Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I was a tenant for XXXX XXXX XXXX in 2015. I received notification that a balance of {$210.00} is owed to ProCollect Incorporated along with an additional {$7.00}. There was no notification of balance prior to collection. Additional information was requested to ProCollect Incorporated with no notice.
Complaint sub-issue: Reporting company used your report improperly

I called US Bank, for my XXXX mastercard, to try and get a credit line increase on XX/XX/XXXX ( to raise my credit score - as im soon to be refinancing my house ). They stated there may be a hard inquiry on my credit score, to which I responded " I do not authorize that '', and which the customer service representative replied " ok ''. 3 days later ( on XX/XX/XXXX ), a hard inquiry showed up on my report. I called to ask them to remove it, as I did not authorize it, and they claimed I did the request online, and that I did authorize it, even though the conversation was recorded. I explicitly said that I did not authorize it. I would like this hard inquiry removed please.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Equifax Today XX/XX/2022 I received a credit alert that my address had been changed from my current address listed above which I changed via USPS mail in XXXX of 2022 to an old address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 

I have not lived at that address in over 8 years! 

I called Equifax to ask why would they fraudulently change my address without my authorization and the representative told me a creditor had given them that address. I explained to the representative that I have no credit tied to the address of XXXX XXXX XXXX and Equifax has no right to change my current address to an old address. 
The representative then said he will put in a dispute for the address. 

I then hung up the phone and called The City of XXXX which is where that address is. The city of XXXX XXXX Department advised me that I had a bill with them that had been sent off to a collections company. 
The representative at The XXXX of XXXX advised me that I could go on their website and pay the bill. 
I then went on their website and paid the bill of {$190.00} and I have included the receipt and email that I received as confirmation of payment being made. 

Equifax in cahoots with an unknown collection agency changed my address to suit the collection notice that I would not receive because I dont live at that old address. So what Equifax did is updated my address from my current address to an old address to match the collection that was going to hit my credit report HOWEVER I never received any notification from a collection agency and why would I if the Credit Bureau illegally changed my address so that not only can a collection account report on my credit report but the address would match what was reporting. 

That is HIGHLY ILLEGAL. 
Im considering contacting an attorney for this matter! 

If a negative item hits my credit report not only will I sue Equifax for damages but I will go to the media about what Equifax is doing to consumers. 

I have included a copy of the paid water bill and email if confirmation! 

The CFPB needs to look into this because this is highly illegal to do.
Complaint sub-issue: Trouble with how payments are handled

Hello, I currently have my Federal Student Loans serviced by Mohela. I attented to set up a recurring auto-debit set up, whereby I would have an additional amount withdrawn every month. I wanted the additional recurring to go to a specific loan, rather than be spread across all my loans. However, I called them and they explained they do not have that option available. They said I would have to pay manually every month if I wanted my additional payments targeted. Given that they are a federal loan servicer, I find that they do not have this option to be ridiculous, and purposefully unfair to consumers. This is a policy put in place for the purpose of extracting additional interest. A consumer should have the option to direct where his additional recurring payments go, especially with the servicer pulling out all the stops to ensure we use auto-debit.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$13000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Complaint sub-issue: Application denied

The Citi website advertises that they partner with XXXX for credit history. I know that my credit union reports my credit score to XXXX so I went ahead and applied for a Citi credit card. I was denied and then when I called to check why I was denied the reason was because I had a limited credit history which was pulled from XXXX. I called the customer service line to ask why my credit history was just pulled from XXXX when they advertise that they pull from XXXX. The customer service representative stated that it is random which company is used and they will only use one or the other. I asked that since they advertised they pull from XXXX if they would pull my XXXX score since that is the one my credit union reports to. The lady said that once they pulled one they would not pull another and I would have never applied for this credit card if I had known that they would not pull from XXXX. This will hurt my credit score all because of inaccurate information on the Citi card  website.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my account This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I promise to file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.
Complaint sub-issue: Investigation took more than 30 days

I INFORM EQUIFAX THAT THIS IS NOT MY ACCOUNT AND NOW ASK THAT THEY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Complaint sub-issue: Billing problem

I bought a car and signed a loan with VW Credit at the end of XX/XX/XXXX. The term of the loan was 60 months. I planned on paying off a large chunk of it right away to reduce principal, and make larger than normal payments to get the entire thing paid off in a couple of years. I had the finance person at the dealership verify that this was acceptable to the terms of the loan and he told me all I had to do was go online and submit a large payment through their portal ( https : //www.vwcredit.com/Authentication/Login ). 

I did this, and thought that was all I needed to do. After making several more large {$1000.00} payments in the next few months, around XX/XX/XXXX I realized something was off with my bills. Every month it said {$0.00} owed and the next payment wasn't due until XX/XX/XXXX! What's going on? After some investigation, it looked like XXXX was taking my money and putting it in some hidden account I don't have access to, and paying my regular monthly payment into it ... So I have thousands of my own dollars that can't be applied to principal and can't be withdrawn or used. I called XXXX support in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX. All 3 times they said they would fix it for me. On one occasion they told me they would call me back the next day just to make sure I was okay with the result. I never received a call.

I just received my most recent bill and nothing has been changed. At this point I'm going to have thousands of dollars of extra interest.

None of the payments I have made have gone to principal. They have all gone to some phantom account I don't have access to. Despite the terms of the loan agreement *and* the finance manager at the dealership telling me otherwise.
Complaint sub-issue: Trouble with how payments are being handled

XXXX is a scamming email that is trying to get people to send them their student loan information.
Complaint sub-issue: Account information incorrect

I have contacted Equifax in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that Equifax immediately DELETE Account # XXXX with XXXX from my credit file immediately.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX {$6800.00} 3 ) Dept of ED/ XXXX {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

I originally borrowed close to {$50000.00} for graduate school. At the time, I borrowed from XXXX XXXX at the time a reasonable interest rate of 4 %. During the period of two years the rate was consistent, but then was transferred sold to a XXXX bank and had ballooned to 9 %. Now, I owe close to {$400000.00} since 1997. I have never been able to pay the monthly payment and have since enrolled in an IBR. I have also applied for the Public loan forgiveness program in Hope 's of salvaging some sort of life with this debt. I was never made a ware the loan could reach such heights with the end result of all that investment leading to a trap. It's unfortunate everyone is vulnerable to such bad lending practices. Please help us.
Complaint sub-issue: Their investigation did not fix an error on your report

This XXXX account has been disputed several times with XXXX and has yet to be removed. The fraudulent account has been removed from XXXX and it's still pending with Equifax. Attached you'll see the report filed with the FTC in regards to the referenced account. Also, you'll see a copy of the results from XXXX showing the account has been deleted. 

The mentioned above XXXX account still reports on my Equifax credit, however, it's since been removed from XXXX. I understand that the credit bureaus do not share information. However, they do a similar dispute process to the other credit bureaus. If XXXX was able to verify the account as being fraudulent then why hasn't XXXX or Equifax removed this account? Also, the other XXXX accounts XXXX XXXX XXXX was removed from my XXXX credit file as well and it's been removed from my XXXX credit file, but remains on my Equifax file.
Complaint sub-issue: Account status incorrect

Inaccurate reportings of my payment history for my Citi XXXX XXXX Card. 1st it had XX/XX/XXXX showing a late payment, then it changed to XX/XX/XXXX and now it changed to XX/XX/XXXX. There is an inconsistent change happening here and I have the evidence to prove it. All 3 bureaus do not match and are reporting inaccurate information. Also not to mention I've made payments since XXXX of XXXX when my account was opened and wasn't being reported to the bureaus for the payments i've made. Yet again the reportings for all 3 bureaus are not matching.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There is a charge in the amount of {$450.00} on my credit card, posting date XX/XX/2018. 

I do not recognize this chargew. 

I contacted citibank, and they indicated that, according to their records, this charge was made with the credit card physically presented. 

The only option given to me was to state that this was a fradulent charge and the card would be cancelled. 

To avoid this, citibank said they would send me details of the charge by mail within 7 to 10 days.. 

On XX/XX/XXXX, I again contacted citibank to check the status of my request. 
I was then informed that I would have to wait 6 to 8 weeks to receive this information. 

I then requested that a temporary credit be issued pending the resolution of this dispute ; I was told no, even though this is standard practice of other credit card companies.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed bankruptcy on XX/XX/XXXX. L.L. Bean credit card was notified by the courts that I filed bankruptcy on that day. I had my hearing on XX/XX/2021. I keep receiving emails from them regarding a credit card statement. Nobody takes the initiative nobody takes the responsibility of L.L. Bean credit card MasterCard. I get off the phone with them on XXXX 2021 and I get two emails that I said I supposed to pay a balance. I never gave them authorization to take {$370.00} for me and {$120.00} for me. I have confirmation emails. People were in my house I never told them that I was paying any bill. I am protected on chapter XXXX bankruptcy and theyre violating the chapter XXXX law.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted XXXX to remove PNC Bank inquiry from my credit report. 

The inquiry was made on XXXX2020. This was not made by me. XXXX customer service failed to take action. I also called PNC Bank to get it removed and they did nothing.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was 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. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$1800.00}, {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} XXXX -This is not my account.
Complaint sub-issue: Information is not mine

Equifax is reporting me as deceased. I have the same name as my deceased father ( with a Jr ), and I live in his house, but I am not deceased. I have a different social security number than my father, so I do n't understand why it was not used to determine that the credit request was for me, not my father.
Complaint sub-issue: Other problem

I have already filed a complaint with you about this company in trying to reach a settlement on the account. See attached letters from company after I paid an agreed upon amount by check for settlement. Discover will not admit that the account has been settled and yet they accepted our check with this understanding.
Complaint sub-issue: Their investigation did not fix an error on your report

Issue : There was a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called Equifax to inform them of the fraud, they said you need to request a letter from XXXX XXXX XXXX that it was a fraud and they will remove the inquiry and address. I called XXXX XXXX XXXX for the fraud, they sent a letter to Equifax to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, Equifax received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, XXXX XXXX XXXX sends another letter stating the inquiry should be removed because it was their error, but Equifax now says, you need to have XXXX XXXX XXXX call the Equifax department to remove the inquiry. I called XXXX and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - Equifax will not remove the hard inquiry and I am frustrated that Equifax is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I NOTIFIED XXXX XXXX  ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED