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

Sent disputes letters to credit bureaus about incorrect information and inquiries by mail and phone and they did not remove inaccurate information.
Complaint sub-issue: Old information reappears or never goes away

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX in response to a complaint made Previously to the CFPB regarding fraudulent inquiries showing on my credit report. In the letter XXXX asked the credit reporting agencies to mask these inquiries. These items were removed later in XX/XX/XXXX. 

These items were dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I was doing business with my bank and a credit report was pulled from Equifax which once more showed the old inquiry from XX/XX/XXXX and a new fraudulent one from XX/XX/XXXX. 

I reported these inquiries to XXXX, who said that they would once again send requests to Equifax to mask these as they were fraudulent. I have NEVER applied for any form of credit from XXXX nor XXXX, which is the source of ALL of these inquiries. I also obtained reports from XXXX  and XXXX  which showed none of these inquiries. 

I filed an on-line dispute at www.investigate.equifax.com on XX/XX/XXXX concerning these inquiries. On XX/XX/XXXX I received an email from Equifax informing me that the dispute had been completed along with a confirmation number and a link to obtain the results. 

When I accessed the link, I was required to fill out an on-line form with basic information. Upon submitting the form, the system response was that it was unable to provide me the information requested and provided a phone number to call. 

I called the number and after about a half an hour of grilling by a representative, I was told that they could give me no further information. 

Today XX/XX/XXXX, I received another email reminder from Equifax, requiring me to access the link for the results of their investigation. I repeated the on-line process of filling out the basic information, but when it was submitted the system responded that it required more information and proceeded to re-display the SAME screen which I had just correctly filled out. 

I understand that since the data breach in XX/XX/XXXX that Equifax has been under a great deal of pressure, but their lack of timely responsiveness is causing many peoples ' lives to be negatively affected, as evidenced by the number of class action lawsuits against their company for incorrect or inaccurate information on their credit files. 

I have Locked my credit files on ALL three bureaus. I have also made a report to XXXX concerning these fraudulent applications and I am awaiting a response from their security team.
Complaint sub-issue: Information is not mine

Equifax refuses to provide me with a supervisor when I as for it and instead their boiler room representatives hang up on me.
Complaint sub-issue: Problem with fees

On or before the due date of XX/XX/18 I paid off my XXXX XXXX credit card balance. On the next billing statement I received a charge of {$2.00}, which is described as " Fees '' on the bill. I called XXXX XXXX and was told that this charge was for interest, even though I paid the balance in full by the due date. XXXX XXXX will remove the fee if you call, but why should you have to do this? And for those people that don't call, they will either be paying {$2.00} that they didn't really owe, or if they don't pay because they think they don't owe anything ( because they had already paid off the balance ) they will have a {$37.00} late fee for a {$2.00} bill they didn't owe. 

As I understand this practice is known as " double cycle billing '' and is illegal. I request that XXXX XXXX stop this illegal practice. 

Thank you for your time.
Complaint sub-issue: Debt is not yours

The aforementioned credit collection agency representing whomever AFNI, INC. is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I wanted to inquire about this debt. I dont understand why it is on my credit report since I have not received anything in the mail prior to seeing this debt from IC System on my Credit Report. 

It is to my understanding that IC system is required to send written notice prior to inserting themselves on my my Credit Report and wait 30 days from that point before they put it on my Credit Report. Furthermore it appears that theyre attempting to collect on a XXXX XXXX XXXX related debt and I have also never had any XXXX XXXX XXXX related products. 

If IC systems feels this debt is valid please provide me with the original terms and conditions that state that IC system is allowed to benefit in the form of interest and fees. Simply providing me with monthly statements is not going to be sufficient please note I am asking for validation and verification of the original terms and conditions related to the debt and not just monthly statements. 

As a result of this alleged debt I was also turned down for a recent line of credit with XXXX   XXXX XXXX for {$30000.00} and they specifically referenced the debt being the sole cause. I needed this line of credit for a remodel for my business.. 




Please do not contact me by telephone please communicate in writing only via USPS mail. In the event that you or anyone reading this complaint do call me I am revoking permission to record my voice or use automated pre-recorded dialing systems. Any calls or communication in connection with this debt from IC System or XXXX  I do consider to be an attempt to collect on a debt so please govern yourself accordingly. Debt collection matters and subject to the fair debt collection practices act and The California Rosenthal act. I am also now represented by an attorney and want IC System or XXXX  to communicate with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Dear  sir/madam I  had a credit card account with  MACY 'S DEPARTME NT STORE, Due to some personal issue I was unable to make my payment for some time but later in the year   XXXX   a collection agency sent me a letter on behal f MACY 'S DEPARTMENT STORE, Th e collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until no w MACY 'S still have it o n my credit report that I am still owing the debt. I attached a copy of the note on my credit report regarding the payment.
Complaint sub-issue: Fee problem

On XX/XX/XXXX I opened an account with Citibank for the sole purpose of holding security deposits for a rental property. I told Citibank that this was the purpose, that is, I did n't need any extra services for this account other than to hold the money and to write a check to outgoing tenants, which would happen at most twice a year. I requested, and was confirmed, that there would be no service fees on this account, in part because of the purpose/needs of the account and in part because I have been a long-time customer of Citibank that usually maintains a somewhat large balance in my main checking account ( currently $ XXXX, but over the years has been more or less than that ). 

The bank clerk signed me up for a Citigold account, which unbeknownst to me carries with it a $ XXXX/month service fee. I admit I should have been more vigilant about checking up on this, but I 've always had a good experience with Citibank, and had no reason to suspect they would do anything other than what they said they would do. In addition, because of the purpose of the account, I had no reason to check on the activity of that account. 

It was n't until about two and a half years later ( approx XX/XX/XXXX ), when I was getting ready to write a check to some outgoing tenants when I checked the balance and noticed that it was much lower than expected. 

I have contacted Citibank in person twice, on the phone two or three times, and written them mail about a dozen times. I will sometimes be offered relief on the fees going back four months, but they claim to be unable to do more than this. They will often tell me to contact the customer service center ( by snail mail ) but this has been the least fulfilling ; the responses usually indicate superficial comprehension.
Complaint sub-issue: Information belongs to someone else

During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.
Complaint sub-issue: Application denied

I applied for a XXXX XXXX XXXX for City Bank ( Costco XXXX ). After getting a denial letter Page 2 Paragraph 2 it says, " If you have any questions, Call at XXXX ... ..., '' I called said # and there was no way to talk to someone about the denial. I was forced to call a total of 4 times to finally get to someone to talk to. 2nd and 3rd call the rep for active accounts just kept sending me to the dead-end phone tree. After speaking with a rep which supposedly can be reached at a different # XXXX I have not had a reason to test to verify. I was told that Citi blanket denies all people with a bankruptcy on their XXXX credit report regardless of time since bankruptcy. He also admitted there is NO underwriter that can override a denial for any extenuating reasons. I believe this should be stated on their application for credit. I would never have applied and now I have a negative ding on my company 's credit score due to this blanket policy. It is to be noted My company has never filed bankruptcy and does not even have a single late payment. I personally had to file bankruptcy 7-8 years ago and since then i have built my credit to perfection with only one late payment in 7 years due to a technicality... I feel as though this is deceptive business practice. What is in it for them for me to apply if they're not even going to accept me anyways??? Now they can sell my information or do whatever they want, and I was NEVER going to get anything from them but a smaller credit score .... This needs to stop.
Complaint sub-issue: Information belongs to someone else

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Was not notified of investigation status or results

Per Equifax, I would have results from my disputes by XX/XX/2021 I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. 

XXXX {$5100.00} XXXX  {$1100.00} XXXX {$1500.00} XXXX {$2600.00}
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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: Information belongs to someone else

Pursuant to 605, I'm requesting the removal of fradulent inquiries reporting to my credit.
Complaint sub-issue: Threatened or suggested your credit would be damaged

this agencie are just hurting my files score and each month they flag me make my score go low eeach month or days. i try to fix this isue i dont know how they have access to personal files. and hurt ppl score. but they cant fix payments with companies. someone need to do something about I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/XXXX,
Complaint sub-issue: Debt is not yours

1. IC System Inc XXXX XXXX XXXX XXXX, MN XXXX Reports to XXXX, XXXX XXXX, and XXXX that I am delinquent on a debt they purchased from XXXX XXXX. They have reported the debst as collection account for {$400.00} past due as of XX/XX/XXXX, to remain on until XX/XX/XXXX I have tried several times via certified mail to to the credit bureaus and to IC System to request proof of the debt under FCRA, and they have not sent me proof of debt. 

Please investigate IC System and have them remove debt.
Complaint sub-issue: Problem making or receiving payments

On XXXX XXXX I created a monthly recurring bill pay for {$140.00} to pay XXXX XXXX for a new life insurance policy. I tried to accomplish this on my checking account with TIAA bank. A few days later I looked and I see that TIAA bank has sent my payment to XXXX insurance which is a completely unrelated company. They sent an electronic payment to XXXX with my XXXX policy number. I called TIAA Bank and they said they use a vendor for bill pay and would file a dispute. The bill pay person called me and we called XXXX together spending at least an hour on the phone together. They bill pay person told me to ask TIAA to credit my account for the error. I waited until Monday XX/XX/10 to call TIAA bank but when I asked them to credit my account for the error they refused XXXX the error was the vendors fault. As of now my payment is lost and my account has not been credited.
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Frequent or repeated calls

Sallie Mae would call every almost every hour multiple times in a row for some days leading up to the due date of the loan. I got so frustrated, I tried blocking their number ... So they used a different number to call me. When I finally got the time/needed to talk to them, I answered and it was an automated caller that didn't allow me to talk to anyone. At a different time with a similar scenario, I contacted them and tried to figure out a repayment plan. After hearing the information they had to give, I tried to contact the borrower ( I am a cosigner ) and was unable to with normal means. I called them again, was met with hostility by the manager after I told them that I needed to look at my finances and try to contact the borrower again with different means. The manager was angry with me and questioned me about how I was trying to contact the borrower, why I hadn't tried that method yet, and " What makes you think she will answer you this time? ". I was surprised and upset and was disconnected from the call ( not by my fault ). I was furious and wanted to call back to complain to a manager, but I had to go to work because the call took too long.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Public record information inaccurate

I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.
Complaint sub-issue: Debt is not yours

Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX  they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. 


Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance.