Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I canceled my account with XXXXXXXX in XX/XX/XXXX( at the request of XXXX ) because I was doing long term work in XXXX, Ak. XXXX advised me that they did not service Alaska and the roaming would be too high for them so I complied and canceled my phone service ( 2 lines ). I changed cell phone companies ( at the request of XXXX ) but XXXX continued service and billing on one of the phone lines that I canceled. So, I followed up with a call to XXXX customer service in XX/XX/XXXX to ensure they cancelled both unused lines and I would not be getting billed for them. The representative at the time informed me that 1 line was still active but assured me she would cancel and take care of all lines and charges. In XX/XX/XXXX, I recieved another bill, I called and went through the same process with XXXX customer care. Again, the representative confirmed in my account notes that the lines should have been canceled. The matter was not resolved until XX/XX/XXXX when I recieved another bill for the unused second line of the account that had been closed for over a year. Again I called and spent 1 hour +23 minutes on the phone with XXXX customer service and their manager XXXX while they poured over their notes and finally apologized for the inconvienience and reversed the charges and ensured the account was closed. In XX/XX/XXXX I recieved yet another bill! This time for {$43.00} for an account set up fee. Obviously, I don't have an account so I clearly did not authorize any fees. I contacted XXXX today via live chat to contest the false charges. The online representative XXXX XXXX was unable to help me because she showed the account in fact closed but with a new set up fee. She told me to call customer service so they could help me. I have been extremely diligent in trying to resolve the inacurate billing XXXX has charged me. At this point, I feel like they are intentionally adding fees and continued unauthorized billing in a predatory manner. It is my assertion that XXXX is trying to extract money from customers who don't have to time or resources to contest false billing. Please investigate XXXX 's billing practices. Furthermore, since XX/XX/XXXX XXXX forwarded this nonsense to a collection agency. XXXX XXXX. I went through several step with them as well as the 3 collection agencies and resolved the issue with all parties except Equifax. Equifax continues to report this false charge and their customer service representatives are very difficult to communicate with. Also, 3 of the 5 times I called Equifax  through this nightmare, they couldn't help me because their system was down.
Complaint sub-issue: Account status incorrect

XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX XXXX  Date Updated : XX/XX/2019 XXXX  XXXX  Date Updated : XX/XX/2019
Complaint sub-issue: Information belongs to someone else

Please see the attached FTC Report that includes XXXX XXXX. This is in response to a previous CFPB complaint. Please remove the XXXX Account. It has already been removed from XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted this company via mailing letters on XX/XX/2020 and XX/XX/2020. I have not received ANY correspondence from this company. I have contacted the client and they could not locate as well but it still reporting on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

Amerifinancial solutions have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed, false reporting collecting on behalf of another collection company and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Amerifinancial solutions. Amerifinancial solutions does not have a certificate of Authority to do business in Alabama. Amerifinancial solutions have not sent me a dunning letter but they have put a fraudulent account on my credit report.Amerifinancial solutions do not have the authority to collect any money from me.Amerifinancial solutions is guilty of racketeering, forgery, and obstruction of justice.Amerifinancial solutions is in violation of the FDCPA and FCRA Violation of XXXX XXXX XXXX ( XXXX ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations
Complaint sub-issue: Old information reappears or never goes away

I recently ( XX/XX/XXXX ) had two positive changes to my XXXX acct ; 1 ) XXXX increased my credit limit by {$6200.00} -- improving my utilization ratio 2 ) FULLY paid bal on XXXX to {$0.00} bal. These changes were noted on my Equifax report ( via XXXX XXXX XXXX on XX/XX/2019 It would seem that these positive changes would have potentially increased my score. However, the reported changes caused my Equifax score to go DOWN 11 pts to XXXX ( as the new score )! On the other hand, my XXXX XXXX score INCREASED 6 pts to XXXX ( after the same changes were applied ). I called XXXX XXXX and they told me I had to contact Equifax, as the score is determined by the credit reporting company. Due to systemic technical issues, I was unable to submit a written investigation request directly to Equifax. I then called Equifax and was informed that they " understand my concern '' but, I will need to contact XXXX XXXX!! I have submitted two written requests to XXXX XXXX to investigate and correct. On XX/XX/XXXX, I finally got a written response to one request in which XXXX states again that they " understand my concern '' and list the factors contributing to the new lower score, all of which I am aware of, BUT DON'T APPLY IN MY CASE, NAMELY : 1 ) My utilization did NOT increase ( it actually improved! ) 2 ) I have 100 % timely payment history on ALL  accounts 3 ) NO derogatory mark has been added to my report 4 ) No old account was closed 5 ) No new account opened that has not already been accounted for. 

I am requesting that Equifax review the score and adjust accordingly. I can not understand how two positive changes, could bring my Equifax score DOWN 11 pts, to XXXX ; while those same two changes INCREASED my XXXX XXXX report by 6 pts to XXXX. 

PLEASE help me correct this as I am getting the runaround by both the credit agency and XXXX XXXX. I have been diligent in monitoring my reports, and have worked very hard to come from Bankruptcy to this point in my credit history! Thank you so much for your help. XXXX
Complaint sub-issue: Was not notified of investigation status or results

I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed
Complaint sub-issue: Problem with product or service terms changing

My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by Equifax, and Also I had insurance I was getting it the trusted ID premier by Equifax I reported with the Equifax inc assurant and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that Equifax request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please
Complaint sub-issue: Overdrafts and overdraft fees

Over the last XXXX  years, I have experienced an extremely large amount of funds being debited to my account as " over draft fees ''. When going over statements, it is clear that the overdraft fees were most often taken prior to the actual transaction was to post and clear. 
This activity has been going on for years. I have complained to the bank on numerous occasions with the results continuing even thru this last week where XXXX charges totaling {$170.00} were withdrawn from my account. 
It is my belief that US Bank uses this form of theft in their normal business practices and would like to see it stopped.
Complaint sub-issue: Account information incorrect

I am inquiring about XXXX  XXXX XXXX [ account number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Complaint sub-issue: Company closed your account

Citibank failed to honor my payment order and remittance transfer for the payment of this debt. Citi failed to credit my account and closed my account which is a violation of Truth and Lending.
Complaint sub-issue: Other problem getting your report or credit score

SageStream , LLC  XX/XX/2019 Received letter from XXXX XXXX XXXX ( recently moved so set up service ) SageStream gave XXXX XXXX XXXX credit score of XXXX ( just bought a house and credit score was XXXX, so way off ) XXXX XXXX XXXX directs me to SageStream. Call SageStream and you have to leave message - no reps available which is odd. Or you can fax/email all of your personal information ( driver license, social security number, address, etc ) which is not a secure method to send this type info when you can't get a hold of anyone at the company. 

I've read similar reviews about this company ( SageStream ) providing very low credit scores - probably because they get kickback and then XXXX XXXX XXXX can charge {$190.00} credit management fee which is absurd when you have great credit. I will disputing this with both SageStream and XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

my credit was pull from this company I don't recall and don't recognize the name of the company is Equifax Mortgage Services XXXX XXXX, NJXXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$0.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list account below has Violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XX/XX/XXXX # 2- XX/XX/XXXXXX/XX/XXXX, # 3-XX/XX/XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX  XX/XX/XXXX # 5- XXXX XXXXXX/XX/XXXX, # 6- XXXX XXXXXX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX XX/XX/XXXX # 9- XXXX XXXX XX/XX/XXXX, # 10-XXXX XXXX XX/XX/XXXX# 11-XXXX XXXX XX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional offer from CitiAAdvantage that if I opened an account and charged {$3000.00} within the first 3 months I would receive XXXX award miles to my XXXX XXXX AAdvantage account. 

I charged the required {$3000.00} within the 90 day period, but never received the bonus miles. When I called the company to inquire when my Bonus miles would be credited, I was told I was ineligible to receive the XXXX bonus miles because I had a prior account, which was closed, within 24 months of opening this account. The company refused over the phone and sent a follow up notice stating they would not award the miles due to the previous ( long closed ) account. 

If I was ineligible for the bonus miles, the company should have advised me of that fact. Instead, they conducted a bait and switch by opening the account that I thought would earn XXXX bonus miles, only to tell me after I charged the required amount I was ineligible. This is patently false advertising.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of Education/ Nelnet on my credit profile that need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send XXXX letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from XXXX  and when I finally do bad customer services and they end up hanging my call this has happen many time.
Complaint sub-issue: Frequent or repeated calls

I have already made payment arrangements, i still got calls from XXXX different agent telling that i only need to talk to them when i call back to make payment. They have call me and text me before XXXX. Everyday after making my arrangements
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I went to check on my TCF savings account and found that my online login no longer worked. I called customer support and they have no record of my account. 

I went to the branch, who also had no record of the account associated to my name. After finding the account number from an old paper statement, the branch was able to locate the account as 'closed '. The documentation ( attached ) showed it was moved to a dormant account status in XX/XX/XXXX and then drained month after month until the balance reached XXXX. This was handed over only after the 3rd trip to the branch and 3 phone calls.

All of these was done without any notification ( email, mail, or phone ). TCF claims their policy is to call multiple times and send notifications through the mail. None of this occurred. I have requested copies of these notifications and have not received anything after 1 month. I was coerced into getting paperless statements and the last statement I had received was prior to any account deductions. 

The account had {$120.00} and I am seeking to get those funds returned to me. A banking institution can not be allowed to silently and secretly steal money from its clients. The bank seemingly hid statements and communications while they siphoned money from the account.
Complaint sub-issue: Account information incorrect

XXXX XXXX in Maryland is the bank financing my car loan. The pandemic had just hit the USA and every place was closed. I paid my car note through my bank. One day my bank sent the car note to the wrong address and they penalized me for it. I called XXXX and talked to them but the lady I talked to was very rude. The thing that bothers me the most they did not give me options on how to pay the car note. My credit score moved from the 800 + to 700 's.
Complaint sub-issue: Reporting company used your report improperly

Company withheld knowledge of data breach from customers for 2 months drastically increasing the damage potential to XXXX citizens. Credit company improperly safeguarded and released my personal, financial, and employment data without consent.
Complaint sub-issue: Was not notified of investigation status or results

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX the others on XX/XX/XXXX and XXXX still as of today over 90 days later there has been no progress. There are still inaccurate items showing negatively on my report. As mentioned previously to each company I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section XXXX.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.
Complaint sub-issue: Information is not mine

This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : XXXX XXXX and Equifax In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage XXXX XXXX dropped my score XXXX XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



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

On or around XXXX XXXX XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX XXXX XXXXas final on XXXX XXXX XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 XXXX. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX