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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX, I learned of a security breach in Equifax. This lead them to advise me that my information may have been provided to unknown parties without my written or verbal consent.
Complaint sub-issue: Debt was paid

Received numerous calls from some company by the name of D2 Management regarding an alleged debt of over $ XXXX. I asked their representative do I have a contract with them and who gave them permissible purpose to contact me as I am listed on the national do not call registry. This person stated that they are calling on behalf of a client that I owe money to, yet she still would not tell me who this company was. They called from a bogus number ( XXXX ) XXXX which is definitely a red flag. If they are a legit company, why not be up front and honest about their whereabouts and their actual real number? The representatives got really belligerent because I asked them questions about the validity of an alleged debt, stating how they can see my credit report and how I don't pay my bills etc. I don't understand how this company can call and harass me although I am on the national do not call list. I asked very pertinent questions about this alleged debt that they just could not answer which caused them to get upset with me and ultimately hang up in my face. I would like this issue to be taken very seriously as they do not have the right to call me at my place of employment and threaten and harass me about an alleged debt that they just can not prove. I will be looking for this issue to be solved and this company reprimanded.
Complaint sub-issue: Account status incorrect

The following late payments are billing errors pursuant to 15 USC 1666b
Complaint sub-issue: Don't want a card provided by your employer or the government

Received US Bank reliacard in my name without requesting. Long wait time to deactivate card.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dispute-Hard Inquiries : CITBANK NA BEST BUYXXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called XXXX  for inaccurate XXXXnquiries/other inaccuracies- XXXX  took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called Best Buy, Citibank NA- Best Buy Citibank asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call XXXX  back. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX  tells me to call the furnishers, they cant do anything. XXXX makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Complaint sub-issue: Information belongs to someone else

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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: Account status incorrect

I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you
Complaint sub-issue: Problem accessing account

I have an online and mobile banking account with Citibank for 5+ years. I have two active credit cards and 3 closed savings account that are linked to my online credentials. The credit cards have been active for multiple years. The 3 savings account were closed around XXXX 2021. I am able to view statements and manage payments to all 5 accounts up until XX/XX/2021. 

In XX/XX/2021, I am no longer able to access my online banking account including mobile banking. Every time I login, I am directed to an " Activate Your Card '' page. This is not due to an incorrect or invalid username or password. I have no cards to activate and I can not get past the card activation page to view any of my accounts. This is the same behavior observed on the Citi mobile app. 

Multiple citi representatives have confirmed that : 1. I was able to successfully login. Confirming that there are no issues with my login credentials.

2. They were able to verify that I have 5 accounts. ( 3 closed savings and 2 open credit cards ) No one has been able to offer a resolution to regain access to my accounts. Credit card department says issue is with my closed accounts. Banking department says the accounts are closed and they can not override the Activate Card page. 

The fundamental issue is a bug in their online banking system. Why am I being redirected to an Activate Card page when no cards have been sent to me to activate? Why should a closed account prevent me from seeing my active accounts? Why is this issue taking place now when no changes have been made to my account since XXXX 2021? 

I need access to my online account to : - Pay my current credit card balances- View and manage the two active credit cards - View banking statements for the three closed bank accounts - View 2021 tax documents for the three closed bank accounts I've called 3 times, talked to credit card department 3 times, transferred to tech support twice, transferred to banking department 3 times. No one has been able to resolve my issue and I am still not able to login to my account.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was going to book a flight on XXXX for my daughter. Because of the high price I decided to accept the XXXX $ of your ticket by applying for a XXXX / AAdvantage Platinum XXXX card. I applied and was approved. 

I then learned it will be XXXX days to receive the card but I need to purchase the ticket within XXXX hours. 

I could n't find a number at XXXX that could help, but was able to communicate via twitter. They told me I needed to wait for the card to arrive before I could use it. 

I was told I would get XXXX $ off the ticket, but that is not possible. I wo n't get the card in time to purchase the ticket. This was false advertising implying I would get XXXX $ off this ticket.
Complaint sub-issue: Information belongs to someone else

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Complaint sub-issue: Debt was paid

I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered. 

Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.
Complaint sub-issue: Their investigation did not fix an error on your report

I checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX
Complaint sub-issue: Account status incorrect

This complaint involves a  XXXX   XXXX  card with  XXXX    XXXX   or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I h ave allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and  XXXX  cards in the past and successfully paid them off.
Complaint sub-issue: Attempted to collect wrong amount

Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, XXXX : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently homeless. Please HELP! 

Thanks, XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I have several consumer loans I am making payments on that Equifax refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to Equifax on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.
Complaint sub-issue: Investigation took more than 30 days

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Complaint sub-issue: Investigation took more than 30 days

XXXX and Equifax are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years. This BK aka public record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both XXXX  and Equifax have different dates both of which are incorrect. 

3 ) I attempted to dispute this with XXXX  over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from XXXX  .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

Equifax website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly
Complaint sub-issue: Information belongs to someone else

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Attempted to collect wrong amount

FROM : XXXX XXXX XXXX XXXX/XXXX/XXXX TO WHOM IT MAY CONCERN : I DISPUTE THE COLLECTION ACCOUNT BY PUGET SOUND COLLECTIONS ON BEHALF OF XXXX THE CORRECT AMOUNT IS {$1400.00} NOT {$2100.00}. 

During the past 12 calendar months, XXXX billed my health insurance, XXXX XXXX XXXX, for XXXX different service dates. The total amount XXXX XXXX has been paid to date in XXXX is {$6600.00}. A total of {$7100.00} was billed. I am not responsible for the charges that total {$1400.00} from XXXX XXXX, XXXX. Attempts to collect any amount from me should be ceased and this account immediately canceled. 

I have paid the maximum out of pocket amount for my XXXX XXXX XXXX XXXX XXXX XXXX insurance plan. XXXX claims, including this one from XXXX, are still being processed by XXXX XXXX XXXX. I have never received any bills or notices from XXXX. I became aware of this account from my XXXX credit report. 

My health insurance carrier, XXXX XXXX XXXX, is still processing this claim for services on XXXX XXXX, XXXX. XXXX XXXX XXXX thought that my auto insurance carrier, XXXX, was financially responsible for this claim. This is simply not true. I had a policy limit of {$10000.00} for XXXX XXXX Protection. That amount was exhausted quickly by other claims. XXXX XXXX XXXX is responsible per the terms of my health insurance policy. Ultimately, they will have to pay this claim. 


Sincerely, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Complaint sub-issue: Their investigation did not fix an error on your report

This Credit bureau is reporting an account that needs to be removed immediately from my credit report. A XXXX XXXX account should NOT be on my credit report as it is a fraudulent and inaccurate account. I have filed a complaint with CFPB that did not get resolved. 

THIS INACCURATE CHARGED OFF XXXX XXXX ACCOUNT IS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY OR FURTHER LEGAL ACTION WILL BE TAKEN. 

Last XXXX digits of my SSN : XXXX
Complaint sub-issue: Information belongs to someone else

My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX : {$110.00}
Complaint sub-issue: Attempted to collect wrong amount

I already filed a complaint related to an equipment lease from years ago. The complaint was resolved and US Bank said that they accept {$1200.00} as a buyout for the equipment that we accidentally gave to the maintenance company instead of the leasing company at the end of our lease. 

I do not know how we ended up in this contract as it was not signed by an officer of our company. It appeared to be signed close to a decade ago by a regional manger during a time of limited corporate oversight. We continued to honor our supposed commitments under the contract and made payment despite concerns about it's legitimacy. The contract ended and we attempted to return the equipment to the lessor, but mistakenly returned it to a 3rd party that disposed of it. 

I explained that we could not return the equipment to the lessor and they said that they could accept about {$1200.00} for a lease buyout. I expected to receive an invoice for {$1200.00} but instead received one for $ XXXX as if the lease is just going to continue forever.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have tried to dispute the illegal charge of {$74.00} charged to my credit card issued by Citibank ( last four digits of the card number is XXXX ). 
The charge is by XXXX XXXX on XX/XX/2019. 
I have tried to dispute this charge many times over the phone with Citibank, but I was told over the phone by customer service of Citibank that they would not accept my dispute. I asked for the Citibank representatives ' names and got only one of them to provide her name. She said her name is XXXX and she was in XXXX. 
This is a discrimination against me as a person of XXXX. 

I demand that Citibank return {$74.00} to me and I demand that the Federal government fine and sanction Citibank for XXXX discrimination.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card
Complaint sub-issue: Account information incorrect

The fair credit reporting act requires all consumer reporting agencies to ensure the fairness, accuracy and privacy of all credit reports containing consumers. I have notified equifax that there consumer report of me contains fraudulent and inaccurate items.As described in the fair credit reporting act pursuant to 15 USC 1681e ( 4 ), 15 USC 1681 ( A ) 1, 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ) inaccurate items must be removed .Equifax still has not given me a list of names of all my friends, neighbors, and etc they interviewed during there investigative consumer report to determine the inaccurate items were accurate pursuant to 15 USC 1681a ( e ) .The fair credit reporting act says they have 5 days to disclose that information to me pursuant to 15 USC 1681d ( b ) .I have included another credit report of mines to show the inaccuracies Equifax consumer reporting contains.
Complaint sub-issue: Don't agree with the fees charged

I signed up for a loan forgiveness program with a company named XXXX but somehow XXXX got my information and pretended to be working along side XXXX to keep my student loans in good standing but I found out that this was not true. XXXX serviced my loans all this time for free. The company XXXX   XXXX has been taking XXXX out of my account since XX/XX/2017 and they charged a 1 time setup fee of {$490.00}. They lied the whole time and I never authorized the payments of XXXX a month. When I called to confront them they only agreed to reimburse 3 months of monthly payments even though they admitted that I did not sign a authorization. Since the committed fraud I would like all my money back. The total left is {$1200.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I sent a letter to Equifax stating that I would need verification bearing my signature in reference to XXXX XXXX XXXX who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.