Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

On Sunday XX/XX/XXXX I attempted multiple times to add a merchant to my bill payments on the mobile app as well as the website using my computer Citibank mobile app and website continue to have multiple issues after the system locked me out due to Citibank error I called into customer service and was provoked into a very hostile arguments regarding my account in which the customer service agent acted like he can not understand the card number I gave him or the phone number then I called back and got the same agent who act like he could not understand any English when he answered the phone he didn't know if he wants to ask my name phone number or card number the conversation went on tours 10 minutes when I said you know what let me talk to a supervisor because he wanted to continue playing games and then when he came back to the phone then he wanted to try to whisper that the car was being monitored or recorded so either way they have at this point purposefully I feel locked me out of my account and refuse me access to talk to a supervisor so that I can gain access to my own account privileges due to one rude and competent agent and Citibank having some system-wide error with their Mobile Banking and online banking system unacceptable
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Equifax is guaranteed to fulfill the FCRA regulation but regardless of all my labors to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the following Items removed now! 

XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, XXXX, Equifax added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XXXX/XXXX/XXXX and the loan officer informed me. The only information provided to the officer in their report was the claimed collection amount. The collection account did not include a collection agency name, it literally says N/A, it did not include contact information or any information regarding the account. Equifax made no attempt to validate the collection or collection agency information prior to adding it to my credit report. When I contacted Equifax, I was informed that my personal data was compromised in the XXXX XXXX data breach. The customer service representative I spoke to " strongly encouraged '' purchasing additional security monitoring from Equifax to avoid future fraudulent activity. When I declined, the representative informed me that there had been no validation attempts by Equifax, that it was most likely the result of the breach, but that nothing could be done and the collection would remain on my credit report for 7 years even if paid off. I informed the representative that I had attempted to request a credit report online and the system refused to allow me access to review the account for other signs of fraud. I also informed the representative that I had filed a dispute on XXXX/XXXX/XXXX and my credit report was not reflecting that the item was in dispute. The representative provided me with a confirmation number and informed me that I would possibly have a response in 30 days. I have attempted to check status on the dispute using the provided confirmation number and can not find any information on it. My loan officer advised me that my current credit report does not reflect said dispute. The collection agency information provided by Equifax does not include a phone number to request more information. The collection is a scam.
Complaint sub-issue: Information belongs to someone else

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Debt is not mine

XXXX XXXXAfni Account # XXXX XXXX, 2015I am writing because I would like to open an investigation against Afni Collections, ( a debt collection agency for XXXX ), at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX . The reason for the request, is that there was an account opened with XXXX, at an address that I NEVER resided at- as the account was not opened by me. 

The discovery was made, when I went to apply for credit and was denied. After reviewing my credit profile I realized there was a collection account on my profile for an account that I had not opened. 

I called the collection agency associated with the account ( AFNI ), to advise them of the discrepancy, and inform them that the debt was not mine, and that I never resided at the address that the service was opened. I also advised them that I was upset that my credit was affected as a result, and maintaining a good credit profile was is important to me. I was advised to pay the debt, and I felt the only way to regain good standing with my credit profile was to pay the debt ( even though I did not open the account. ). 

I offered to make a settlement on the account, they did not accept the settlement amount that I offered, and provided a counter offer. I eventually accepted and paid the counter offer- because I was desperate to preserve my credit profile. 

Afni advised that they would NOT remove the item from my profile, because this is NOT what they do- ( even though I made EVERYONE I spoke with aware that I did NOT open the account, and NEVER resided at the address where service was opened ). Because I felt I had no other recourse to attempt to restore my credit, I paid the settlement amount. I stated that this was not fair because I NEVER LIVED at the address where service was opened. 

During my initial telephone conversation with AFNI ( XXXX XXXX, 2015 ) - I gave them my address and telephone number, ( the ONLY address I have resided at for the last 5 years ). Shortly there after, I received a letter dated XXXX XXXX, 2015- stating that I had 30 days to reply to the letter, or they would assume that the debt was valid, and report it to the credit bureaus. However, they had ALREADY reported the debt to the credit reporting agencies- prior to me receiving the letter- giving me NO opportunity to respond- AND they advised me that they would NOT remove the item from my credit report. 

Tell them that you are requesting that this agency be required to remove this item from tourncredit entirely and be instructed to stop extorting funds from people under the threat that they will and can ruin their credit. 

At this time I am requesting that this agency be required to remove this item from my credit report entirely, and be instructed to stop extorting funds from people under the threat that they will ( and can ) ruin their credit!!!! 

Again, I am also requesting that the practices of this agency be investigated, as I am certain that they are in complete violation of the FTC Consumer Protection act, and the Fair Credit Reporting Act.
Complaint sub-issue: Account status incorrect

I purchased a new vehicle on   XXXX   XXXX   XXXX   at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my   XXXX   XXXX   which was Financed with   XXXX   XXXX   XXXX  ,   XXXX   XXXX   obtained a 10 day payoff in order to send  XXXX  the correct amount owed. I started receiving collection calls from   XXXX    around   XXXX   XXXX   asking for payment from me I stated that I traded the vehicle in on   XXXX   XXXX   and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with  XXXX  but they did not remove it. The Dealership overnighted the payoff check on   XXXX   XXXX   and now my credit suffers because of it.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax several times now. By phone to their ID Theft / Fraud department. Also by email. By online dispute, by mail. Nothing is resolving the Identity theft that has occurred on my credit report that EQUIFAX Refuses to block. Per the FCRA you have a right as a consumer to request any fraudulent accounts and or debt collection efforts to be blocked if you are a victim of Identity theft. They have been notified of such accounts and yet refuse to block these accounts from my credit files, even though other reporting agencies. XXXX, and XXXX have already blocked the information.

I want the XXXX XXXX XXXX XXXX  accounts blocked. I did not authorize these accounts, i did not benefit from these accounts. You are reporting these inaccurately then advising me these are my accounts. Per my AFFIDAVIT I am a victim of ID Theft. As a consumer whom has been a victim i have a right to request the fraudulent account be blocked from my credit file. I am exercising this right.

Lastly there is a account from XXXX XXXX XXXX that i did not open. I also did not receive benefit from this account and discovered this account after my wallet was stolen and my ID was used to open this fraudulent account. Additionally all of the XXXX XXXX XXXX XXXX XXXX accounts are fraudulent. I did not open any accounts with XXXX XXXX XXXX XXXX XXXX. I have never opened an Auto Loan with them, Nor have i opened any credit cards nor a line of credit. All of these are showing as Charged off. These are fraudulent and i want them blocked from my credit file immediately. There is also an account with XXXX XXXX XXXX that XXXX XXXX has verified that is fraudulent since i have already reported identity theft to XXXX XXXX. They solved this with their Online Fraud Department and their Identity Theft Operations departments which verified i am a victim of ID theft and they stated they would remove it from my credit file immediately.

Additionally you are showing a XXXX XXXX  credit card. This was also opened fraudulently. I am working diligently with these Card companies. I want this information blocked from my Equifax Credit file per the FCRA requirements since i am a victim of Identity theft and i am providing you with a Law Enforcement Affidavit below. Please update your files immediately and send me a new credit report with the blocked information deleted.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, 2021 I obtained an automobile loan through Ally Bank for $ XXXXOn XXXX, 2021 the car was in a car accident and was totaled by XXXX insurance company XXXX XX/XX/2021 Ally reported to the credit bureau XXXX automobile loan in the amount of {$29000.00}. After they received a payment of {$19000.00} from XXXX. I contacted Ally and informed them their reporting information should be corrected I also filed a dispute on both occasions I was informed that the information was correct. In XX/XX/2021 GAP Insurance paid an additional {$4000.00} on this account. However as of today XXXX XXXXmy credit report shows that I still owe Ally {$29000.00}. Ally has refused to update my credit report with the correct information
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a collections company that is not providing me with any information. I contacted my insurance company XXXX and the collector XXXX to see why was I charged a bill for {$580.00} that I did not know about. Was told by XXXX that they reached out to the hospital about charges but there are no records and I have reached out to them as well. I reached out to XXXX  and all they are saying that I have a collections but no proof of what the charges are for. The bill I got for the hospital was paid and the doctor did not do anything for me. I basically paid to get my XXXX XXXX took because my XXXX XXXX XXXX had left before they could get a doctor. I was not given anything and was told to see my XXXX  which I did and she was paid through my insurance XXXX. I have requested for Equifax to provide me with documents from the doctor of charges because I have insurance that pay majority of all my medical bills. No one can provide records and I need to see what I am being charged for. Now I have a collections on my credit report and I do not know why. Bureau is not giving me any information on what they are being told by collections agency so these disputes are pointless. I pay my bills on time so this is very frustrating that no one can provide me what I am asking for. Also, the amount changed after the first dispute and I asked about that but got no response. What is the point of providing my proof when these companies are not providing me with anything. If this is the case any company can say I owe them. None of this makes sense to me and I would like a detailed response not a generated reply.
Complaint sub-issue: Trouble using the card to pay a bill

I purchased several prepaid Mastercards and I am unable to log into the website and verify the balances on the cards. Also, I am unable to register the cards. A vender tried running the cards and ALL were declined. Calls this date to customer services to notify them of the website issues were ignored.
Complaint sub-issue: Debt is not mine

When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.
Complaint sub-issue: Account information incorrect

The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.
Complaint sub-issue: Attempted to collect wrong amount

I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. 

I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

Please update all of my personal information on Equifax, XXXX, and XXXX.
Complaint sub-issue: Account status incorrect

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}
Complaint sub-issue: Inadequate help over the phone

I am disturbed that equifax continues to list the dismissed bankruptcy as confirmed within my credit file past 7 years XXXX. Although it is there policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section XXXX 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, they 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 Case Description : Equifax refuses to remove 10 year old Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax credit report
Complaint sub-issue: Information belongs to someone else

I have no knowledge of this credit account XXXX XXXX XXXX   XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Information belongs to someone else

I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.
Complaint sub-issue: Old information reappears or never goes away

I have disputed a XXXX XXXX XXXX  account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.
Complaint sub-issue: Information is missing that should be on the report

The following Alleged Charged off Account XXXX is being reported inaccurately and needs to be deleted. 
The credit reporting agency failed to furnish the date of the last activity, and various other data fields are left incomplete. The amount charged off is lower than the balance and past due balance which leads me to believe this data furnisher applied additional charges to the account after it was " charged off '' delete immediately!!!. 

The date of the first major delinquency ( XX/XX/XXXX ) is contradicted by the date of last payment ( XX/XX/XXXX ) and the Payment Status Codes for the date of XX/XX/XXXX ( A month after the alleged date of first delinquency ) is 1 Which means the account was either paid on time or not more than one payment past due. The Date close is Allegedly XX/XX/XXXX but the Payment history calendar Scheduled Payments section shows Schedule payments for up to 3 Months after this account was allegedly closed Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.