Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX, XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX, XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold XXXX XXXX, XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX, XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Complaint sub-issue: Information is missing that should be on the report

Every year I have problems getting my credit report from Equifax. I just received my most recent report after considerable effort following a complaint through the annual credit report website. Upon reviewing the report, I noted that the new report does not indicate the existence of my credit freeze or promotion block which were conspicuously set forth on last year 's report and are always on the face of all my credit reports. I have attempted to resolve this and confirm my credit freeze and promotion block by contacting Equifax only to run into the same roadblocks that I encounter every time I have to deal with them. 

I need a credit report that indicates the existence of my credit freeze and promotion blocks to assure me that it hasn't been removed without my permission. I do not trust Equifax to recognize my credit freeze if it is not confirmed on my report. I have had my personal and credit information compromised by their incompetence in the past.
Complaint sub-issue: Account information incorrect

I would like to file a complaint against XXXX and XXXX XXXX XXXX and Equifax. XXXX and XXXX XXXX XXXX have erroneously reported a balance and past due amount on my credit report since XX/XX/XXXX. Furthermore when I filed a dispute with Equifax and provided proof of statements of charges, payments, and balances on XX/XX/XXXX, all Equifax did was allow XXXX and XXXX XXXX XXXX to claim that the information they reported to the credit bureau was correct and to re-post it onto my credit report again the very same day XX/XX/XXXX. In XX/XX/XXXX, I also wrote XXXX, called XXXX and spoke with a representative, and wrote XXXX XXXX XXXX which is a company that refuses to respond ( see for example https : //www.change.org/p/ny-state-attorney-general-letitia-james-stop-royal-property-management-from-stealing-security-deposits ). 

ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00}
Complaint sub-issue: Personal information incorrect

Yesterday, I received in the U.S. mail my " Free '' annual credit report from " Equifax '' dated " XX/XX/2018. '' On " Page 12 of 54 '' under the " Previous Addresses '' section, it STILL lists that I once lived at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, MN ; XXXX ; Reported XX/XX/2018. '' I have NEVER lived in Minnesota. 
" Equifax '' has STILL refused to take this false " Identity Theft '' Minnesota OFF of my " Equifax '' credit file that I first noticed and first also reported it to " Equifax '' about 4 years ago!!! 

" XXXX '' and " XXXX '' has NEVER listed this " Identity Theft '' Minnesota address on my credit files with those 2 GREAT credit reporting agencies. 

Which tells me that " Equifax '' must have a dirty employee at their company who is on the payroll of this Minnesota " Identity Theft '' crime ring. 
This is my 8th time in 4 years of complaining about this " Equifax '' mistake!!! And each time " Equifax '' takes OFF this false Minnesota Identity Theft address after I complain about it to the U.S. CFPB. But a few months later, " Equifax '' places this false Minnesota Identity Theft address BACK ONTO my " Equifax '' credit report until I catch THEIR mistake AGAIN usually in the FALL when I request for my " Free '' credit reports!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CRA is erroneously reporting negative items on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of  their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled up my credit report and saw a credit inquiry on my Equifax, I never did business or have credit with the company on the inquiry. This is the following inquiry : XXXX
Complaint sub-issue: Debt was paid

This debt is over seven years old and has been paid. I tried to contact the company to report that this has been paid.
Complaint sub-issue: Banking errors

I opened a savings account at Citibank because they were offering XXXX XXXX miles for opening a new account. I deposited {$50000.00} on XXXX XXXX. It is now XX/XX/2021 and I still have not received the miles that were due to be credited to my AA account in XXXX. I have called and messaged them repeatedly. In XXXX when I spoke with them they were going to open a dispute. Last month they were working on it and needed me to resend my frequent flyer number and yesterday when I called again they are opening a new dispute?? This is ridiculous.
Complaint sub-issue: Information belongs to someone else

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have sent several letters to Equifax along with proof to validate my claims. I have also written to you several times about Equifax reporting practices. I have now on the most recent file they sent me a incorrect address, Public Record, and two items from a collection agency. I have sent letters proof and made phone call to them on XX/XX/2018 and they have failed to correct the errors. On XX/XX/2018 my report listed six collection agencies with no Name of the original creditor and several of them with a XXXX  amount. I sent in a copy of the letter where from the state where the account was paid in full to the original creditor. I asked them to send me who, what, proof of how they verified the Public Record. This Florida address is new because that was not on the report they sent two weeks prior. Enclosed is another letter I sent them.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE HELP! 

I send a certified letter to LexisNexis on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to LexisNexis stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that LexixNexis was indeed where they received the information from that I never gave LexisNexis any written consent. It has been 30 days and I still have not received any type of documentation from LexixNexis. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from XXXX that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can XXXX update a dispute and LexisNexis still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called XXXX and asked what was they provided from LexixNexis. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and Lexis Nexis. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. LexisNexis is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to LexixNexis to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer LexisNexis has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because LexixNexis continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
Complaint sub-issue: Problem accessing account

I have been locked out of my Citibank account for days. I can't log in with my user name and password, although I've logged in before and I'm sure the user name and password are correct. Then it asks me for my debit card number and mother 's maiden name, which I'm sure I entered correctly, and it still won't let me log in. I phoned Citibank two days ago ( Thu XX/XX/2019 ) and the customer service rep said that there was no problem with my account and no block on it. But I still can't log in and today received an email that my account access had been blocked. I suspect they're getting revenge because I filed a separate complaint recently. I tried the online chat with Citibank, but it won't let me chat unless I'm logged in and I can't log in.
Complaint sub-issue: Account status incorrect

I have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.
Complaint sub-issue: Information belongs to someone else

THE credit reporting agencies XXXX and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX  or XXXX ... .it was reported as a closed account only on EQUIFAX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed XXXX   XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now
Complaint sub-issue: Sued you without properly notifying you of lawsuit

In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " XXXX XXXX XXXX XXXX collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your XXXX XXXX XXXX to try to settle this collections account several times. 

On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from XXXX XXXX XXXX, because I was traveling to support family members with XXXX XXXX. 

On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( XXXX XXXX XXXX XXXX  entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. 

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from XXXX XXXX XXXX. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. 

I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. XXXX XXXX XXXX  has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because XXXXXXXX XXXX XXXX is abusing the Arizona Courts to harass and intimidate me. 

Regards, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

As of XX/XX/2020, the Credit Report still reflects inaccuracies in terms of account status. I have tried rectifying this with AES and XXXX, and I have yet to see any changes. 

Because AES has failed to act on these reports, the beginning stages of a Civil Suit have begun on my part. Unless you respond to this complaint within no less than 72 hours with an actionable response to correct the information on the Credit Report, further motions to sue PHEAA/AES will commence.
Complaint sub-issue: Account status incorrect

Approximately XXXX of 2019 I requested that XXXX XXXX XXXX would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because XXXX autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXX  XXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. 

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXXXXXX XXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX XXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. 

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX XXXXXXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.
Complaint sub-issue: Account information incorrect

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Complaint sub-issue: Account terms

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

The unverified accounts indicated below continue to report on my credit report despite several written requests, which is against federal law. The last letter I sent to the three credit bureaus included the words last XX/XX/2022 in it, but no response was received. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), these accounts must be verified ( 1 ). ( A ). If you fail to verify these accounts, I will file a lawsuit against you. In order to quickly settle this issue, kindly follow the legislation. I need you to correct the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Can't get other flexible options for repaying your loan

I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!