Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 8. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX  XXXX- " Requested '' XX/XX/XXXX 10. ) XXXX- " Requested '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX- " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Complaint sub-issue: Their investigation did not fix an error on your report

First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.
Complaint sub-issue: Didn't receive enough information to verify debt

In late XXXX I purchased two appliances from my local XXXX store, where I'd shopped for decades, using my Sears credit card. I was informed that I'd be getting a new card .... and that delivery of the produce would be delayed until mid-XXXX. Items were installed by the third week of XXXX, and I began to get phone calls from " Shop Your Way '' XXXX, which I ignored, assuming it was a solicitation. I picked up today and learned that I was overdue for a payment in late XXXX,, and that this card was the " new '' card from Sears, never identified as Sears. I said I hadn't received a bill ; they said they mailed it. I said then please email me the bill ; no, I can not do that, I was told. I said, well, I can not send you my bank account info without seeing the bill, and that I protested the {$29.00} late fee they said I owed. I also said I had never heard of a card that began billing me before I had even gotten the appliances, plus I hadn't received the bill they claimed to have mailed. They didn't offer a way for me to set up an online account and pay them. They just wanted my bank account info. I said I would phone them back after I'd talked to my husband. At the end of the phone call, they asked for my email address and said they'd be sending me promotional material, which I don't want -- and after I hung up, I thought, WAIT. They've got my email address. Why can't they email me a statement? With contract information, which I have yet to even see. I went with Sears because I trusted them, but now I know I'm dealing with CitiBank, who apparently wants money back as soon as they lend it. And I just don't believe they are UNABLE to send me an email bill. That's ridiculous. Never again!
Complaint sub-issue: Problem with personal statement of dispute

I was on a payment plan for a medical bill with XXXX. I was making my payments on time for over 8 months. My debit card attached to my payments was compromised. Someone stole my info and was charging online. My bank cancelled my debit card. The same day my card was cancelled my XXXX payment went through and declined due to the card being cancelled. I realized this 5 days later when I was still looking at what was attached to that debit card number. I then made the payment. I was notified by XXXX a week later I was sent to a collection agency. I called the collection agency they stated if the balance was not paid in 21 days it would be reported to my credit report. I went to the XXXX office and explained the problem they stated if I could prove my card was stolen they would take the account back. I got all the info and submitted it to XXXX. They then told me they could not take my account back from the collection agency. I was NEVER late on a payment, so therefore how can I be turned over to a agency and 21 days later it was reported on my credit report. On the credit report it said I was delinquent since XX/XX/21. This all happened in XX/XX/XXXX. I thought you have to be 180 days late even to be reported to a collection agency.
Complaint sub-issue: Account status incorrect

This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from
Complaint sub-issue: Problem getting your free annual credit report

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, equifax, and XXXX  refuse to send my free credit report.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  report # XXXX Equifax report # XXXX XXXX  file # XXXX I am filing a complaint because XXXX, Equifax, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Received bad information about your loan

Hello. I have served as a public servant in higher education for the past 13 years. I recently submitted my application for Public Service Loan Forgiveness after successfully making 120 on time payments over 10 years. I work for an XXXX XXXX XXXX- The XXXX XXXX XXXX. My application was submitted on XX/XX/XXXXXXXX  to my servicer ( FedLoan Servicing ). I received a response on XX/XX/XXXXXXXX  indicating the Department of Education needed additional time to verify my employer. I found this to be a bit perplexing since the XXXX XXXX XXXX ( my employer ) is responsible for reporting all student loan federal compliance reporting data to the department as well as fed loan. If they should know who anybody is, it's my employer. I have checked in every month since then, most recently on XX/XX/XXXX. There is still no update on the status of my request and now I am receiving emails from the department requesting that I prepare myself to reengage in payment cycles after XX/XX/XXXX. Please help me in resolving this so that I can receive my PSLF. I have diligently complied with the requirements over the last 10 years and feel this wait time is absolutely not right. Thank you very much!
Complaint sub-issue: Deposits and withdrawals

Unable to connect day trading account with PNC bank account
Complaint sub-issue: Account terms

On XXXX XXXX, 2016, I disputed charge-off information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX. This company refused register mail from my attorney, which I have retained to assist me in resolving the matter. However, company has electronically updated the information on Equifax results dated XXXX/XXXX/2016. I then contacted Equifax to re-investigate matter providing the company with refusal confirmation from USPS and letter from company. Equifax has refused to update information given the information that I provided. I have used all methods provided by Equifax to contact company including telephone number and mailing address. When I have received now response, I employed an attorney. I believe Equifax has violated the FCRA by not reviewing documents that I provided or even taken it into consideration of continuing to report items on my credit report. I did advice Equifax that I am in the process of purchasing a house, and its actions are adversely affecting me.
Complaint sub-issue: Old information reappears or never goes away

IpaidmyloaninfullhoweverIwasstillreportedasbeinglateonmypaymentsthecreditorhasremovedthisinformationhoweverXXXXcreditbureaushaverefusedtoupdatethecorrectinformation...
Complaint sub-issue: Didn't receive terms that were advertised

I clicked a link on XX/XX/2021 to open XXXX checking and savings accounts. The terms stated that if I deposited > {$200000.00} within 30 days and maintained that balance for 60 days, I would receive a {$1500.00} bonus within 90 calendar days.

I deposited {$210000.00} between the two accounts on XX/XX/2021 and have maintained the balance since then. I called over the summer and an agent confirmed that my account was eligible and I would receive the bonus by the end of XXXX. 

Having not received the bonus I called again on XX/XX/2021 and the agent confirmed the promotion was linked to my account and I should have received the bonus. They opened an internal case and was told I'd hear a response within 5-7 days. 

On XX/XX/2021, I called back and the agent said there was no record of the promotion being tied to my account and also no record of my call on XX/XX/2021 ( which I received an email survey asking me about ).
Complaint sub-issue: Account status incorrect

FedLoan Servicing reported me being 90 days late in XXXX of XXXX. In XX/XX/XXXX and again in XX/XX/XXXX I called and told them that I had lost my job and they said that I would be placed in forbearance. I went to apply for a home loan and noticed that on all three reports that I was marked as 90 days delinquent on all 9 accounts. I contacted FedLoan Servicing and the agent told me that he saw where I called in both times and that I should have been in forbearance during that period. He said he would make a not on the account saying such. I checked a few months later and noticed it still said the same thing. I called again and this time the representative instructed me to do a Credit Dispute form. I did so and within a week it was denied. I did this 2 more times, each time a different representative telling me to do and submit different information. I was told by a representative tat if I wasnt very specific that they may not even look at my information and just deny it because no one wants to look through and figure all this out. I submitted the proof from my credit reports circled and highlighted the information. I was still denied. I havent had a late payment on my credit report in years because I knew I wanted to purchase a home this year. I am becoming very frustrating and not confident in our institutions. I have been doing what they tell and submitting documents and keep getting denials without response other that its valid. I do not understand how if they can see my phone calls that they wouldnt know that I requested a forbearance.
Complaint sub-issue: Deposits and withdrawals

I opened a new account with US Bank in Arizona with a cashier 's check for in the {$20000.00} range and automatically was informed that there is a automatic 5-day hold for that which was fine however after the 5 days was passed I went to remove funds from my account and there was another whole place on my account asking for address verification and I submitted a registration on a vehicle for address verification and was informed that as soon as I did so my friends would be released in the hold would be removed and that's not the case they inform me incorrectly or change their mind because now they are saying that the funds or the registration needs to be reviewed and then the funds will be released I've been without my money for now 7 days with this Bank when I deposited a cashier 's check just as good as cash I could have cashed it at a check cashing place and had my money and not been in a predicament or situation where I'm without my money I need help or someone to review my situation and press that my review takes place in my money is released so I can use it as needed
Complaint sub-issue: Debt is not yours

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by _____ immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Complaint sub-issue: Problem with fees

XX/XX/XXXX Citi Cards Customer Service Box XXXX XXXX XXXX, SD XXXX Re : Account XXXX XXXX XXXX XXXX Gentlemen : In a telephone conversation with your agent on XX/XX/XXXX, I disputed a late charge which appeared to be waived, but was subsequently reapplied together with interest charges to my account. I normally pay my account two days prior to Citis due date and confirmed that the payment in question had been issued by my credit union timely. 

Subsequent statements indicated more fees and charges based on that same event. I disputed the reapplication and additional fees in a subsequent telephone call, however your representative declined to remove the fees and rudely told me to post payments four to five days earlier so Citi had adequate time to process them. 

I shall not allow Citi to apply fees and charges due to its inefficiencies and, as stated to that representative I shall not waste my time to speaking to rude personnel. 

I paid all current charges cited on subsequent statements, but not fees and charges. I demand said fees and charges be reversed and the account returned to a XXXX  balance. I shall not use the account until such is done. Should Citi refuse to do so, please close the account and note it was done at my request.
Complaint sub-issue: Public record

Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently came back from an XXXX  travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my XXXX XXXX credit bureau however no changes have been made.
Complaint sub-issue: Problem with customer service

I called the Citi Prestige card number regarding unauthorized charge on XXXX from XXXX in the amount of {$17.00}, andXX/XX/XXXX from XXXX in the amount of {$7.00}. According to Citi, those charge originated from XXXX XXXX XXXX and XXXX XXXX XXXX respectively. 

After the automated system put me with their customer service, I informed them that I need to speak to the fraud department, and transferred me to another agent. I explained to the agent that there are 2 unauthorized charges on my balance. The agent asked is I ever gave them my credit card numbers, and I told her " no. '' She INSISTED that maybe I gave XXXX my credit card numbers, and AGAIN, I told her that I NEVER give XXXX my credit card numbers. She asked me if I'm sure that I have never gave XXXX my credit card numbers, because she claims that this came from one of my old credit card numbers. 

At that point, I requested to speak with her supervisor, and indicate to her that she is wasting my time and made another request to be transferred to her supervisor. She raised her voice at me, indicating that she is NOT wasting my time, and REFUSED to transfer me to her supervisor. I hang up the phone and call back. 

On my second call, I immediately requested to speak with a supervisor, but instead I was put on hold for 10 minutes and disconnected. 

I called back again, for the third time, and requested to speak to a supervisor. I was transferred to an agent who identify herself as XXXX, from department XXXX. I let her know about my issues with the previous 2 calls, and asked her to give me an explanation about those behavior. Instead, I was met with silence for a good 10 minutes and my line was cut. 

I called Citi the 4th time, and when someone picked up the phone, they immediately say that they are having system issues and quickly hang up the phone! 

I have been a using the Citi Prestige Card for approximately 5 years, and paid an annual fee of {$490.00}. I'm really disappointed, hurt, and angry because of the treatment from the customer service agents, especially when I'm calling about two fraud charges on my account. This is something that needs to be taken care of right away, instead the customer service agent violated my rights to dispute those fraud charges, doubt my judgement, and borderline made false accusation that I authorized these charges. 

I wish the initial phone call really just went smooth as any other fraud calls. I wish that they would put a fraud hold on my credit card, quickly overnight a new credit card to me.
Complaint sub-issue: Frequent or repeated calls

None of the options related to my situation but it is an illegal communication tactic that I wish to report. 
I am reporting an abusive, deceptive, and unfair debt collection tactic practiced by XXXX XXXX. According to what I have read and understand under The Fair Debt Collection Practices Act Debt Collectors can not contact you through your work email. On XX/XX/2018 this is what I received in my Real Estate work email. See below. I feel this to be deceptive and harassment.

From : XXXX XXXX XXXX Email : XXXX Home Phone : XXXX-XXXX-XXXX BuyerSeller Just Looking Doesn't want mortgage pre-approval Not working with an agent About This Contact Interested In : All Types 0 bd, 0 baths Contact Profile : BuyerSeller Just Looking Doesn't need mortgage pre-approval Not working with an agent
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is not reporting accounts accurately. I have contacted them about my XXXX XXXX credit account ending in XXXX with XXXX XXXX  & XXXX XXXX account ending XXXX also with XXXX XXXX  several times to have them added to my report & updated properly. I have contacted the company & they stated that they are sending monthly updates to Equifax but they are refusing to update the information.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, US BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

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. Equifax is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Account status incorrect

Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.