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

In XX/XX/XXXX, XXXX sent me a bill for {$880.00} that was not even displayed under my account. I immediately contacted XXXX and let them know of the discrepancy, but they insisted that somehow the {$880.00} was my debt despite the account number not belonging to me. The " debt '' displayed my name and address but the account number was different. I continued to receive statements for this account number and continued to call, trying to get to the bottom of this matter. In XX/XX/XXXX, I received another letter from XXXX stating that whatever balance that was in the mystery account had been transferred to my father from my step mother back into XX/XX/XXXX. As I have the title of XXXX, this was when I realized that the debt was possibly my fathers, as our first and last names are the same, and XXXX somehow missed the small differences in our names ( middle names and title ) thereby mixing up our account billing addresses and assigning the debt to me. In a follow up letter, from XXXX XXXX a XXXX executive member of the Relations team ( contact number XXXX ),  they recognized their error and issued an apology for all inconveniences and provided me with a name and number to contact for a follow up or to address any questions : XXXX XXXX at XXXX x XXXX. When I continued to received calls and bills, for the account number that had just been identified as my fathers, claiming that the debt was mine and continuing to charge me for the same debt - an issue I thought had been resolved - I proceeded to contact XXXX at the number provided. But it was to no avail as I never heard from XXXX or any other XXXX representative despite my many attempts and many voicemails. 
Present day we are in XX/XX/XXXX, and every month I am still receiving calls and statements from collection Agencies regarding this same debt for the account that has already been identified as not mine!!!! I am a very busy person and I have no extra time as it is, especially to be fooling around with these kinds of issues that have taken YEARS so far to resolve. This particular matter is especially disruptive to my personal life because two months ago I needed to acquire a loan for a new vehicle and it was then that I realized that my credit is totally destroyed from what it had been. Thus, this has gone too far and I am now taking the time to write this out because this has to stop. Trying to talk to XXXX clearly did not work, and hasn't for the past six years!!! I am asking you please to intercede in this matter because clearly XXXX has no interest addressing this issue with me alone. 
Thank you.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted XXXX to ask if this company can provide a valid document with my signature of consent to a unauthorized inquiry and unfortunately this company can not produce any such documents to prove their previous statements are factually sound. 

Their has been no application for credit with my name signed on it or any request for credit, employment, insurance, or any sort of financial assistance I consented to which is required to apply a inquiry on a consumer report. 

The documents presented on the CFPB  website is useless if this is their means of explaining their permissible purpose because unfortunately even with a purpose XXXX can not show one form of consent in writing or Electronically giving. 

I ask that this inquiry is immediately removed if XXXX can not provide the proper documentation/ and if they do not have it then XXXX need to ask the companies they sited in their reply for a copy to be once again factually sound. 

Or I will be force to sue XXXX for current inquiries and past inquiry violations they also can not show proof of. 

{$1000.00} per inquiry past and present.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi bank package with {$400.00} + {$100.00} welcome bonus onXX/XX/2019. All the requirements were meet by XX/XX/2019. It has been over 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. Here are more details. There are two requirements to earn {$400.00} + {$100.00} bonus. The first requirement, for {$400.00} bonus, is to keep more than {$15000.00} new funds over 60 calendar days, which was fulfilled by XX/XX/2019. The second requirement, for {$100.00} bonus, is to receive the direct deposit for two months, which was fulfilled in both XXXX and XX/XX/2019. Please ask Citi to post {$500.00} credit as advertised.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX/XXXX Account number XXXX. I have disputed this multiply times. They change it to something else every time. I have a chapter XXXX discharge in XX/XX/2016. This account is still saying account status charge off. They never fix it.
Complaint sub-issue: Investigation took more than 30 days

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 



Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. 
These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and Equifax Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Complaint sub-issue: Talked to a third-party about your debt

Good morning, I have told Equifax that the inquiries did not originate from me nor did i authorize them
Complaint sub-issue: Other problem

