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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Please see attached documentation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS INQUIRY OR DISPUTE INQUIRY MUST BE REMOVE/DELETE A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. Inquiry : XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry : XXXX XXXX, XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone succesfully opened an account at XXXXXXXX XXXX using my information - I have a credit reporting service MyIDcare who alerted me to the new inquiry. XXXX XXXX was helpful when I called and promptly closed the account, however, I feel credit cards are too easily obtained with minimal validation/verification of the requesting party. There should be stricter measures in place ( Biometric ID Authentication )
Complaint sub-issue: Card opened as result of identity theft or fraud

As part of an ongoing effort to get Discover to recognize that they opened an account in my name without my participation, knowledge or consent, I've sent them several documents proving my position.

Three weeks ago, I got a letter related to a taxable income form they claimed to have sent me in 2018 regarding this account and reporting as income I collected.

This morning, I received notification that they responded to two disputes I initiated with them.

The problem - I never contacted them regarding any disputes.

I'm not sure what sort of con Discover is currently running, but, once again, they are taking action in my name - action that I never initiated or asked for. 

This needs to stop and they need to admit that they were in the wrong for issuing this account to a person who wasn't me.
Complaint sub-issue: Problem getting your free annual credit report

XXXX and Equifax have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.
Complaint sub-issue: Problem with statement of dispute

I have XXXX now asked for the method of verification that Equifax is using to report public records. I 've filed XXXX dispute through CFPB ( XXXX ), and Equifax stated that " Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. " I am getting tired of wasting my time. I have the right to know how the are verifying information. They have had XXXX opportunities to provide me with that information. XXXX times they have failed to do so. Per Per FCRA Section 611 ( a ) ( 6 ) and ( 7 ), I have a right to be told. I 've checked with XXXX Courts, and the Courts are not giving them this information.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.
Complaint sub-issue: Information belongs to someone else

I sent my documentation to Equifax, they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt
Complaint sub-issue: Application denied

I applied for the Citi Double Cash Credit card online ( 2 % cash back ) around XX/XX/2018. After 2 days I called Citi to inquire about the application. I was told my credit is not a concern but they need to process me through their security. 
I was told they will get in touch in me. On XX/XX/2018 I got a notice of an incomplete application. There were no specifics only a number I should call. So I called Citi. I was put through the security department. I inquired why have you stopped reviewing my application what information did they need from me? The agent asked me what number can I be reached at. I told him the one I am calling from and that this is my cell phone and only number. The agent then asked me is there no other number that I can be reached. I said no and he agreed to call me back in 5 minutes on my cellphone so that he can verify I am who I say I am. Agent did not call back. I called that department again three times during that week and I was given the run around and eventually I was told my application has been declined and that a written notice to explain why had been sent out. On XX/XX/2018 I got the notice of a declined application where they said we couldnt verify the accuracy of the information you provided. I am writing this complaint because Citi handled this item very poorly and unprofessionally. I made myself available and I called the number as asked. The agent did not do anything to try verify the so called information they needed. Citi ran my credit and impact my credit score and they should be held accountable.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.
Complaint sub-issue: Account status incorrect

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment
Complaint sub-issue: Public record information inaccurate

I challenged the validity of a Bankruptcy that's being reported on my most recent credit report. Upon Challenging this, XXXX ( credit Bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX  and Equifax they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information they used to verify this account in writing. If such documents can not be produced I request them to please DELETE this account from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. XXXX, XXXX and Equifax did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. XXXX, XXXX and Equifax did not do this. XXXX, XXXX and Equifax states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. XXXX, XXXX and Equifax has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give XXXX, XXXX or Equifax written instructions or permission to furnish this inaccurate late notice for XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I sent a letter regarding inaccurate and unknown on my credit report, To this day over 60 days later, I still haven't received a response. I feel like I am being taken advantage of and being unheard on my concerns. Section 611 ( A ), it is plainly stated that a failure to investigate theses items within 30 days prompts for deletion, this means you are in direct violation of the law.It has been over 60 days and inaccurate items should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have brought upon me. My information was also impacted by the equifax data breach and seems to have gotten in the hands of the wrong person.
Complaint sub-issue: Fee problem

XXXX tried to charged me multiples times large amount of money from my saving account and I never authorized XXXX  to charged me any money from my saving account. and because I don't have enough funds when they tried to charge me from my saving account so Citi bank charged me 4 times of return check fee. 3 times of {$34.00} and one time of {$68.00} and Citi charged me {$170.00} total of return check fee but they only agreed to gave me two times of {$34.00} back which its {$68.00} and they aren't willing to give me rest of {$100.00} back and I am not happy about it, since it's unauthorized transaction in my account cause saving account charged me the return check fee and since it's unauthorized why am i responsibility to pay for the overdraft fee charge from my account?
Complaint sub-issue: Debt was result of identity theft

I received notification that a collect account was reporting to my credit report from an account I have no knowledge of. I spoke to the original creditor who asked that I submit a fraud complaint form and I would receive resolution. The complaint was submitted and I was left a voicemail that the debt was validated based on a match from public records. I requested a signed original contract as well as any and all validation they have to prove this is my account and NOT a result of fraud. I have since proved to the CRA 's that the " public information '' is inaccurate and it has been removed from my file ( i.e. address ). The collection agency was able to provide me information regarding the debt by locating the account using my SSN. They provided me with the Account number which has lead me no where with the Original Creditor. When speaking to the original creditor, I have been advised they ( the front line representative ) is unable to discuss the account without the account passcode. I informed them seeing as how the account was established without my authorization, I do not have that information. I have been unable to receive resolution from either the original creditor nor the collection agency that is reporting this debt.
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 report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have 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. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate
Complaint sub-issue: Trouble with how payments are handled

I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.
Complaint sub-issue: Debt is not yours

This complaint is about the account # XXXX, which the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX claim I owe {$12000.00}. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ever had some contractural obligation to pay them for a debt that I dont owe, is a violation of the FCRA & FDCPA ; XXXX if XXXX XXXXXXXX XXXX / XXXX XXXX XXXX can not validate I have wrote to this company and Equfax over 30 days I Never get anything received back from this company this is the result of identity theft that amount I don't owe and never have any associated with this company
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Account status incorrect

i made a complaint against XXXX bank and my complaint was handled very poorly by CFPB i sent alone with my complaint XXXX pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against XXXX # XXXX complaint aganist equifax # XXXX complaint against # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u
Complaint sub-issue: Problem with customer service

I have now called FedLoan Servicing 5 times. I have been on hold from XXXX minutes at a time while trying to contact them. I have been locked out of my account so I can't update my phone number and I can't email them because it requires logging into your account. I am trying to get documents to refinance my loan and it has been extremely difficult to get ahold of them to get the proper documentation. I still haven't had my call answered and can't get ahold of them any other way.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Complaint sub-issue: Problem getting report or credit score

Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2021 - Credit pulled by USBANCORP, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by USBANCORP. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called USBANCORP and they suspect fraudulent activity. I also called XXXX  and they recommended I submit a complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report