Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTUM OD IDENITY THEFT
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I mailed dispute letters to XXXX, Equifax, and XXXX  regarding the correction of several inaccuracies on the following accounts : XXXX XXXX - xxxx ... XXXX XXXX XXXX  - xxxx ... XXXX XXXX XXXX XXXX  XXXX XXXX - xxx ... xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX - xxx ... XXXX In accordance to 15 U.S. Code 1692g , XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX  ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my Equifax report and provided this information by letter in USPS mail to the Equifax dispute department.The letter stated I was aware that according to the FCRA, legally these unverifi ed & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries without an FTC report of fraudulent activity.

I then submitted n FTC Report to them and they still refuse to remove the inquiries.
Complaint sub-issue: Threatened or suggested your credit would be damaged

We called IQ data international about a report on XXXX XXXX credit. The court documents we have regarding the debt owed did not match what the collector was saying, call got disconnected before we could agree to a settlement amount. upon further consideration we wanted to confirm the amounts were accurate before paying almost 5k and the collector then became irate, would not let us finish, refused to send us any type of validation for debt, said we could just negatively let it hit our credit, after mutliple conversations with my wife they then told her they wouldn't speak to her because it " wasnt her debt '' and screamed at the phone that they " renig '' theyre offer and to have XXXX call. We made attempts to validate this debt and they refused. The minute we questioned the validity of this debt and wanted proof in writing they because absolutely Irate. my wife never gave them permission to call her cell today XXXX and they did for the debt but then when she had a question they refused to talk to her.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights 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: Reporting company used your report improperly

XXXX a natuural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXXXXXX XXXX The XXXX In Company
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from Equifax regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. EQUIFAX MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Complaint sub-issue: Account information incorrect

XXXX XXXX AND EQUIFAX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT THAT IS PREVENTING ME FROM REACHING MY FINANCIAL GOALS. THIS IS A COMPLETE VIOLATION AND ERROR. EQUIFAX IS REPORTING A BALANCE AND RECENT " CHARGEOFF '' ON XXXX XXXX. THE ACCOUNT WAS SETTLED AND PAID YEARS AGO. I HAVE ATTACHED SCREENSHOTS OF MY CREDIT REPORT SHOWING THE ACCOUNT HAS BEEN PAID IN FULL. EQUIFAX IS THE ONLY BUREAU THAT IS NOT DOING THEIR DUE DILIGENCE IN REPORTING ACCURATE INFORMATION.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, equifax, XX/XX/XXXXrefuse to correct info on my report even though it is paid in full. I have email confirmation
Complaint sub-issue: Their investigation did not fix an error on your report

Student loans were taken out in XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. All of the loans went delinquent inXX/XX/XXXX when I filed bankruptcy, which means they are way to old to still be reporting to the three credit reporting agencies. Over the course of the years the loans have been consolidated or transferred into new loans and they continue to report. I believe that XXXX is purposely manipulating the date of first missed payment to a later date so the loans fall within the 7 year limit therefore allowing them to continue to report. All of these student loans should be deleted from all three major credit bureaus given the fact they went delinquent inXX/XX/XXXX. I am including the payment history provided by XXXX   that directly contradicts what they are reporting and proves my claim. I have made multiple efforts to dispute with all three major credit bureaus and have not been successful.XX/XX/XXXX reports back information as accurate. I have not received any correspondence back from XXXX with an explanation as to why the deliquient dates they provided to credit reporting agencies are incorrect and why they will NOT delete all the loan information from the Bureaus. Highlighted in yellow on the attached document shows the exact dates of the first delinquencies. As you can also see no NEW loans have been taken out since XX/XX/XXXX and all the loan info since is some spinoff of the original loan. My complaint is to XXXX for failing to report accurate information that would lead to the deletion of these loans, To Equifax, XXXX, and XXXX, for not removing the old loan information when I provided proof to them that the information being provided to them is not accurate Attachments XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax credit report agency had a major data breach in XXXX. My information was hacked. The company did not even notified me about the data breach settlement that just past on XX/XX/XXXX. Therefore, I did not apply. I did file for an extended claim. But still that does not solve the problem. I did not have any subscriptions or features that I purchased from Equifax, but the fact my name was on the list of data breach is a crime. My personal information like SS, address and etc should be protected at all times. Thank you for reading and helping.
Complaint sub-issue: Information belongs to someone else

My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.
Complaint sub-issue: Debt is not yours