I have been attempting to pay off an old debt that is marked as charged off on my credit report. This is relating to an old department store credit card for Macys. It is my understanding that the credit is through CITI Bank and when calling general customer service I was directed to XXXX and XXXX. Any time calling these numbers and reach an agent I am told I am being transferred to the Macys recovery line. When transferred I have been on hold for over an hour and have not been able to reach an agent to discuss or pay off the debt owed. This has happened on multiple occasions most recently I attempted to reach by phone on XX/XX/2020. I attempted to escalate the situation and speak with a supervisor but all agents at these numbers insist that no one else can help me and that they do not have a direct number to call the Macys recovery area, they can only transfer my call to a queue. The last time I attempted to call on XX/XX/2020 I demanded to not be transferred to this Macys recovery black hole where no one answers as it is completely unreasonable to wait over an hour and still not have an agent to speak to. The agent transferred me anyways - did not care at all about my problems or concerns and disregarded my request to speak with his supervisor. Is this normal for CITI customer service to not have steps to escalate phone calls and do the complete opposite of the customers request? This is unacceptable to treat customers this way - just pass them into this black hole queue and to not transfer my call to a supervisor when requested. I have also sent an email to the citi executive email box, on XX/XX/2020, and have not received a reply or phone call regarding my issue. I do know the email was received as I did receive an auto response email I just want to try and pay you the money I owe you - can someone please call me to discuss this? Or can I please get a phone number that is not a black hole of holding?
Complaint sub-issue: Debt was paid

I paid of my XXXX student loan more than two years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from XXXX about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, XXXX apparently has sold my imaginary debt to AES, which now claims my debt is XXXX plus XXXX in unpaid interest. There is no way this is even possible. Ten days ago, I submitted a written request for verification of the debt to AES, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from AES saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I'm not going to start paying made-up debts that I don't owe.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Complaint sub-issue: Debt was paid

I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.
Complaint sub-issue: Account status incorrect

I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, XXXX XXXX, EQUIFAX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Complaint sub-issue: Information belongs to someone else

There is a mortgage reporting on my credit as a derogatory loan and I have never had a loan with US Bank - this account needs to be removed ASAP as I am applying for a business loan and this was flagged on my credit application. This must belong to someone else. I tried to call and write with no success.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Attempted to collect wrong amount

My complaint is with the American Education Services.I received letters from them saying I'm delinquent on my account. I have explained to them that the checks are sent on time a month earlier. For example, my payment is due by the first of the month. I send a check on the 12 or 15 to pay for the next month with the account number and the month the payment is made. Yet even though my payment is early they are saying it is late because they received it on the 15th. They told me the only way I could get this stopped is to set up automatic payment from my checking account. When I asked to know the lender they told me it was the XXXX XXXX XXXX, however on my Statement it says XXXX XXXX. When I asked to speak with the lender directly they told me that I could not do that and that they handle everything I need to know. They would not give me any information about my loan. When I asked for a phone number to speak to someone else they said there was no other number. They are charging me extra money on this loan that I can not afford and should not have to pay since I have all the check stubs supporting that I am make the payments on time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX - unauthorized credit inquiry on credit reports. 
XX/XX/XXXX -I called MobiLoans on or around XX/XX/XXXX XX/XX/XXXX Mobiloans sent email with burdensome items to complete such as getting documents notarized in order for them to start an investigation and remove the unauthorized credit inquires. 
XX/XX/XXXX On or around XX/XX/XXXX I sent letter remove unauthorized credit inquiry to Company via USPS mail. 
XX/XX/XXXX On or around XX/XX/XXXX I sent a second letter Removal of Unauthorized Credit Inquiry 2nd Attempt via USPS Service Type : Certified Mail - - First-Class Mail Return Receipt Electronic # [ ] o Enclosed in my letter to Company I included a company of credit report showing the inaccurate, unauthorized credit entry and other identifying information. 
XX/XX/XXXX - Company acknowledge receipt of my Letter ; Company responded via email on XX/XX/XXXX. ( Note : In letter I sent, I advised that I prefer communication regarding this issue sent via the mail not e-mail ). 
XX/XX/XXXX Mobiloans excerpt from their email ( XXXX ) : o To further address your concerns, on XX/XX/XXXX and XX/XX/XXXX you placed a call to Mobiloans regarding identity theft. On XX/XX/XXXX instructions on how to submit an identity theft claim was sent to XXXX. Currently, Mobiloans has not received the required documents to begin our investigation. Mobiloans is unable to accept your word alone. We are unable to validate an identity claim without adequate information and supporting documents. Again, if you feel that your personal information was fraudulently used to apply for a line of credit, in order for Mobiloans to begin an investigation, please submit to Mobiloans the items listed below.

