Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

XX/XX/2020 From : XXXX XXXX XXXX, XXXX Cell # XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX To : Fraud Dept ; XXXX XXXX : Dispute Conf. # XXXX Regarding XXXX XXXX  I recently spoke with XXXX who stated that she worked in the Fraud Dept. We were discussing my concerns with having to repeatedly dispute a fraudulent claim by a collection agency who is known to have an awfully bad reputation. I have included documentation from the XXXX XXXX XXXX Profile reflecting that in the last three years this company has 448 complaints filed against them. Please understand that most people do not waste their time to file complaints. I have also included a document from a law firm showing that XXXX lost a {$38.00} XXXX lawsuit in the state of Maryland where I live for filling fraudulent claims, because they had no legal standing. 
As you can see from the Superior Court of The District of Columbia the claim that XXXX filed against me was dismissed and that the defendant has satisfied the obligation to the Plaintiff. Therefore, for this company to continue to claim that I owe them money is fraudulent. Will you please not allow XXXX to continue to violate the law. As you review the Equifax file this claim has been disputed too many times already. 

Sincerely, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Funds not received from closed account

I requested my Citibank checking/savings account closed ~May of XXXX. Since that time, I have communicated with citibank almost monthly ( and ~ bi-weekly since XXXX XXXX ) regarding my missing funds ( ~ {$1600.00} XXXX which were to have been returned to me back in XXXX. 
Every time I call I have to try several options to get an agent, since I never received my account paperwork and thus do not have an account number. I do however provide my SS # which their auto system does not recognize, but when I finally get a service agent & they do some research, they indeed find my account. After long holds, repeating my story, etc. they agree to look into the matter further/get my refund mailed and state they will call me ; they never have. Additionally, when I call they have problems finding any records or notes from previous calls ( possibly due to being overseas? ). This is very frustrating and results in long explanations, holds, etc. Apparently Citibank service center in XXXX XXXX, TX processes these refunds and I have even offered to drive there to retrieve my check. Each time however, my call ends with them promising to put in a ticket to the " back office, '' and escalate my matter to no avail. A few times they have said " check is on the way, '' but never has been. 

Background : I had opened this account online prior to a XXXX and initially funded the account with the ~ {$1600.00}. I never received the hard copy bank documents as I was out of the country when they were sent. Citi says they sent them and tried again, but the friends we had staying in the house said nothing ever arrived. I then gave Citi a forwarding address to which I later was told ( in Fall XXXX XXXX that i had to submit an official letter stating that they could send the check from the closure to the new address. I faxed to the number they provided and Citi stated they never received, however I also mailed it. After a few attempts they confirmed they received the mailed copy. That was approximately XX/XX/XXXX. Since that time they said all was good to go, and it will take 10-15 business days for the check to arrive. I even received an " updated address '' letter from Citi at the new address. Yet, after each call, I wait and the deadline passes ; I go through the same rigamarole again/call and they either have stated there was a glitch, or it was input wrong by an agent ... and once again, they will escalate to " the right department. '' This last time, XX/XX/XXXX, they promised once again they would " personally '' call me back. And of course, again, no call, no check. I have spent hours of my life dealing with this fumbled closure and disregard.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX,XX/XX/XXXXXXXX XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX.
Complaint sub-issue: Account terms

My Equifax credit report is substantially different from XXXX and XXXX reports, specifically there is a XXXX ( XXXX ) and XXXX ( XXXX ) point difference between this XXXX report and the other XXXX. I have tried to resolve this discrepancy with Equifax to no avail. I realize that differences will exist between the reports but I believe that this discrepancy is egregious and is having a horrible effect on my life.
Complaint sub-issue: Information belongs to someone else

There are two inquiries that are not mine. They are the following : CREDIT INFORMATION S DATE : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX 2019
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of  XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Complaint sub-issue: Problem with renewal

Our Citibank Cd was renewed at the wrong rate and duration. On XX/XX/19 I called XXXX and spoke with XXXX to renew our Citibank cd at 2.5 % for 12 months which she offered. Mistakenly, it was renewed at 1.5 % for 13 months. I never got confirmation so on XX/XX/19 I called back and spoke with a very rude and incompetent banker named XXXX who would not help me or give me her supervisor 's contact information. I went to our branch and dealt with XXXX XXXX, Citibank XXXX XXXX branch manager ( XXXX ), and she just filed a dispute to investigate, case number XXXX. I tried calling her back to check on case, and no answer, and could not leave a message. So on XX/XX/19 I call the XXXX number back and am told by c/s rep. XXXX our case was cancelled. She says she will escalate it and gives me a new case number XXXX, and tells me to call back in 10 days. I call back on XX/XX/19 and speak with XXXX who is evasive and says it has been resolved, but can't tell me the results due to privacy concerns. She says I will get a letter at the latest by XX/XX/19, but I did not. They are refusing to correct their error. Also, one of their c/s reps told me that there are notes in their system showing I spoke with XXXX on XX/XX/19 regarding our cd. I was within the grace period. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I'm a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15USC1681 and they violated my rights numerous of times. I demand account listed below to be removed because according to the 15USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Attempted to collect wrong amount

I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.
Complaint sub-issue: Debt is not mine

I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.
Complaint sub-issue: Account status incorrect

I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH MYEQUIFAX.COM. PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED EQUIFAX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE EQUIFAX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. EQUIFAX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. My information was compromised and my identity was stolen. My life is not mines and this has to stop. I reached out to the bureaus on XX/XX/XXXX of last year. I went through all the procedures of what happens when your information is stolen. The bureaus have not done anything on my behalf. I called, sent in certified mail as well as faxed. I have decided to pursue legal action against XXXX, XXXX  and Equifax.I have hire a lawyer to assist me in getting my life back because the bureaus are clearly not interested in helping me.XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX fl XXXX has looked into my case and notice several breaches in the FCRA by XXXX, Equifax and XXXX. 

Here are a list of the Accounts and inquiries that are fraudulent and continues to report XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$4700.00} inquires XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXEquifax XXXX XXXX XXXX XXXX XX/XX/XXXX{$16000.00} XXXX XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX{$16000.00} XXXX   XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$4700.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXDue to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX   XXXX XXXX Customer Service Manager at XXXX   XXXX  XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax XXXX XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax XXXX XXXX XXXX  XXXX XXXX EVP Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX   XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Complaint sub-issue: Public record

Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, XXXX and Equifax and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Complaint sub-issue: Was not notified of investigation status or results

I sent paperwork to update my credit report information to the correct and updated name, address, XXXX, date of birth, and phone number via XXXX XXXX mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.
Complaint sub-issue: Debt was result of identity theft

this accout appeared onmy credit report on XX/XX/2018 I never hearof this company HUNTER WARFIELD in the amount on {$1700.00} it appears on my XXXX XXXX and XXXX credit report. I wa never contected by this company the account just appeared on my credit. it is not my it a fuadlant account and needs to be removed
Complaint sub-issue: Personal information incorrect

I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.
Complaint sub-issue: Public record information inaccurate

Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through Lexis Nexis. Lexis nexis claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company COLLECTION ( Original Creditor : COLLECTION ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Need information about your loan balance or loan terms

I sent a letter of Validation to Great Lakes XX/XX/2020. XXXX an agent signed for the letter XX/XX/2020. Great Lakes has not responded to my request.
Complaint sub-issue: Account information incorrect

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the XXXX, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Complaint sub-issue: Account information incorrect

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the XXXX of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX  of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Debt is not yours

Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.