Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Hi IC SYSTEMS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Was not notified of investigation status or results

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Can't decrease my monthly payments

Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry.
Complaint sub-issue: Problem during payment process

The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX, my Simple accounts were automatically converted to a BBVA checking account and savings account due to the acquisition. On XX/XX/XXXX, I decided to transfer the remaining funds of the checking account ( {$5000.00} ) via ACH and close the account. I also closed the savings account and no transfer was needed because it had a balance of {$0.00}. I received an email on XX/XX/XXXX from BBVAs fraud department asking for verification asking me to call within 3 days. I called on XX/XX/XXXX to verify the transfer so the funds could be released. 

When I had not seen anything appear in my XXXX XXXX account which is where I sent the BBVA transfer to, I called XXXX XXXX and verified the routing information. They did not have the funds and directed me back to BBVA. After speaking with BBVA on XX/XX/XXXX for over an hour, they tried to say it was XXXX XXXX responsibility and that the transfer was successful. I asked for verification of this and they said they couldnt provide it to me. In a letter dated XX/XX/XXXX sent to my old mailing address, BBVA stated they were unable to locate the account and was provided a return settlement account number : XXXX. This means that when I called about my transfer and they said it was successful they were either misinformed or lying. I received a ticket number from BBVA when I called again to let them know I received the letter stating the transfer had not completed and we had a conference call with XXXX XXXX to again validate that BBVA is responsible for this issue. I received a ticket number : XXXX and was told I would be getting an update in a few days. The last I heard from BBVA was on XX/XX/XXXX and it has now been a full week with no reimbursement of funds or a written letter stating the status of this case as I had requested. For over a month, BBVA has lost {$5000.00} and has provided no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

I was enrolled XXXX XXXX  in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I  have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Complaint sub-issue: Debt is not yours

I have received a copy of my credit report and there is a debt of {$410.00} listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/16. I did not attempt to open any accounts with XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I send a request to Equifax and XXXX to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
Complaint sub-issue: Information belongs to someone else

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX format. There was no contractual disclosure or meeting of the minds.
Complaint sub-issue: Account status incorrect

My account was reported as delinquent on XX/XX/16 even though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.
Complaint sub-issue: Debt was result of identity theft

HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, I have been trying since XXXX of XXXX to get EQUIFAX TO REMOVE INQUIRIES THAT I DID NOT AUTHORIZE!!!! I have explained to them that my home was broken into in XX/XX/XXXXwhere my license and social security was stolen. In XXXX after I XXXX both my parents the mailbox was broken into causing me to have to get a post office box. By then all my information was being used to open fraudulent accounts. XXXX XXXX was a bank I was using and my info was compromised with them also. Equifax has sent a letter telling me the inquiries were factual. YES THEY ARE FACTUAL BECAUSE OF MY INFORMATION HOWEVER I DID NOT AUTHORIZE!!! They even went so far as to tell me about an email address that I have not been able to use in years because a cellphone was stolen with my passwords. They changed it and have access to everything. I did fraud alert when it happened. 
I went through each one telling them the ones that were mine and still no help.
Complaint sub-issue: Account status incorrect

We are showing 13 missed/ late payments. They were reporting to XXXX XXXX 100 % on time and another late with 9 reports. After calling and having them do an investigation onto why when all payments have been made and put on their hardship they went to the credit that was reporting 100 % and put 13 missed payments on that one. We have 25 payments made to this company even double payment and I have emails from their representatives showing that our account has been active doesnt show any late or delinquent and also being on their hardship or reduce our payment amount and never be reported to credit, also during that time their website did tell us we were delinquent and I have an email saying to ignore that because we were on a hardship and they do not report delinquent. I have many emails proving what they told me wrong with the credit reporting and they do not want to fix it when I have a complete proof that they are in the wrong.
Complaint sub-issue: Investigation took more than 30 days

ITS BEEN 60 DAYS AND I HAVENT RECIEVED CORRESPONDENCE FROM EQUIFAX. I AM SUFFERING CAUSE THESE INACCRUCIES ARE BEING REPORTED ON MY CREDIT. EQUIFAX NEEDS TO FIX THIS PROBLEM ASAP
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to request several credit inquiries that were unauthorized be removed from my Equifax credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 6 inquiries that I did not authorize or receive. They are as follows : 1. XXXX XXXX XX/XX/XXXX2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXXXX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was added as an authorized user to a credit card without my consent. The card holder is my father, and he has my social security number. We are no longer in contact and I do not know how to reach him as we are estranged. I continue to receive negative ratings on my credit report due to his high balances and late payments. This is affecting my credit rating. I contacted the Citibank customer service sometime last year and they stated that they were unable to remove me as an authorized user, and that I had to contact the cardholder to do so. 
The credit card is reported on my credit report as, " CITIBANK CBNA/XXXX  '' and the source is reported as, " XXXX. '' The address of the card company is reported as, " XXXX XXXX XXXX, XXXX XXXX, SD XXXX. '' Any help with this matter is much appreciated!
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX : {$0.00XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Account information incorrect

I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my XXXX account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with XXXX, causing XXXX to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Complaint sub-issue: Problem during payment process

XXXX paid minimum online to CITI/Costco card. 
XXXX Citi payment bounced for full ( XXXX ) balance. 
Requested payment reversed. 
Spoke to supervisor and told wait 2-3 days for it to reverse XXXX citi lowered limit from {$9000.00} to {$500.00} XXXX called!! approximately 12 hours so far calling, dming, and chatting online with reps ... no help. 
Talked to branch, head teller conference call to Citicards.. no help. 
Talked to Escalation level 2 person today.

Told wait 4 days for a call back.

I have spent 12 hours talking to supervisors and cant get account fixed. 
They are charging me fees and increasing my rate from 15 % to 29.99 % As well as ruining my credit. 

My payment should have been & XXXX not $ XXXX Every time I call they tell me they cant help. I have local branch involved, supervisors and managers. 

This should be a simple correction not something that ruins my credit. 

They raised my rates in XXXX for being mere hours late paying ( one time!! ) My rate was 26 % since and I was just notified by a manager. ( I did not see anything on the online statement. ) So now Im XXXX over my limit due to a glitch or something that happened online that was not intended. 

I never thought something like this could happen. I have an infant and a family and have worked hard to get the credit rating that I have. 
I had 100 % perfect payment history with bureaus and now they have wrecked it and wont correct. 

They should be shut down. 
I have been on consumer affairs reading complaints and I am not the only person who has experienced such treatment. Many limits are being dropped immediately after payment. That would be ok if the payment was intended but when it happens after an error ..Citi should correct it. 

They are ruining my credit and costing me money. For what I feel is their mistake. 
We have been paying 13 years without issue. Then all of a sudden this string of events. It seems purposeful and directed at consumers in a criminal way. 
They can blame an algorithm while they ruin people. 

Im not going to go away. 
I will absolutely fight this. 

Please help.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a citi AA credit card around XXXX and it was recommended by my friend. Before I applied for it, I called Citi that since the promotion ( XXXX ) is different from what my friend received and I was wondering if I would get the same promotion ( XXXX ). The customer representative told me that they suggest me apply for it first and they would match it up to XXXX. After my application was approved, I tried to match up as what I was told via customer service several times but failed. They told me that the promotion was already finished. However, in the meantime, my another friend which applied for the same card around same time matched up to XXXX successfully. My complain was if citi can not realize the promise of matching up the promotion, then they should not mislead and seduce customer to apply for their credit card since there are so many credit cards on the market. And even if they can not make their promise come true, then they should treat equally to all the customers, rather than giving some customers matching up successfully.
Complaint sub-issue: Not given enough info to verify debt

I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation.