is governed by 15 USC 1681. And they have violated my rights. I request that the accounts be removed. according to 15 USC 1681, I have the right to privacy and did not give Equifax or XXXX permission to publish the accounts listed below : XXXXXXXX XXXX XXXX  - ( This is an account with XXXX bank I'm unfamiliar with ) on my EQUIFAX report it is the only inquiry XXXX XXXX XXXX - Also on my XXXX report XXXX XXXX -- -XXXX
Complaint sub-issue: Information belongs to someone else

I am having an issue getting fraudulent information Blocked from my credit file. I sent in originally a copy of my police report. There were several Fraudulent accounts and most were blocked but I believe that whatever representative processed the paperwork must of missed one of the fraudulent accounts. This account is with XXXX XXXX act XXXX and XXXX XXXX XXXX XXXX. I am in the process of moving due to the Covid-19 and due to my credit score I am not able to submit an application.
Complaint sub-issue: Old information reappears or never goes away

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting
Complaint sub-issue: Problem with customer service

In order to receive assistance from a student loan repayment assistance program, I require a letter estimating what monthly payments I would need to make on my loan to pay it off by XX/XX/2022. The servicer is willing to state orally over the phone what payments I would need to make, but is unwilling to provide a letter with the amount.