Enhanced recovery reported on my credit report I owe {$1300.00}, I never heard of company never got anything in the mail or got an phone call, I tried calling number on credit report phone number doesnt work
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been trying to get an issue resolved with Citi since XX/XX/XXXX ( today is XX/XX/20 ) to dispute several credit card charges. It has been nothing less than a nightmare dealing with Citi. I have spent many hours on hold, getting hung up on, given the wrong number and trying to use their chat feature to get no response or get a response from chat in the wee hours of the morning when I was not even available. When initially calling Citi their 800 # wouldn't even route you to a real person it would immediately route you to the automated system if you were lucky or it would hang up on you. I have asked to speak to supervisors and have been told they won't be able to call me back for weeks so just try calling back at another time. This has been a horrible experience. I have been with Citi for many years and have been a great customer and this is the treatment a loyal customer receives? I am a part of a XXXX group with many members who have Citi credit cards and their experience has been quite the same or worse. All over social media Citi is telling the world what they are doing for COVID-19 but won't even help existing customers. This has been so frustrating and I have been patient in trying to resolve this issue through them but it is basically impossible when they won't return calls, disconnect me or flat out just won't listen. I have also field a complaint with my Attorney General and will be filing a complaint with the NY Attorney General soon. Any assistance you could offer would be greatly appreciated. Please know I am NOT the only person this is happening to ... check Citi 's XXXX page for all customer complaints as many many customers are experiencing these same issues. I can be reached at XXXX should you need to speak to me. Thank you
Complaint sub-issue: Account information incorrect

XX/XX/XXXX of XXXX I've contacted CitiBank regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to XXXX XXXX XXXX XXXX who was handling the account for CitiBank . 

The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let CitiBank know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. 

On XX/XX/2020 CitiBank reported the balance to XXXX as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.
Complaint sub-issue: Account information incorrect

My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed 2 specific payments that are not counting towards by Public Service Loan Forgiveness programs for loan # 3. I contacted FedLoan Servicing initially through XXXX on XXXX to dispute this. I received a call two days later to review my concerns. I spoke with XXXX who assured me she was my point of contact until this was completed ( XXXX ). XXXX indicated when my loans were originally through XXXX, when I paid my loans as a lump sum, XXXX improperly allocated my payment to this loan, two months in a row, making me short {$.00}. She indicated I would need to provide bank statements to show I paid the entire amount of the loan, and that this was an error on XXXX part, improperly allocating my payment. I have called on XX/XX/XXXX and XX/XX/XXXX to follow up with this concern as I have bank statements to get these months counted towards PSLF. ( And they should have because I have auto debited my loans for the entire duration I was paying them. ) As of today, XX/XX/XXXX, FedLoan Servicing has yet to respond.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Card company isn't resolving a dispute about a purchase or transfer

A purchase in the amount of {$340.00} was made at XXXX online. The item was returned within the return period but no credit was issued to card. I contacted the card company and followed ALL of their protocols to resolve this issue but to date have not received the credit. I have contacted customer service fraud division multiple times, speaking to different representatives but to date still no credit. Unfortunately all of our correspondence with the card company, excluding the initial claim filing done by mail, has been by phone. 



XX/XX/19 XXXX  # XXXX XXXX , Tennessee POS Purchase ( Domestic ) XXXX XXXX  - {$340.00} Details Posted Date XX/XX/19 Reference XXXX XXXX  # XXXX XXXX TN US Terminal XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed fraudulent items on my credit report that were reported to FTC. According to Equifax their 'investigation ' sustained that these tradelines were accurate. This is impossible, as they are fraudulent and should not be reporting on my credit report. 
Attached, is the filed FTC report.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX who is submitting this CFPB complaint myself. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( ( XXXX XXXX : ) XXXX )
Complaint sub-issue: Information belongs to someone else

I opened a checking account with First Bank in XXXX. In XXXX I made a transaction that First Bank paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. First Bank decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from First Bank from XXXX. I have shredded all paperwork associated with First Bank since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to First Bank several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since First Bank opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt First Bank does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Complaint sub-issue: Trouble getting information about the card

No actions were taken by the company but all actions of mine are here for the taking to make America better/greater. 

XX/XX/2020 PROBLEM : I think I am contacting USDIRECTEXPRESS.COM using the webite, cfpb.gov/prepaid and I do not get orbited around the internet waves even having excaped the haven for hope 's intranet mainframe and security measures. 

PROBLEM : Your website has not ground to stand tall on because it isn't needed to be told to new or returning customers until a problem such as credit collections or discrepancy occurs between you and customer. It's a bad BUSINESS message. The customer isn't happy. Therefore, 3rd perception falls in your lap. DECEIT=EVIL and your expecting, sublimally to set a negative tone and force a loss sale to occur. MAKE SENSE. NO IT DOESN'T. USE this as food for your brain. Chew on it. Don't swallow paper like I do, the ink might be poisonous. 

REGARDS, SICKLY and XXXX, LUCKY
Complaint sub-issue: Information belongs to someone else

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Complaint sub-issue: Used obscene, profane, or other abusive language

This company is rude and harassing, you cant even get a word in when trying to resolve issue. I have called in a few times last being about a week or two ago, regarding 2 debts which 1 has been disputed, the other one for {$1200.00} I was promised a settlement after debt was a year old, once it was a year old the said they can not do that. On another occasion they did not fully read mini Miranda on call, Violating FDCPA. I know this because ( I work in collections ). They have also left a message on my phone for another person I dont know disclosing a debt on XX/XX/2020 from a Ms XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. SO, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for these fraud inquires to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}