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

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. DEPTEDXXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX  XXXX {$730.00} XXXX XXXX {$710.00}
Complaint sub-issue: Their investigation did not fix an error on your report

After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date XXXX inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/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 XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date 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 ; 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  XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Debt was paid

Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.
Complaint sub-issue: Account status incorrect

My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, FedLoan Servicing, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to FedLoan Servicing. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( XXXX has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$79.00} XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$89.00} XXXX Balance : {$50.00} XXXX XXXXXXXX Balance : {$74.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent XXXX and Equifax letters disputing inaccurate and adverse items on my credit report. There negligence has caused me harm, since it has affected my ability to obtain new credit. 
Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), they had 45 days from receipt of my letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from them within 45 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I try to balance my Direct Express Govt debit card account weekly. 
Only today I went online to find that someone using a XXXX XXXX has recently deducted {$420.00} in the last six days ; Between XX/XX/2022 and today XX/XX/2022. There are three users listed with this XXXX XXXX two of them using the same web address.

Using this app people deduct small increments ( {$1.00} - {$2.00} ) numerous times over two or three days. Then they change the username on the app. 
I immediately file disputes and have canceled the card requesting a new one. 
Information : 1. XXXX XXXX XXXX XXXX  FL UNITED STATES OF AMERICA . 2. XXXX XXXX XXXX XXXX  FL USA . 3. XXXX XXXX XXXX  XXXX CA XXXX XXXX
Complaint sub-issue: Account status incorrect

In XXXX of 2019, i made contact with ECMC XXXX XXXX D/B/A Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 ECMC sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, ECMC reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. ECMC continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; ECMC agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want ECMC to stop sharing my private data and information, without my written or express authorization.
Complaint sub-issue: Debt was paid

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.
Complaint sub-issue: Company closed your account

I have opened Citibank checking and savings accounts in XXXX, 2020 on the Citibank advertised promise to pay me {$700.00} bonus, if I keep {$50000.00} for 60 consecutive calendar days. I have fulfilled this condition. However, after the 60 days my both accounts were closed by Citibank initiative. When Citibank had warned me that my accounts going to be closed. I have contacted their customer service and have asked them not to do this. I have told to the customer service that I did not made any transactions on the accounts except the initial deposits and did nothing else, and so do not assume that anything wrong was done on my side. I was promised by the customer service representative that my accounts not going to be closed if I do some other transaction. I was also told that the promised bonus of {$700.00} will be paid to me in XX/XX/2020. I have made the additional deposit ( s ) to my accounts. Still my accounts were closed and I didn't receive the promised bonus. I have contacted the Citibank customer service for the explanation of my fault, but no explanation was given and the address to make a written complaint was as well refused. I have saved my Citibank online chats with their customer service representatives and attach them here. BTW, the Citibank continue to advertise the same bonus ( https : //banking.citi.com/cbol/checking-700/default.htm ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Re : XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX United States I needed to cash a check and the teller looked me up and down and said there could be a hold and asked me to wait a minute. She went to the manager on duty and came back a few minutes later stating that they needed to put a 2 day hold on my check. I kindly objected and said I would take it to my other bank. Today, XXXX XXXX, I was denied employment due to having a low credit score. I pulled up my credit through XXXX XXXX and noticed XXXX XXXX RAN MY CREDIT WHICH DIRECTLY ATTRIBUTED TO THE LOWERING OF MY CREDIT SCORE! I would like this resolved and I would like to be compensated for this breach! I drove 258 miles from my home, spent 4 nights in a hotel and away from family duties so I could obtain employment as a XXXX XXXX to help the victims of the natural disasters that are plaguing our citizens and loved ones, and today I was denied that opportunity. I believe this is against the law!
Complaint sub-issue: Their investigation did not fix an error on your report

Incorrect information remains on my credit report after multiple dispute letters being mailed!
Complaint sub-issue: Account status

Equifax conducted an investigation on XXXX XXXX, 2015 on report late payments from a creditor that were incorrect. ( XXXX XXXX XXXX ) - the very next day I received results stating that the historical information was deleted from my profile. To date, the report has not reflected the change.
Complaint sub-issue: Can't decrease my monthly payments

In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.
Complaint sub-issue: Problem getting report or credit score

