Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

Call Equifax to check my credit score because purchasing a home, spoke with rep XXXX, badge # is XXXX in XXXX, he would provide me with any information regarding my XXXX report because, I explain to him I did XXXX XXXX with XXXX XXXX XXXX, Equifax XXXX, and Transition XXXX. Seem to me every time I call and get a foreign customer service rep, my score is dropped XXXX point. I believe it 's because of my ethic background or where I am located. I am also a paying member of Equifax XXXX, they are not fairly scoring me properly. I have not late pays, nothing derogatory, XXXX mortgage inquires less than 30 days ( thru Creco ) a third party vendor. I feel that I am being discriminate against. When XXXX was not help, he end the call and did not hang up so I could complete the survey. He came back to the line twice, each time I advised him to hang up so I could take the survey. XXXX the transfer me back in queue. Look forward to hearing from you Thank you
Complaint sub-issue: Information belongs to someone else

While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}
Complaint sub-issue: Debt was result of identity theft

I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize
Complaint sub-issue: Was not notified of investigation status or results

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry XXXX XXXX XXXX : XXXX
Complaint sub-issue: Trouble with how payments are being handled

During the spring of XX/XX/XXXXI developed medical issues that were later diagnosed as a rare form of XXXX XXXX XXXX. As such, my medical expenses for the diagnosis and treatment of the disease exceeded my available resources to pay for both healthcare and my student loans. I fell behind on payments and ultimately into a default status on the loans. When I had recovered sufficiently, medically and financially, I refinanced my house to pay off the student loans. Payment in full for {$77000.00} was sent to Fedloan Servicing in XX/XX/XXXX and received by them on XX/XX/XXXX at XXXX XXXX ( USPS tracking # XXXX ). Fedloan servicing also transferred my account to the department of education default group on XX/XX/XXXX. Subsequent phone calls to Fedloan servicing were not fruitful in that they stated they had not received any payments on my account. A conference call was setup, XX/XX/XXXX, with a representative from my bank to provide information about the check that was issued and when it had cleared my account. During the call the representative from Fedloan servicing initially denied receiving the funds but later agreed they had received the payment and it was being held in suspense. She stated the funds would be transferred to the Dept of Ed on XX/XX/XXXX to clear my account. In XX/XX/XXXX I again contacted Fedloan servicing and was told the funds had not been transferred. XXXX, a supervisor with Fedloan servicing stated she could see the funds in their suspense system and that the account was marked as " do not forward or apply ''. She was unsure of why it was annotated in that manner but said they would send payment back to my bank. I asked for confirmation to be sent to me when this happened and she stated she would request that. Subsequent phone conversations have not resulted in the funds being released or any indication of when or if they would release the {$77000.00} that they agree they have no right to keep. It has been over 90 days since they received the funds and my account remains in a default status and is being erroneously reported as such on my credit. Recordings of the conversations with Fedloan servicing are available upon request. Their lack of releasing the funds in a timely manner is resulting in an additional cost to me of over {$7000.00} above my agreement with the department of education to clear the debt.
Complaint sub-issue: Account information incorrect

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

XXXX bill for XXXX This is a medical claim that I have submitted a affadavit to the fact I never received treatment from this doctor and requested documented paperwork showing that it was me, furthermore it was a case of fraud someone using my identity on a 5 year dr bill
Complaint sub-issue: Debt was result of identity theft

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue
Complaint sub-issue: Account information incorrect

To Whom It May Concern:
I received a copy of my credit report and found the following item(s) to be in error:
1. The wrong amount is being reported
XXXX
Account Number: XXXX
This is not mine.
2. This an incorrect account number XXXX XXXX XXXX
Account Number: XXXX
Please remove this inaccurate information from my credit report.
3. This an incorrect account number
XXXX XXXX  Account Number: XXXX  Please remove this inaccurate information from my credit report.
4. This an incorrect account number XXXX XXXX  Account Number: XXXX
Please investigate and delete from my credit report.
5. This an incorrect account number
XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX
Please ensure that all information is accurate
6. This is a duplicate account
XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
7. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
8. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
9. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
10. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX
Please remove it from my credit report.
11. This is an incorrect account number
XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem

Due to Covid-19 my, son 's wedding ceremony in XXXX XXXX was cancelled. My wife and I cancelled our flights on XXXX XXXX XXXX and received partial refunds of {$6700.00} each for a total of {$13000.00}. 

These refunds were paid to our Citi AAdvantage Master Card on XX/XX/2020. A copy of that statement is attached. 

I had one other, unrelated charge on this account in the month of XXXX, in the amount of {$120.00}. So a credit of {$13000.00} appeared on my XXXX billing statement, which was due XX/XX/2020. 

On XX/XX/2020, I contacted the Citi customer service line for the account to request that a check for the credit balance be sent to me. The representative said that was not possible, but that they would credit the amount to the bank account which I use pay my card balance. Since it was a large amount, there may be an extra delay for management approval, but that I should see the credit within some 5 business days. I agreed to this arrangement. 

On or about XX/XX/2020, having not received the credit to my bank account, I once again contacted the same Citi customer service line. The representative confirmed that the refund was in process, but needed management approval. I asked to speak to a supervisor and was told that was not possible. 

today is XX/XX/2020 -- 37 days since Citi received my money and they continue to hold it with no recourse available to me.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

I notice multiple accounts reporting on my credit profile that I never opened nor authorized
Complaint sub-issue: Funds not received from closed account

EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?
Complaint sub-issue: Information belongs to someone else

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX and XXXX and Equifax will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a XXXX balance.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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: Public record

I disputed the following bankruptcy. I received the dispute results from equifax this morning. And according to federal law NO federal bankruptcy court reports to and credit bureau. So with their findings this information is false, due to the fact equifax can not verify with any bankruptcy court espically as listed on attached findings.
Complaint sub-issue: Debt was paid

The debt is from XXXX XXXX XXXX XX/XX/XXXX, it was originally turned over to XXXX XXXX. I asked for a total and final amount for the services rendered by XXXX XXXX so I could negotiate a settlement with XXXX. XXXX kept sending bills that no one, including an attorney I hired, could make sense of their accounting. I wanted this settled so I asked for XXXX to receive the total settlement amount from XXXX, which I then paid in full on XX/XX/XXXX. I have a letter dated XX/XX/XXXX, from XXXX XXXX which I will attach stating, " This letter will serve as confirmation the XXXX will consider the attached referenced accounts as settled in full. '' My complaint is on XX/XX/XXXX I received in the mail another random bill stating I owed {$530.00} ( - ) Credited Amount of XXXX (? ) = Total amount owed {$250.00} (? ). This current debt was during the period of XX/XX/XXXX which is exactly the time frame of the settlement I paid in full with XXXX for a final settlement. XXXX XXXX was asked by XXXX to provide the total amount prior to me settling this debt, and I have no intention of paying any more on this matter which has been settled in full.
Complaint sub-issue: Information belongs to someone else

Information was compromised by Equifax when they were struck by a cyberattack that may have affected up to 143 million customers from mid-XX/XX/XXXX through XX/XX/XXXX of 2017. I have placed a fraud alert on my account, and am debating applying for Equifax 's PremierID service. Equifax has set up a website, equifaxsecurity2017.com, to help customers identify if their account was potentially stolen.
Complaint sub-issue: Information is not mine

I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.
Complaint sub-issue: Information belongs to someone else

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Complaint sub-issue: Talked to a third-party about your debt

Starting on Friday, XX/XX/2019, this company started contacting my references that happen to also be my family members about a debt I owe them. They have contacted them everyday for the past 3 days. This company has my address and phone number since I have a loan with them - there is no need to contact my references to find out where Im at. I have emailed them more than once to ask them to stop, but they have not.
Complaint sub-issue: Problem during payment process

I have received a Bill to pay my Goodyear credit card. I can not activate my online account to make a payment or reach anyone to help as the online error suggests I do. I have called 8 times and spent a grand total of 2 hours and 40 min listing to please hold for the next representative. My payment is due in 4 days and I have no way to pay it. This is BAD customer service. the worst I have ever dealt with.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) and FCRA 15 USC 1681 ( a ) ( 4 ). Truth and lending act and the latter is right to privacy. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Problem lowering your monthly payments

I have a student loan with Nelnet that I started paying in 2012. At that time, the monthly payment was {$220.00} per month for more than three years. Then, without any notification this increase to {$330.00} per month. Now Nelnet increased to {$370.00} a month. This is a high amount that I have had difficulty paying. I contacted Nelnet and they did not give me any convenient option to make my payments in an affordable way. In addition, they informed me that the loan will be paid in full within ten years from now and this was the same information I was given when I started making my payments in 2012. The total of my debt is {$25000.00} and in ten years I'll end up paying about {$45000.00}. Nelnet must provide accurate information about the payment plans and respect the established conditions.
Complaint sub-issue: Reporting company used your report improperly

Creditor : XXXXXXXX XXXXK XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.