Mobiloans Identity Theft Affidavit ( must be completed in its entirety and notarized ; incomplete affidavits will delay the investigation of this claim ). We have attached this form a second time for your convenience. 

Current Driver 's License or State Issued ID. 
Filed police report with contact person including a phone number for the police department. 
Current utility bill You may submit the above listed items to Mobiloans by fax : XXXX, by email : XXXX, or by mail to Mobiloans address listed below. 

We are unable to take any action without the above requested items from the consumer. Once the above requested items have been received, we will begin an investigation into your claim. Once our claim has been completed, you will be notified of our results. 

XX/XX/XXXX I filed police report regarding this possible identity theft in relations to this unauthorized credit inquiry, and the attempt of someone using my information to gain access credit using my information. 
XX/XX/XXXX I have sent off information requested from Mobiloan via e-mail, albeit NOT Notarized as this is a burdensome cost and presents a taxing task which I believe is not a requirement based on my understanding of the law in order for the Company to rectify this inaccurate reporting. 

Company ( Mobiloans ) has not removed inquiry as of today.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continuing to verify accounts with out any proof. The accounts are also being reported inaccurately across the board. These accounts are not even reporting my name. When I spoke with Equifax they just said it was a typo but this clearly is an inaccuracy and another MATERIAL fact that is demonstrating more errors in their reporting. 

XXXX XXXX XXXX  Account # XXXX XXXX is reporting this account as charged off in XX/XX/XXXX, Equifax is reporting it charged off in XX/XX/XXXX. You are reporting no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  is also reporting it as ok in XX/XX/XXXX while Equifax is reporting it delinquent in XX/XX/XXXX. 

Equifax is not reporting any close date. Equifax Is reporting this account as sold but not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. this item from my file it is inaccurate and incomplete. 

XXXX XXXX Account # XXXX Equifax Is reporting this account as 60 days late XX/XX/XXXX, no data in XX/XX/XXXX and XX/XX/XXXX and then 90 days late in XX/XX/XXXX, how is this possible? How is still only reporting 90 days late she. there is 2 months in between XX/XX/XXXX and XX/XX/XXXX? Equifax Is also reporting the account as charged off in XX/XX/XXXX but a past due balance of {$5200.00} in XX/XX/XXXX. If its charged off how is a balance being reported? Equifax Is not reporting any close date for this account. 

Equifax Is reporting a last payment date of XX/XX/XXXX while XXXX  is reporting a last payment in XX/XX/XXXX. How can this be accurate if its reporting differently to the credit reporting agencies? Which one is accurate? 

Im also disputing the balance of this account and name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. Please delete this item from my file it is inaccurate and incomplete. 

The XXXX XXXX XXXX Account # XXXX XXXX  is reporting this account as ok in XX/XX/XXXX, Equifax is reporting this account as delinquent in XX/XX/XXXX, while XXXX  is reporting this account delinquent in XX/XX/XXXX. Its reporting differently to all 3 reporting agencies. How can this be accurate? 

XXXX is reporting this account was closed in XX/XX/XXXX, Equifax reports this account was charged off in XX/XX/XXXX and XXXX  is reporting in closed in XX/XX/XXXX. How can this be reported as accurate. 

Equifax Is reporting this account as sold but youre not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

I sent certified letters to Equifax and according to the postal service they were received XX/XX/XXXX. I also attached copies of the credit reports showing the inaccuracies. 

I also sent debt validation letters to the above mentioned creditors and they have not responsed with any proof.