I have been trying for months now to get my credit report because Equifax reports almost everything wrong. There have been deleted items reinserted, XXXX-XXXX accounts from major creditors like XXXX XXXX and XXXX XXXX are n't on my report even though the creditors confirm reporting, and I can no longer dispute collections on my file that have been proven to be in violation of FCRA. I called Equifax about the issue and they are telling me I have to contact some department by mail to update my report address, name, etc. My information has n't changed and on my last report nothing was different so I 'm not seeing why I have to jump through hoops to update a report. I ca n't even access it from their website and the representatives on the phone ca n't pull my report either. Equifax is the worst excuse for a credit reporting agency I have dealt with in my life.
Complaint sub-issue: Information belongs to someone else

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Equifax, XXXX, XXXX ) deleted the account and then placed it back on ). ( Equifax, XXXX, XXXX ) has failed to remove block and deleted  information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Complaint sub-issue: Don't agree with fees charged

I was contacted by a NelNet collections agent requesting payment back in XXXX XXXX. I have not attended college at the XXXX XXXX University that they claimed that I did. When speaking to the agent in XX/XX/XXXX/XX/XX/XXXX we confirmed that the original address and email address was the fraudster 's information. We requested a fraud packet to be mailed to my address to complete. I filed the police report and sent all the verification documents to the company XX/XX/XXXX. I was advised that it would take a couple of months to process it, and I did n't receive another call until XXXX XXXX. When I received the call in XX/XX/XXXX, I was surprised to hear that not only have they not complete the Fraud claim, but my " account '' was further past due and if it goes any further then they will garnish my taxes and wages. This is insane. I have not attend a college since XX/XX/XXXX, and when I did I did not receive any loan to pay for the tuition. I just spoke to a XXXX on the phone from Nelnet today who stated that they would email me the documents today to complete again, but it will take a few months to clear up. 
XXXX
Complaint sub-issue: Was not notified of investigation status or results

I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the Equifax data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately
Complaint sub-issue: Indicated you were committing crime by not paying debt

XXXX {$410.00} FAMILY SUPPORT {$2500.00} THESE ACCOUNT DOES NOT BELONG TO ME
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Complaint sub-issue: Personal information incorrect

This Macys account has been reporting for well over 7 years and still reporting to the credit bureaus. By law under the FCRA this account should not be listed on my credit report after 7 years. Please have it removed. Thank you
Complaint sub-issue: Account information incorrect

Equifax are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. These account are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for th e 3rd ti me and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.
Complaint sub-issue: Investigation took more than 30 days

I sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Collections Acct # XXXX has previously been " verified as accurate ''. Attached is the letter from XXXX Collections to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.
Complaint sub-issue: Debt was result of identity theft

This account does not belong to me. It has been a. big inconvenience in my life. I have attached my FTC report below to prove this account does not belong to me.
Complaint sub-issue: Information belongs to someone else

XXXX refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.
Complaint sub-issue: Problem with fees

We paid the XXXX Elan " XXXX XXXX '' bill on time but were still charged a XXXX XXXX. The agent refused to show us where it said we had not paid within some schedule and they only referred to our XXXX XXXX  -- they agreed that our payment was in line with what the bill/statement said. The statements says by XXXXXXXX XXXX and we paid it before my e-mail of the payment confirmation notice dated XXXX XXXX -- at least XXXX minutes before their stated payment deadline. There is no excuse for charging us a XXXX XXXX! 

This sort of petty corruption by credit card companies must not be tolerated! Please Help. 

The Elan card company address is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX.
Complaint sub-issue: Not given enough info to verify debt

A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement
Complaint sub-issue: Debt is not mine

XXXX has been trying to collect a debt that is not mines. This debt has been removed from my credit reports before and has now been placed back on my reports by a different collection agency. As well it was placed on my credit with XXXX different amounts.
Complaint sub-issue: Card opened as result of identity theft or fraud

I never applied for a credit card with XXXX XXXX. XXXX XXXX has not been able to provide a copy of my application with the correct Social security number of XXXX that is in my credit file. The documentation they provide of the application does not have my correct information. I did not open this account. The account is not mine.
Complaint sub-issue: Billing dispute for services

Charges appeared on my XXXX XXXX account Charges XX/XX/XXXX & and charges XX/XX/2018 & XX/XX/2018 do not belong to me. I filed a dispute on XX/XX/2018 and as of today this has not been removed from my account. 

In addition, my credit history has now been reporting derogatory as a result of the error on XXXX billing. I has spoken to XXXX on numerous occasions and they will not remove this error. I have suggested that they back tract the delivery address these items were sent. They can see that my address on this account was not the ultimate destination. 

XXXX has also engaged in fraudulent banking practices since I'm being charged for items including interest added to this account unauthorized.
Complaint sub-issue: Account information incorrect

XXXX  XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX  BALANCE.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.