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

ECMC was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to ECMC and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by ECMC, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. ECMC is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all 3 of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX- acct # XXXX 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 furnis a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Complaint sub-issue: Received marketing offer after opted out

I have requested Equifax to remove the hard Inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQIFAX XXXX XXXX XXXX XXXX XXXX GA XXXX REF : XXXX Date:XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX - I did not even try to buy a car? 
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 BANK XXXX, XXXX XXXX. EQUIFAX 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 BANK XXXX XXXX, XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello there I have sent multiple letters to these companies disputing items that I truly believe are incorrect and wrong. Not mine and I truly never had any accounts with these companies before. Yet they keep reporting them.
Complaint sub-issue: Information belongs to someone else

Initiated several disputes to XXXXXXXX over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Several of the disputed accounts were removed, but some that got a lame reply back that their records show the company that reported the information has certified to that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of ORIGINAL signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!
Complaint sub-issue: Debt is not yours

ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. 

After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/XXXX I had mail from Square , Inc. It was another business debit card that I did not want or request. Today I called and went onto their website to work on getting the account closed, but they have work hours that don't match my life, so I will have to try again tomorrow. 

Once again I do not know who opened this account, what the business name or purpose is, and if any or how much financial activity has occurred on this account. 

What I want is for this to stop! I want this account closed. I would also like any information about this fraudulent account forwarded to the XXXX XXXX Sheriff 's Office in XXXX, Georgia under case number XXXX. 

I have checked my XXXX report again and no request or inquiry from Square is there, so I would also like for them to find a way of verifying applicant identification when creating new accounts. If my credit were run they would have notice the fraud alerts and credit freezes. Had they run the XXXXXXXX XXXX  report I would be fighting with them to have some from of alert system added to my account. As it is I am spending more time, yet again, on this!
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX, XXXX AND XXXX HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in erR Names 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: Impersonated attorney, law enforcement, or government official

I Received A Missed Call On My Cell Phone From XXXX Texas On XX/XX/2018. No Voice Message Left. I Called The Number & A Woman Answered Asking For My Name I Asked Her For The Name Of The Company, She Replied By Saying Hold On & Connected Me With Another Woman Who Claimed She Was An Attorney. 
She Quickly Mumbled Her Name As If She Was Swallowing Her Words. She Preceded To Ask Me To Verify My Social Security Number She Had On File. In A Very Aggressive Manner She Demanded Money For A XXXX  XXXX   Judgement. I Told Her That Something Isnt Right, I Dont Have Any Judgements From XXXX  XXXX  Or Anyone Else. She Then Informed Me That If I Didnt Cure The Default Right Now, She Would File The Paperwork Immediately With The State, To Collect All Monies Thats Stated In The Recorded Judgement. I Asked Her To Send Me All Of The Information By E-Mail. She Refused And Abruptly Hung Up. I Called Back & The Woman That Answered The Phone Was The Same Woman That Answered The Phone Before. She Answers The Phone Without Identifying The Business Name Or The Name Of The Law Firm.

I Asked Her For The Name Of This Business Entity & The Attorneys Name Three Times. Finally She Answered By Saying They Were In XXXX. Again I Asked Her For The Name Of The Attorney & The Business Address. She Said The Name Was Premier Holdings. 
She Refused To Provide Me With The Attorneys Name & Address.I Asked Her For Their Website Address, She Refused To Give Me That Info As Well. I Also Asked For Detailed Information Via Email In Regards To This So Called Judgement, She Just Hung Up On Me.

I Called Back And The Phone Went To Voice Mail. I Tried Calling Back At Least 4 or 5 Times, My Calls Went Right To Voicemail. On My Last Call, I Left A Message Demanding Proof Of All The Paperwork & A Copy Of The Judgement. No One Ever Returned My Call. 
I Have Never Received A Call Like This In My Life. I Am XXXX Years Old & Never Came Accross Such Tactics Similar To Loan Sharks In A Mobster Movie. 
I Am Confident That This Is A Very Unethical Company. They Need To Govern Themselves Accordingly.
Complaint sub-issue: Account status incorrect

Equifax continues to report that the XXXX XXXX XXXX Account is still open with a balance of 10,000+ Dollars. However, XXXX XXXX XXXX has verified numerous times that this account was paid off nearly a year ago. Yet, Equifax continues to report it as an open account with balance. I have tried several times to get Equifax to update this record, but they will not. 

XXXX XXXX XXXX - XXXX - Balance - XXXX I have also Reached out to Equifax regarding the XXXX Account that shows a balance on my report of XXXX. This account has been paid off months ago and Equifax will not update its records.
Complaint sub-issue: Debt is not yours

I received mail saying I owed {$630.00} from a bill through XXXX XXXX  for an account that I never opened that I.C System, Inc was trying to collect from me. I have never dealt with XXXX and never opened an account with them. I've never even dealt with any other phone service other than XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance - XXXXXXXX XXXX XXXXXXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$160.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance {$150.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance MEDICAL XXXX Balance {$150.00} XXXX XXXX Balance {$750.00} XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020 there was a card to bank transfer for XXXX says XXXX XXXX personal checking ach ... .. then I called them and told them to cancel that because I wasnt sure why it happened although I did make an attempt to transfer money around that time. They said ok and did they also issued me a new card. 

On XX/XX/2020 I got messages stating It was canceled or reversed and credited to my acount. 

On XX/XX/2020 I got another message stating the reversal was canceled. 

On some of the messages it says... .original transaction I'd is XXXX ... on another it says XXXX... I dont know if that's relevant. 

I called again and asked what happened they said they couldn't stop the transfer and couldn't refund it. I asked them for the information on were the money was transferred to but they didnt give it to me. They told me I needed to do it myself or something because it went into my account. They said they would send me a statement or information. But I never got it. I called meny times. Asked meny times they still havent helped me find were the money went. 

My email is XXXX And my phone num. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  pa. XXXX Please help me find the money
Complaint sub-issue: Information is not mine

Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.
Complaint sub-issue: Reporting company used your report improperly

I was recently checking my credit report and noticed, IC System has been reporting to my credit report inaccurate and unvalidated information. They were not able to provide me with any documentation or application with my signature proving I owe this debt to IC System. I reached out to IC System, requesting validation for the alleged debt. IC System response was for me to reach out to the original creditor " XXXX ''. When I called XXXX, they were not able to locate an account for me and advised me to contact the IC System, informing them to remove the negative account from my credit report. If IC Systems purchased this alleged debt, they're claiming I owe, this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this account within 14 days prior and I was not notified. I can validate this debt. I do not validate this debt. Under 15 U.S.C. 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt, this account is in violation.
Complaint sub-issue: Was not notified of investigation status or results

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Complaint sub-issue: Personal information incorrect

I have disputed the same incorrect address on both XXXX and Equifax multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
Complaint sub-issue: Information belongs to someone else

I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get Equifax and XXXX to do the same, but no luck. Every time I try to dispute on Equifax I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.
Complaint sub-issue: Problem with rewards from credit card

Hello I had a good banking relation with Citibank but due to Covid and my travel movement outside US I had a very hard time connecting with citibank on my credit cards, pending payments & my rewards. 

The complaint I had is citibank closed my credit cards and took away all my rewards associated with my multiple credit cards while I unsuccessfully tried to reach out to them to clear my dues ( from overseas location ). 

From XX/XX/XXXX till XXXX XXXX I tried calling the Citibank US numbers and was never provided a clear response on the status and unfortunately I was not able to access my online account to use my rewards associated with the credit cards.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to CitiBank in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with XXXX numerous times and they continue to verify it as accurate however upon reaching out to Citibank, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to Citibank and requested proof of ownership of this account, however Citibank was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly XXXX  because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted Citibank numerous times and they refuse to remove this account from my XXXX credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX   XXXX   XXXX
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : $ XXXXDate Opened : XX/XX/2019