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

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$54.00} XXXX  XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Complaint sub-issue: Account status incorrect

XXXX defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XXXX XXXX, XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX, XXXX see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XXXX XXXX, XXXX XXXX PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.
Complaint sub-issue: Public record information inaccurate

in accurate information I'm a victim of id theft
Complaint sub-issue: Account status

I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Equifax report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX XXXX XXXX, XXXX 's remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX XXXX XXXX, XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Equifax online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX XXXX XXXX, XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX XXXX XXXX, XXXX ( i.e. XXXX ). 

Please pay close attention to the dates. XXXX XXXX XXXX, XXXX opened the inaccurate account one and a half months after the discharge.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : XXXX
Complaint sub-issue: Problem with personal statement of dispute

This complaint is regarding a collection account i have on my credit report from collection agency XXXX XXXX, XXXX of {$750.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without any hard evidence going all the way back to the ORIGINAL creditor. The verification was from a third-party database. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 


This has impacted my life in such a negative way, not being able to qualify for credit or buying a home.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/18 I was informed that someone went to my home to serve me court papers. I searched the XXXX XXXX courts online and found a case filed by XXXX XXXX XXXX and the amount I allegedly owe is between $ XXXX {$5000.00}. 
I have never heard of this company and I have never been contacted by them via phone or mail. I am completely unaware of a debt to them and I am concerned that there isnt even an amount specified. Is this legal? I have had no opportunity to request validation of the debt nor to dispute it and no papers were served to me as I am travelling for the holiday.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent them a debt validation letter in which they have not responded. They are continuously reporting this account in my credit files without proper debt validation. They have also not provided any original debt with my signature.
Complaint sub-issue: Problem getting my free annual report

Both Equifax and XXXX may be using unfair and inappropriate questions in their online screening and verification questionnaires prior to sending an online free credit report. Their motive may be to sell an online service providing that report, since many people like me do not trust the security the postal mail for sending and receiving a ready-made identify theft packet of information. Specifically, both Equifax and XXXX have asked me, when applying for an online report, whether I have a retail credit card for which the provider is XXXX XXXX. The tricky part for holders of XXXX XXXX is that originally the provider was XXXX XXXX, but that changed some years ago to XXXX XXXX XXXX. There are XXXX issues here. First, are XXXX or XXXX of these credit bureaus using XXXX XXXX as the correct answer, which was true at one time but has not been for a long time? Second, how can the consumer be expected to know the correct answer to such an arcane question anyway? For years I had mostly no problems getting an online report, but that has changed, despite no change of address or anything else relevant on my part. Given these perhaps inappropriate screening questions, and perhaps other such questions, my real options are to pay for an online report or get a free postal mail report, neither of which is a very good option, and the credit bureaus gain revenue from my dilemma, whether their questionnaires are clumsy and inappropriate by design or by accident.
Complaint sub-issue: Information belongs to someone else

Equifax may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  Equifax was founded in XXXX, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Complaint sub-issue: Their investigation did not fix an error on your report

After multiple attempts through the credit bureaus ( XXXX  and XXXX  ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX  and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
Complaint sub-issue: Received bad information about my loan

ECMC fails to answer specific questions to my complaint and I am not sure why they will not answer the question. It appears that for a company who wants to be transparent they continually dodge the specific question. Please answer the following questions below : " The promissory note states that I " must '' provide two separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? ''
Complaint sub-issue: Information is incorrect

Account Name XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt.

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Complaint sub-issue: Debt is not yours

I contacted this company a while back and told them that I did not know anything about this account. I was told that they would investigate this matter and get back with me. I was informed about anything that resulted from the supposed to been investigation. Recently, I received a bill from this company which is a collection company. I expect XXXX to do what they are supposed to do. There is no reason I should be getting a collection notice from a third party when XXXX has not contacted me.
Complaint sub-issue: Trouble getting information about the card

