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

Dear CFPB, I would like your assistance with XXXXXXXX XXXX inaccurate reporting. They are reporting different amounts and dates on this account with Equifax, XXXX, and XXXX. They have also failed to the note " account in dispute '' with the comment that " Consumer Disputes This Account after several of my disputes with each credit bureau which are also FCRA violations. I have requested proof and corrections of this account several times, I have talked to their representative who informed me that at certain times they would not report me late because they were just doing me a favor at the same time telling me that they must report accurate information ( This conversation took place on XXXX XXXX at phone # XXXX which lasted one hour 13 minutes which was also recorded by XXXX XXXX ). The representative also informed me this account had become current between XX/XX/XXXX and XX/XX/XXXX, which I immediately disputed. I wrote them a Certified Letter ( XXXX XXXX XXXX XXXX XXXX asking for an investigation of the accuracy of the reporting of this account. Specifically, the Date of First Delinquency and they still updated different information with each credit bureau ( CLEAR VIOLATIONS of the FCRA ). 
I also requested the documentation and my signature that would have allowed XXXXXXXX XXXX to renew or bring this account current after XXXX of XXXX I received a letter with XXXXXXXX XXXX XXXX response dated XXXX! XXXX, XXXX stating how they would report this account to the credit bureaus. I disputed this information again as inaccurate and mailed another certified Letter ( XXXX XXXX XXXX XXXX XXXX ) asking XXXX XXXX for all the information pertaining to this account, including the document that allowed this account to renew or become current anytime during this loan. 
! am now requesting a deletion of this account permanently from all credit reporting agencies after providing proof of XXXX XXXX updating my credit reports with the credit reporting agencies with inaccurate and incomplete information. My latest request to XXXXXXXX XXXX for all information pertaining to this account on XX/XX/XXXX was answered with a letter from XXXXXXXX XXXX dated XX/XX/XXXX asking me for supporting documentation of my request, which is what I was asking them for since they are continuing to update different information to each credit bureau and change information each time I dispute with the credit bureaus. It is my belief that XXXX XXXX should provide me with the information that I requested or delete this account permanently from all credit agencies they are reorting this account to. XXXX XXXX has failed to provide me with a complete account payment history, balance history, interest rate disclosure, pay off disclosure, all signatures pertaining to this account that l have signed, including digital signatures and any signatures that would have allowed this account to renew or become current. 
I am uploading my supporting documentation with this request. 

Thank you, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).
Complaint sub-issue: Information belongs to someone else

This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax PXXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Debt is not yours

This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.
Complaint sub-issue: Billing problem

My mother’s credit score at the time was low resulting in the need for a co-signer. The loan was approved only under the circumstances that I was listed as the primary on the loan.“The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq., is the collection of federal statutes that protects consumers when applying for or receiving credit.”First problem previously reported to Ally Auto: the auto loan does not reflect on my mother’s credit, just mine. As a result of such practice, I cannot partake in the option to be released from the auto loan therefore, preventing my mother from establishing and or maintaining her own credit after 2 plus years of payments. “The Fair Credit Reporting Act (FCRA) and its implementing regulation, Regulation V, require that furnishers of information to consumer reporting agencies ensure the accuracy of the data placed in the consumer reporting system. Additionally, the FCRA prohibits the use of consumer reports for impermissible purposes, and it requires users of consumer reports to provide certain disclosures to consumers.”Second problem: As part of the loan agreement, the lender is required to give all parties written notification when the other party is late with a payment and or makes changes to the account/loan terms and conditions. This has not been honored by Ally since the commencement of the loan even after making several verbal request. Third problem: Both Ally and my mother reported making a payment arrangement (in both negative credit reporting situations) which is supposed to deter negative reports on my credit. This is now the second time I have had to contact customer service regarding a delinquent payment reported incorrectly on my credit after a payment arrangement was made. Not once, was I informed of the late payment/arrangement nor given the option by the Ally to make the payment.At no time during either situation of the approved and thoroughly documented payment arrangement did Ally communicate the terms and conditions of such option(via letter, email or by phone) to me as the primary borrower on the loan. As a consumer, it is imperative to be properly informed of any changes occurring that may potentially hurt my credit. Ally does not consider such practice of informing all parties on the loan of any drastic changes. Therefore, Ally has intentionally violated the terms of the loan and the regulations of the law that protects consumers from misappropriation of information reported to the credit bureaus .
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a phone call from a company claiming to be XXXX. I was advised that someone had tried to hack into my XXXX computer and that I needed to update my XXXX contract. I was told it would be {$200.00} and that I would get a discount with a Citi credit card ( Citi may be in on this ). I received an email indicating that I had been in contact with XXXX. I gave XXXX my CitiCostco credit card number for one transaction. The next day, I realized this was a fraud and I called Citi. I was advised that only one transaction had gone through although several other had been attempted but not authorized. My card was terminated that same, next day, and a new card was issued. I later got a statement saying I owed approximately {$700.00} for charges including three additional charges for the day I called to report the fraud. I called Citi and was told I did not have to pay the fraudulent charges. I later got a letter from Citi ( no appeal process ) stating I " participated '' in the scam so therefore I am liable. I wrote Citi on XX/XX/2019 in a certified letter stating the situation. I never received a certification proof but the post office advised me that Citi received my letter. After hours of calling Citi, I was advised that an investigator had been trying to call me and that I still owed the {$700.00}. I have not heard at all from Citi except when I have called and spent hours on the phone. They continue to bill me and even sent me another credit card!! 

These are fraudulent charges in which absolutely no service or consideration was provided to me.
Complaint sub-issue: Didn't receive terms that were advertised

I qualified for the Pave The Wage Promotion with Moneylion, opening an account at the end of XX/XX/XXXX and making direct deposits of greater than {$3000.00} every two weeks starting XX/XX/XXXX. I was supposed to get {$590.00} after 90 days for maintaining that direct deposit, but have not received anything and no resolution from customer support despite multiple attempts.
Complaint sub-issue: Didn't receive enough information to verify debt

Most recently I have been disputing these accounts with Equifax around XX/XX/XXXX early XX/XX/XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Equifax on XX/XX/XXXX. Equifax has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Complaint sub-issue: Deposits and withdrawals

I sent a foreign check in the amount of XXXX Euros to my Discover Bank checking account after confirming multiple times in multiple instances that they were able to provide such a service. I was told from the very beginning that the check would take 6-8 weeks upon receipt to clear and deposit. I was also told after I signed up for my checking account that foreign checks were sent to another bank for processing. Didn't seem like a problem at the time so I sent the check to address Discover Bank provided me with and they sent me a letter confirming that they have received on XX/XX/2018. Today is XX/XX/2018, way past the 8th week mark, and I have yet to see a change in my account balance. I've spoken with numerous customer service representatives, including 4 supervisors/tier-2 representatives, who have given me different vague and 'customer-friendly ' versions of " we have no idea where this check went ''. I've been told they have started an investigation and are researching into the issue for the past month and there's still no real status update other than we're investigating into the matter. I have spent an unreasonable amount of time and energy contacting Discover. In addition, it sets a standard of distrust ( whether by incompetency of malice ) that these supervisors set up callback appointments and then receiving no phone call, nor any response, at the times promised. Due to the service I've received from this institution I foresee no restitution or acknowledgment of incompetency and failure on Discover 's part to provide with the service I've agreed to enroll for.
Complaint sub-issue: Debt is not yours

I received a letter from Hunter Warfield dated XXXX XXXX, 2017 saying I owed them {$340.00} that they werre collecting on behalf of XXXX XXXX. 

I called them today but they only take calls during normal business hours. I sent them an email telling them I have no knowledge of such debt, have never had any interaction with XXXX XXXX and to cease efforts to collect such debt. I told them if I do n't hear back from them within 48 hours I would contact the appropriate authorities. 

Nonetheless, I want to start the complaint process now before this affects my credit.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.
Complaint sub-issue: Account information incorrect

There were charges on the account that did not belong to me.
Complaint sub-issue: Fee problem

On XX/XX/2019 a continuous OD fee of XXXX was applied to my account although my account was positive. My account was negative from the friday before up unitl XX/XX/XXXX when my direct deposit hit my account making the account positive. So on Sunday XX/XX/XXXX I called the bank spoke to a CSR tried to explain the above she said the fee was applied for XX/XX/XXXX on XX/XX/XXXX i said that makes no since because theres a XXXX fee on XX/XX/XXXX she hung up in my face you can hear the phone hanging up. I called back filed a complaint asked for the call to be pulled it is XX/XX/XXXX no one has addressed this issue yet. okay i go into my online account and notice that OD charges came out on XX/XX/XXXX for 3 days as if i never brought my account positive. I called again she saying i had things pending that i cant see my account is negative when the OD charge was applied on XX/XX/XXXX but i cant see. Then after going over common since of this makes no since what do you mean i cant see it why are you seeing different amounts than me that sounds like fraud. she then tells me to go in a branch. I go in to a branch on XX/XX/XXXX speak with a representative we both see what im saying but the branch manager says no she had a XXXX pending charge. I said no the XXXX is an atm withdrawl made at a XXXX ATM I made that withdrawl around XXXX am if my account was overdrawn on the morning of XX/XX/XXXX I wouldnt have been able to make that withdrawl and even after the withdrawl I still had money in the bank. So lets say i did owe you XXXX it was a positive amount i paid the XXXX on so why would fees be deducted on XX/XX/XXXX as if the account was never positive. I said the continuous OD fee must communicate to your system that my account is negative and this was an error causing other things to be reversed and more fees assessed. I would like an audit of my account as far back as 4 years looking into how many times this has happened in the past. and i want a refund of all fees assessed to my account do the error of the OD fee applied on XX/XX/XXXX and after.
Complaint sub-issue: Problem with rewards from credit card

I opened a credit card account with Citi for Double Cash Back awards advertised on XXXX  XXXX  and multiple other sites rating it as the best cash back awards credit card. I was awarded 1 % for purchase, but did not receive the additional 1 % when I paid the balance on XX/XX/2021. After 8 days, I contacted Citi executive customer service via email and received an automated response. One week later I still had not received the additional 1 % for paid balance nor had I received an explanation from Citi. I then sent another email with a print screen of the Double Cash Back offer to Citi including XXXX XXXX, XXXX XXXX and XXXX XXXX - corporate executives with Citi. I received a generic response from Citi customer service which did not address the issue of the additional 1 % I had inquired about. I then contacted XXXX XXXX to complain about the high rating they give Citi for Double Cash Back with a print screen from my account showing I received 1 % for purchase but did not receive the additional 1 % for payment as is advertised and I copied Citi Executive Customer Service and corporate leadership. XXXX XXXX replied promptly and apologized but referred me to Citi - Citi has not awarded the points for payment nor have they provided an explanation.
Complaint sub-issue: Their investigation did not fix an error on your report

I began to write disputes to each credit bureau ( XXXX, Equifax XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of XXXX USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, Equifax started reporting inquiries that I hadn't authorized from multiple entities. I reached out to equifax multiple times via phone to remove these inquiries and got no help. I, also, furnished them the information that was asked of me to get these inquiries removed. Upon calling them after this, I was told they would not be able to help. I recently sent a certified mail to Equifax regarding these inquiries and stated the US Code that mandates that all unauthorized inquiries be removed, to include the inquiries at hand. The certified mail receipt shows that the mail arrived at XXXX  XXXX  in XXXX GA XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX XXXX These accounts are individual actions, they must be delete immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made overpayments to me secured card hoping to increase my credit limit. They company claims to have refunded me but I have never received any repayment
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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: Fraudulent loan

In accordance with the fair credit reporting act mechanics mechanic bank has violated my rights as a consumer account number is XXXX  15 U.S.C. 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.