Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting my free annual report

I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified ITEMS listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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

XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= XXXX ) Account Status= Negative the account was closed and paid in full with no late payments XXXX  XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX  Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX  Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi checking and savings account on XX/XX/2019, using the promotion hat is currently acive here : https : //banking.citi.com/cbol/checking-tiered-offer/default.htm I applied for the {$400.00} bonus for depositing {$15000.00} or more, plus a now-inactive bonus for an extra {$100.00} for making two deposits. I deposited a total of {$1000.00} into the checking account on XX/XX/2019 and {$15000.00} on XX/XX/2019, and moved {$15000.00} to the savings account on XX/XX/2019. I waited the 60 day period for maintaining the balance. Then I waited the 90-day period for the amount to be credited. When this amount was not credited after the 90-day period, I called several times to ask for an explanation. 

On one occasion, I was told that I had fulfilled the requirements and that the full amount of {$500.00} would be showing up in my account within the next week ( roughly around the first week of XXXX ). I called again in the third week of XXXX and was told that I needed to verify the code for this promotion, which I never received and they had no way of telling me how to find. I provided the link to the currently active promotion but was told that would not work.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 Good will interventions. 

Account is not mine. 

{$6000.00} Monthly payment. 

{$7800.00} balance
Complaint sub-issue: Debt is not yours

I have a XXXX account. I been constantly fighting this account and stating this is not my account. The month they say is late i have proof i was with XXXX so this should not be showing up on my credit at all. Im XXXX and this has been a ongoing thing and Ive been working on my credit day in and day out. This really saddens me to know as I am fighting this war this is a another issue I am having to fight. I just would like this remove so i can continue my credit journey and growth.
Complaint sub-issue: Debt is not yours

This debt was settled and closed. It appears that its been resold to ERC to again illegally collect on a zombie debt. I did contact ERC about this issue with no response. Instead it was reported to both  XXXX   XXXX   &   XXXX  as a derogatory mark on my  credit score .
Complaint sub-issue: Attempted to collect wrong amount

I was incorrectly charged for an amount owed and never received documentation from company before collections. Company never notified me of debt owed as promised.
Complaint sub-issue: Account status incorrect

HAVE BEEN TRYING TO RESOLVE THIS CREDIT REPORTING INACCURATE INFORMATION WITH RISE CREDIT FOR A FEW WEEKS NOW. RISE REPORT MY PAID IN FULL ACCOUNT AS 30DAYS DELIQUENT. I DID CONTACT RISE AND T.HEY HAD A REP NAME XXXX WORKING ON MY ACCOUNT TO ENSURE THE INACCURATE CREDIT INFORMATION WAS CORRECTED TO REFLECT THE ACCOUNT PAID IN FULL ACTUALLY THE ACCOUNT WAS PAID COMPLETELY. HOWEVER IT HAS BEEN A BACK IN FORTH ISSUE WITH RISE THE INACCURATE REPORTING TO CREDIT BUREAU CAUSED MY SCORE TO DROP 30 POINTS WITH ONE AGENCY AND XXXX POINTS WITH ANOTHER. WELL TODAY XX/XX/XXXX RISE REPORTED TO THE CREDIT BUREAU THE ACCOUNT CLOSED THEY DID NOT REPORT THE ACCOUNT WAS PAID IN FULL BY ME. IT APPEARS LIKE RISE CLOSED THE ACCOUNT AND THAT IS TOTALLY NOT TRUE. I MADE EVERY PAYMENT WITH RISE ON TIME AND ALL PAYMENTS WERE MADE. I PAID THE ACCOUNT OFF AND THAT INFORMATION SHOULD BE STATED ON MY CREDIT REPORT ACCOUNT PAID IN FULL. THIS IS BEEN A CHALLENGING ISSUE TO GET RESOLVED
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is a formal complaint that Equifax is reporting inaccurate credit information on my credit profile after I have submitted numerous disputes via mail, phone and online and provided documentation proving the information is inaccurate. I am very distressed that Equifax has continued to include inaccurate information regarding XXXX XXXX on my credit profile due to its damaging effects on my good credit standing. I am sure they are doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle when applying for a home loan.XXXX  XXXX XXXX is Auto Loan opened in XX/XX/XXXX the car was deemed a total loss and covered by GAP insurance. You are reporting on a payment on XX/XX/XXXX and also on XX/XX/XXXX the account was charged off which is incorrect. The account was charged off on XX/XX/XXXX. There has never been a payment made on this account since XX/XX/XXXX. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed or updated correctly ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Account Number : XXXX Also they are continuing to report an account from XXXX XXXX XXXX that the creditor deleted and reported to Equifax on XX/XX/XXXX. The online dispute service they provide on-line rarely works.
Complaint sub-issue: Information is not mine

I disputed inquires that was not made by me however i have not heard back from them.
Complaint sub-issue: Received bad information about your loan

Previous CFPB complaint 's addressed response is incomplete and inaccurate. PHEAA is demanded to remove delinquency statuses beginning on the date the payment is scheduled. On XX/XX/2022, a payment will be made over the phone with a valid XXXX XXXX. I will be contacting a representative from my financial institution and the CFPB to witness that a payment will be processed on this date. Once PHEAA reports that the account becomes 60 days past due despite the payment being accounted for ON XX/XX/2022, PHEAA will be engaging in fraud and misreporting to the Credit Bureaus. Furthermore, if this occurs, I will be alerting the CFPB, the FTC, all Major Credit Bureaus, the XXXX XXXX XXXX XXXX  office, and a few attorneys with screenshots of the bank account proving the payment was processed on XX/XX/2022, yet PHEAA would maintain reporting the account as delinquent past 60 days despite their inability to reflect the status appropriately.
Complaint sub-issue: Information belongs to someone else

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended XXXX for 2 years. They had referred me to XXXX XXXX XXXX for my student loans. I am at {$28000.00} in debt since XX/XX/XXXX. I am in deferment until XX/XX/XXXX. Interest is accruing at $ 700+ a month. HOW THE XXXX CAN I EVER PAY THAT BACK!? I could go and get a XXXX degree for XXXX XXXX and XXXX XXXX for less than {$6000.00}. I was absolutely taken advantage of under their predatory loans.. What can I do about it now? Kiss my chances at ever being financed for a home or car goodbye the rest of my life?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX XXXX  XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My statement that was closed on XX/XX/2022 had a balance of - {$400.00} which I requested to be transferred to my bank account. The credit came back to my account and my balance was {$0.00}. 

But, Citi charged me {$400.00} again on my account on statement that closed on XX/XX/2022. This negated my {$400.00} that was supposed to be sent back to my account. 

I have called Citi 5+ times and talk to manager and explained this situation and they have agreed every time that Citi is incorrect and they owe me {$400.00} and they always escalate this and open a case to request my money back to my card. Every time I was told to wait 5-7 business days and {$400.00} would be deposited to my account but not a single time there words were true. All calls were recorded so I request that they provide the call logs and all details that were discussed on the calls. 

I would like Citi to pay me my money back as soon as possible! 

I am tired of going back and forth with them. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I signed a agreement to with draw funds from my account on the XXXX of the month and the last business day of the month everything was going just fine till XX/XX/XXXX where they started pulling money early. They said they escalate it to get fixed then today XX/XX/XXXX they did it again. Called them and they said there system does not know what the last day of the month is. So it just pulls some time between the XXXX and XXXX thats not what i autherized. they never warned me of this or advised me they were pulling money early they just did it
Complaint sub-issue: Old information reappears or never goes away

Many years ago I paid a collection with XXXX XXXX and was advised that the tradeline would be removed from my reports. It was removed from XXXX and XXXX, but remains on Equifax. I recently contacted XXXX XXXX and spoke with XXXX. She advised me that they had requested for the collection to be removed years ago and no longer had any record of it. She suggested that I contact Equifax, which I have done multiple times.
Complaint sub-issue: Information belongs to someone else

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax has not completed their investigation and I have not received the results 1. The following account is not mine XXXX XXXX   XXXX Please remove it from my credit report. Reported in XX/XX/2020 2. The following account is not mine USBK COURT Reported in XX/XX/2020 Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4.The following account is not mine XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5.The following account has never been late XXXX   XXXX XX/XX/2020 reported Please remove late history from my credit report XX/XX/2020 6.The following account is not mine reported XX/XX/2020 XXXX XXXXXXXX XXXX  XXXX please remove it from my credit report. 
7. The following account is not mine XXXX XXXX XXXXThe following account is not mine.Please remove it from my credit report. Reported XX/XX/2020 8. The following account is not mine Reported XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 Please remove it from my credit report. 
9. The following account is not mine reported XX/XX/2020 XXXX XXXX XXXX XXXX Please remove it from my credit report.
Complaint sub-issue: Account status incorrect

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXXXXXX have violated many laws. 
Section 605, Section 605A, Section 605B.
Complaint sub-issue: Problem getting my free annual report

I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.
Complaint sub-issue: Information belongs to someone else

I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on XXXX 2. XXXX XXXX  on XXXX and Equifax 3. XXXX XXXX on Equifax 4. XXXX XXXX XXXX on Equifax
Complaint sub-issue: Information belongs to someone else

I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 i submitted a complaint with the CFPB against Equifax XXXX XXXX XXXX about fraudulent accounts reporting on my credit report due to identity theft i submitted identity theft affidavit thru the Federal Trade Commission and all supported documents to prove my identity and they sent me a later stating i need to provide the same documents to prove my identity in which they already have and was received on XX/XX/2022 thru the CFPB. This violates my consumer rights based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft no later than 4 business days after the date of receipt. Equifax failed to do so and is in violation under the law. The accounts listed in attached documents should not be furnished on my report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written INSTRUCTION of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. AS A CONSUMER I AM DEMANDING DELETION OF ACCOUNTS AND ALL NEGATIVE REPORTING ACCOUNTS/ INQUIRIES LISTED IMMEDIATELY!!!!! 
Written Truthfully Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such XXXX loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.