Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2014 my wallet got stolen and I reported all of my cards. I was charged on a few including my XXXX  card that I m now complaining about nd taken to collection. My other cards, the amounts not mines, were disputed. However, XXXX took me to collection without taking my dispute in consideration nor my complaints. I told them what happenwd but they did nothing to help me. They just wanted to charge me and disregard my complaint. The amount on XXXX Card charged is about 990-1,200. They continue to send me letters changing the amount. They ruined my credit but continue to charge me as well as debt collection.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX  #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Funds not handled or disbursed as instructed

I want to file a complaint against Citi Bank for a fraudulent check that was cashed with out my authorization on XX/XX/2023 I pay the rent every month to my landlord for the same amount each month, but this time was for {$1500.00} The check was mailed out to my landlord XXXX XXXX and somehow this check was stolen and altered with a different amount {$3400.00} and payees name XXXX XXXX I have filed a police report. 
I have filed a dispute with the bank, on XX/XX/2023 Case # XXXX, I filled out the affidavit XX/XX/2023 but they have not been able to resolve this issue.
Complaint sub-issue: Talked to a third-party about your debt

Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. 
The collection information is not deleted from my credit report after the Settlement was made.
Complaint sub-issue: Reporting company used your report improperly

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.
Complaint sub-issue: Deposits and withdrawals

Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$240.00} per transaction, causing me to incur excessive out of network atm withdrawal fees. 

CFPB is also not allowing me to view the company 's response ( pdf attachments ) - so here 's more work for you XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX and was forced to skip my mortgage payments during the pandemic. I have been XXXX and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, Equifax and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.
Complaint sub-issue: Old information reappears or never goes away

Its things that are on my credit report that have the dates open and the dates last reported wrong and or different on my credit report
Complaint sub-issue: Information belongs to someone else

Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.
Complaint sub-issue: Information belongs to someone else

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. By law all information on this report must be verifiable. If the bureau can not please direct them to delete it from my report. 
XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX, 2021 XXXX  XXXX, XXXX XX/XX/2021 XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies / credit bureaus and banks are reporting fraudulent inquiries, transactions and inaccurately debt which has left me with a disability  to obtain lines ( s ) credit ( s ).

The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. XXXX XXXX : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE,
Complaint sub-issue: Other problem getting your report or credit score

I am currently applying for a mortgage loan and the lender can not obtain my credit score through Equifax. I have contacted Equifax numerous times and they tell me that all information is correct in my credit file, but the lender is still receiving a no record found message when they are attempting to obtain my credit score. There are no issues with the other two credit bureaus.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

During a dispute regarding a fraudulent charge on my Citi credit card for supposed damages to a rental car, I was given explicit instructions several times regarding how to upload evidence, and specifically how to upload photos of evidence, what format these photos must be in, and how many photos to upload per email. I received a confirmation email that the evidence and photos had been received by Citi. During the escalation of the dispute, I had further conversations with Citi representatives confirming their receipt of evidence and photos. 
I then received and email for the Office of the President, Citi XXXX XXXX XXXX, Stating : We sent you a letter dated XX/XX/2020 requesting that you provide a specific response to the merchants claims. In addition, we explained photographs are not accepted. 
Because we did not receive the requested documentation, we have no further recourse to obtain credit from the merchant through the dispute process. 

This was responding to this complaint : I called Citi on XX/XX/XXXX and spoke to " XXXX '' at XXXX pm. She told me Citi hadn't looked at any of the evidence, that if a merchant " disputes the dispute then it is automatically reversed back to them, and I could appeal the decision by sending in the supplied letter signed and dated ''. EXPRESSLY stated in that letter was to NOT send any documents with the letter, but to send all my documents separately. I asked XXXX why they didn't even look at what I'd sent before making a decision, and why I'd need to re-send documents to the same address I had already sent them to. She put me on hold to speak to a supervisor and came back saying she could " open the documents and see everything, and I did NOT need to re-send anything ''. She told me Citi would be in touch with me if they needed any more information for their investigation. I received an email form Citi on XX/XX/XXXX thanking me again for my submission of the dispute details. 

So, either Citi 's XXXX XXXX XXXX is completely unaware of their own company 's dispute processes, or they are lying to me. I have also written directly to the Office of the President, and am waiting for a response.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name and 4 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to dispute credit information with Equifax, I cant log in I called them and they basically said u have to have a paid membership. I should be able to dispute inaccuracies without membership
Complaint sub-issue: Reinserted previously deleted info

I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted.
Complaint sub-issue: Information belongs to someone else

Considering recent investigations brough upon Equifax, I find that my consumer file is being irresponsibly tampered with. Congress made it clear that you the consumer reporting agency assumed this role to operate in fairness, impartiality, and respect my rights to privacy as a consumer pursuant 15 USC 1681a ( 3 ). Equifax was unfair, partial, and failed to respect my rights to privacy as the consumer pursuant 15 USC 1681a ( 4 ). I never instructed Equifax or any other Credit reporting agency to furnish my report or to even create an account on my behalf pursuant 15 USC 1681b ( 2 ). Again, you never had permissible purpose and I never consented to this report in the first place and the fact Equifax didn't exercise their grave responsibility
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my instructions.
Complaint sub-issue: Account information incorrect

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, XXXX  and Equifax have failed to respond.
Complaint sub-issue: Reporting company used your report improperly

This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and SYNCB/Care Credit ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against Conn 's located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. EQUIFAXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX {$340.00} XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}
Complaint sub-issue: Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions