Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

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

My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have make a purchase on my Citi XXXX credit card for XXXX XXXX XXXX XXXX for {$56.00} on XX/XX/2022. The company mistake charges me {$180.00}, which is the wrong amount. I open a CITI billing dispute the first time I found the problem on my statement. I send CITI the online receipt for the store who shows the actual charge of {$56.00}, and also the XXXX receipt which also shows the {$56.00}. However CITI decline my claim since the merchant sent them some proof, but that document did even not has my name on it. It is a purchase history from another person. I called CITI immediately and the representative said CITI will reopen the dispute for me. But Until now I still see that overcharge of dispute amount {$120.00} on my credit card statement. I feel really bad as CITI is not contacting me for trying to help their customer to dispute for something clearly wrong!
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX has mailed me to letters about two check I wrote that did not clear and I still owe money. I contacted both companies and my bank. I was informed my my debt was payed. My first letter, was a debt from XXXX/XXXX/XXXX XXXX XXXX XXXX for {$200.00}. My second letter, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX for {$50.00}. I have tried to call there place of business no one answered the phone. My dentist secretary also called and did not get an answer either.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XXXX XXXX EQUIFAX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : XXXX, EQUIFAX, XXXX Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded.

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES.

PLEASE SEE BELOW ATTACHMENT
Complaint sub-issue: Investigation took more than 30 days

I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.
Complaint sub-issue: Account information incorrect

I made a purchase using Sezzle. The item was never received. I reached out to sezzle to try and get some assistance and they were absolutely no assistance. They opened up a dispute and quickly closed it saying it was shipped. I then opened a dispute with the credit card that I used on sezzle. Between them reaching out to the company and me as well we were finally able to get the charge credited in full. I owed nothing to sezzle and the complete charge was credited back. While the credit card company does their research they do a charge back to sezzle and advise it is under dispute because they did this sezzle is stating i was late on my payment. I was not! I never receievd the item, the company i ordered from even credited the item in full after their investigation as well and sezzle was aware of the issue this entire time. I have attempted several times to get the late payment off my credit report and I originally was told this would be taken care of. 3 months later it is not. I reached out again after several ignored responses on their said and now they are advising they " can't go back and fix something already reported '' I don't have missing payment on my credit report. I am in the process of buying a house and this is effecting it and I have everything to prove this item was credited in full and it was never received and sezzle was aware from day one. please help!
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple letters and made request online in XX/XX/2017 to have fraudulent inquiries removed from my credit profile. Equifax has been no help in this situation even with my Personal Information being impacted twice by their cyber breaches. Equifax did not look my disputes they sent me a generic letter explaining what an inquiry was instead of helping rectify an issue caused potentially by their breach.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, 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
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. 
I paid my final balance on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. 
On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. 
I was informed by collection agency to contact XXXX directly to resolve the false charges. 
I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. 
The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 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
Complaint sub-issue: Don't agree with the fees charged

AES claims that I owe them an amount ( and will not disclose if this amount is the final amount or if I will owe more in the future ) on my private loan consolidated in XXXX through XXXX XXXX now XXXX. AES claimed I refinanced not consolidated in full, so I owe them money. I have paper work showing they were consolidated in full and emailed these documents to AES. They never replied but continued to harass me with phone calls after I asked them to stop, and ruining both my credit and my co-signer 's credit. Neither company upon request will contact the other on my behalf. This has been going on for over a year. I make a monthly payment of $ XXXX to XXXX every month. I feel that I am being responsible for paying my student loan on time. My private loan to XXXX is over {$25000.00}. AES wants amounts of {$290.00}, {$130.00}, {$270.00}, and {$170.00}. They tried to collect with a lawyer and I contested asking for proof. All I received were the original loan documents not any paper work on the consolidation or so called refinancing. All the paperwork AES sent states that the last day of payment was XX/XX/XXXX. XXXX is when I consolidated my loan with XXXX/XXXX XXXX. The original principal balance of the consolidation loan I took out through XXXX XXXX was {$32000.00} and the paper work says paid in full. The loans paid in full were through XXXX XXXX/XXXX XXXX XXXXXXXX. One at {$8000.00} in XXXX, {$3500.00} in XXXX, {$8000.00} in XXXX, and finally {$5000.00} in XXXX. I have tried several means of communication and I give up. My next move will be to find representation if this is not settled in my favor. I received a letter from AESnon XX/XX/XXXX, stating they received a directive from my lender to delete trade lines assoc with my loans issued by NCT. I thought the worst was over. However, my husband and I are trying to get a mortgage through our credit union but my score is too low. I called AES and they said their accounts show me as defaulted and they have turned the matter over to NCT. AES claimed no knowledge of my letter from AES ( on official letterhead stationary with all my account numbers ). Meanwhile non of these companies will contact each other and I am being abused. Please help. Thank you for your time.
Complaint sub-issue: Can't qualify for a loan

As of the end of this summer, I will have been a graduate student at XXXX University in XXXX, Georgia. I have applied for a SallieMae loan most of the semesters that I have been attending there, and every time that I have, SallieMae has approved my loan without any strings attached. But suddenly, and for the first time, they are requiring me to get a cosigner to acquire a loan. There is nothing in my credit history over the last half year that would even suggest that I have suddenly failed to meet the standards required to receive a loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to the company LJ Ross and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to LJ Ross on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
Complaint sub-issue: Deposits and withdrawals

will not unfreeze my account, also will not disclose the reason of why account had been frozen and each rep spoken with have lied numerous times about situation as well as being rude and ignorant and just completly unprofessional, and as well as supervisors i was trans over to speak with them as well. i need help with this please my account has been frozen for months now and ive been lied to for months on who to call to reslove this ive been lied to and told the state of PA froze the account which is not true at all the bank put a freeze of account with no legitimate honest reasoning why and refusing to give me explaination of why and how to unfreeze, i have submitted every document i was asked over 10 differnt times with proof of phone calls, emails and faxes ive sent. please help
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTS, and I'm including these again : XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Complaint sub-issue: Debt resulted from identity theft

I have no clue why I owe money to this medical company and debt collector. If i do, I have no clue how to pay it off because I do n't know where it came from. If you could help me dispute this or at least help me find a way to pay it off so I can finally get it off my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Debt was result of identity theft

Upon checking my XXXX XXXX monitoring service I noticed a loan from Spotloan that was received in XX/XX/XXXX. I have not applied for any loans in XXXX, XXXX XXXXWhen I disputed it, whatever type of investigation they do, XXXX is leaving it on my credit report. I DID NOT APPLY FOR THIS LOAN!!!!!!!!
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX XXXX. 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 asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Complaint sub-issue: Funds not received from closed account

My complaint is related to a COVID-19 small business grant awarded to my business. XX/XX/2020 I received a grant from the XXXX County small business association. The money was for payroll and other  business needs. While in the process of closing my account I didn't realize and forgot to update my info with the business association. The grant was deposited a few days after closing of my account so I contacted the bank and explained the issue, I was asked to provide proof of business. I have provided proof they asked for but they have yet to return my money. I have been hung up on and recently been told I wasn't any where in there system as a client. I get transferred from person to person and treated very poor by citibank staff.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has XXXX  up my acccount since the data breach. I have not been able to access my account even though I have filled out and submitted their form to prove my identity several years ago. I am trying to do a VAIRRL refinance on my existing VA mortgage. The VA requires that the bank have access to all three credit bureaus. Since I can't give them access ( all three are frozen ) they can not process the loan. I have tried for years to straighten out this problem to no avail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX I sent a letter to Equifax about some inquiries on my credit report that were not authorized by me. Without my written consent no inquiries are to be reported on my personal credit file without my permission as stated by FCRA. Also FCRA states that a response to an investigation must be made in 30 days or items must be removed. I have yet to receive any communications.
Complaint sub-issue: Other problem

I have an Upgrade card with a {$2000.00} limit. It's on autopay and I've never had any problems until I changed my phone number. I called to update my phone number on my account like I've successfully been able to do with all of my banking and credit cards... until I got to them. They asked me to provide a pdf format bill of my old phone/new phone number account. But I don't have it because I have a pre-paid account. You don't receive downloadable bills when you have a prepaid account. So, I took photos with my Upgrade account cards along with my driver 's license. They said it wasn't good enough. I took screenshots of my new phone account information which included all of my information and showed my new phone number. They said that is not enough. I then said, forget it. I guess I won't be able to get into an account that I am STILL making monthly auto payments for. Then, I asked if they could ( at least ) please remove the old phone number because I obviously have no access to it any longer. If that is my verification method and I don't have access to it, that's a security risk. Well, it's still on there. They will NOT allow me to update my phone number and therefore I have zero access to this credit account that I am still paying monthly. There have been numerous communications by phone and email. I don't believe it is right that I'm telling them I have no access to my old phone number and they leave it on the account anyway creating a security risk. Also, the rule that you have to have a downloadable pdf bill for your phone is ridiculous. I have EVERYTHING to verify who I am but that's the only thing they will accept. They're basically saying that if I don't have a contract phone or a landline, that I can not change my phone number with them and thus can no longer access an active account of my own. I need help.
Complaint sub-issue: Information belongs to someone else

fraudulent accounts were listed on my consumer credit report.
Complaint sub-issue: Report improperly shared by CRC

XXXX took money from my credit card for payment over two years and later sent me collection agency to get their money. Eventually the Merchant Credit took me to court to get the money in XXXX 2015 and they told my to take legal action on the money they took from my credit card. After XXXX 2015 they continued to take money from my credit card even though they told me my account balance is zero. XXXX XXXX Bank put a dispute and when we had a conference call with with XXXX help, they could not provide the answers about taking my money illegally. The collection agency report affected my credit score which I believe was not right.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX allege account XXXX, 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX Bank on my XXXX  credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the Better Business Bureau I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, XXXX  is still reporting both accounts.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this