I called XXXX XXXX XXXX ( XXXX   ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX of this year, I opened my checking account on Citi online, before that I called the bank to ask if I could have one since I live in Texas and there are no branches here they said yes so I did. 
I then recieved my debit card on XX/XX/XXXX and I transfer funds from my other bank to here. I Just transferred {$800.00} dollars. 
The main reason I opened the account is because I also bank in XXXX  which is a bank from the same company of city but in XXXX  which Ive had no issues at all And I wanted to be able to transfer funds from these 2 accounts if needed, because Citi states that you can do that between 2 Citi banks even if theyre from another country So I sent {$100.00} to see if I would get the money the same day, so I did And I then sent the remaining {$700.00} and my account was blocked and it said error MFA and to call the bank I called the bank on XX/XX/XXXX and they told me they couldnt verify my account even tho I have the number and email I use to open the account So they said the would sent a letter to my house to verify my identity in 7 days, and I never did, I had called the bank and they keep hanging up on me, they tell me theres nothing they could do And I cant log in, transfer anything, use my card So they have my money and I cant use it and Theres no one I can talk to
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax. Two months ago I filed online disputes with all three credit agencies because my student debt had been forgiven by the department of education two years ago, but was still on my credit report, seriously affecting my credit score. Call the Department of Education who said theyd notify all three bureaus.Ive been trying to buy a car and have to finance some of it. Finally found a vehicle and queried my credit scores. Score was fair with all three bureaus due to Equifax showing the debt still active. Their automated system said they had no dispute for me. Credit simulator said that if that debt was not still listed on my report my score would go up 30 pts to good, which has a significant impact on my ability to get a loan at a good interest rate. I could not access my account on Equifax, said forgot password, response was there was no account set up. Tried to set up an account two times, response was an account with my email address already existed. Finally tried to call them and was on hold for 58 minutes until I hung up, two minutes before they were set to close. Theres no way you can contact them by email unless you can access your account. When I called back today I was given the option of having my call returned. I was Told that I had login issues because I wasnt using XXXXXXXX XXXX and that my VPN was enabled. Suggested that if those were the requirements, they should be noted on the login page. Filed my dispute online and was told it could take up to 30 days for them to investigate it, then they would mail a letter to me about it. Its 2022 and theyre communicating critically important information to me by XXXX. Really? Until then, the debt remains on my credit report from Equifax and my score is low. Was told I could not expedite the dispute for any reason. 

Need to take delivery of a car today, but financing is based on my score of fair, which is totally related to Equifax. I will be forced to Take out a loan at a higher interest-rate. It shouldnt be this hard to get login help, Browser and VPN information should be on the login page, and I dont understand why they didnt process the loan forgiveness information from the department of education two months ago. I am extremely upset.
Complaint sub-issue: Information belongs to someone else

address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

not mine
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX Loan # XXXX this account is not mine, and XXXX verifies with XXXX with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Complaint sub-issue: Account status incorrect

This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX  report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.
Complaint sub-issue: Information belongs to someone else

While i was looking at my credit report i noticed someone tried to take a loan oout using my information this was not me nor did i have any knowledge of it. I didnt give anyone my information so i dont know who did this or how this happened.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submit a request asking Equifax to remove a bankruptcy that was inaccurately being reported. On XX/XX/XXXX they stated they validated the bankruptcy with the company XXXX XXXX. That information is false XXXX XXXX, as of XX/XX/XXXX, has removed the bankruptcy from their database because they couldnt verify it. The bankruptcy is not mine.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!
Complaint sub-issue: Problem during payment process

I have XXXX promotional offers 0 % interest with my Citi Best buy card. 
One that is set to expire on XX/XX/XXXX and one that is set to expire XX/XX/XXXX. 
On the promotional offer that expires in XX/XX/XXXX that had a balance left of {$100.00} we made extra payments to clear the balance. 

During the month of XXXX and XX/XX/XXXX we made 5 calls to Best Buy XXXX credit card - asking them to apply the extra payments to the older promotional offer - each time we are told they take care of it. TODAY XX/XX/XXXX we talked again with another supervisor as we still have a balance of {$29.00} - after again making an extra payment on XXXX to clear the balance and it still went to the newer promotional offer. They told us again that is taking care of - if the balance is not cleared we are going to be charged over {$800.00} in deferred interest. It is unacceptable on what CITI is doing and how they have not been able to assist us. 

They are in breach of XXXX XXXX act and not applying the payments toward the oldest promotional offer.
Complaint sub-issue: Information belongs to someone else

I never use my social to apply for anything, yet I have an account that has went to collections showing on my credit report. It is showing as an open account open since XX/XX/2021. This account is NOT MINE.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was 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 inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX