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

In XXXX XXXX my husband and I were searching for a new, larger apartment for our family since I was XXXX at the time. We arrived at XXXX XXXX XXXX and decided this is where we wanted to live. The leasing agent provided us with a Move-in cost sheet indicating that it would cost {$2100.00} to move into the apartment. In order for them to approve us, they needed to perform a credit check and background check and instructed us to complete an application. Within the application it states we have 24 hours to change our minds and if after the 24 hours we are approved and decide not to take the apartment, they would then charge us one months rent equivalent to {$1500.00}. 

More than 72 hours later, the apartment complex called to tell us that we were denied based on our credit and the original costs to move in were no longer valid and that if we still wanted the apartment it would cost us between {$2500.00} and {$2700.00}. We needed time to think because that was not the original agreement and we could not afford such a large amount. On XXXX XXXX, I went on emergency maternity leave and as a result our financial picture changed and we decided there was no way for us to afford the large amount to move in. 

When we called the apartment complex to turn down the apartment they demanded we pay them {$1500.00} for one months rent since we signed an application agreement. We instructed them that we never signed a LEASE, and since they changed the move in costs required of us to move in, it nullified the application agreement. 

We contacted our friend XXXX who is an attorney and the apartment complex refused to speak to him ( and us ). Within a few weeks we received a collection letter from Hunter Warfield. A few months later I contacted the Attorney Generals office who forwarded our complaint to XXXX where they spoke to XXXX, the manager at The XXXX. XXXX agreed that the debt should be retracted. I spoke to XXXX who explained why they sent it to the XXXX credit bureaus but agreed that the debt should be retracted. The Florida Department of Agriculture was unsuccessful in reaching XXXX and Hunter Warfield. 

Thee problem was never fixed and XX/XX/XXXX I received another letter from Hunter Warfield who is still attempting to collect the debt and refuses to remove it from our credit reports, and after disputing it with XXXX, the smear still remains. I also went to XXXX to speak directly to XXXX who denied ever speaking to XXXX XXXX XXXX and could not recall who I was or what my complaint was ever about.
Complaint sub-issue: Reporting company used your report improperly

request to have inaccurate reports removed off account
Complaint sub-issue: Debt is not yours

ERC is reporting I owe XXXX XXXX I have never had XXXX XXXX this is not mine
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to speak with XXXX representatives and they refused to remove all negative inquiries off of my credit report.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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: Received bad information about your loan

In XX/XX/XXXX I reapplied for an Income Driven Plan and was informed it was approved for $ XXXX/month. I filed my taxes in XX/XX/XXXX, checked the status a few weeks later and seen a tax topic code 203. Unsure what that meant I did research and found it was due to my student loans. I contacted the loan company right away and was informed my loans were put in default in XX/XX/XXXX, I was never informed about this. I started contacting the debt collection company that was handling the debt and the Department of Education. I was told there was nothing that could be done to stop the tax offset of my refund. D.O.E stated if the error was on XXXX XXXX I would need to contact them and dispute the error. I contacted the Service Recovery Department of XXXX XXXX on XX/XX/XXXX and was informed my application for the Income Driven Plan was either never processed or wasnt processed correctly. The agent I spoke with started the request to have the default reversed due to clerical error and informed me it would take 30 business days for the request to be sent to the Department of Education. I called the DOE on XX/XX/XXXX, they had not received the request yet. I contacted XXXX XXXX on XX/XX/XXXX to check the status again, I was informed the requests are sent to DOE the end of every month and was assured it would be sent by the end of XX/XX/XXXX. I contacted DOE on XX/XX/XXXX, they still have not received the request. I contacted XXXX XXXX on XX/XX/XXXX and was told their internal department has not reviewed my case yet. At this point I have waited the time they required and I had my entire tax refund offset due to clerical error on XXXX XXXX and they can not give me answer to when this will be resolved. After they do send the request to the DOE I have to wait an additional 30-60 days for the loans to be sent back to XXXX and out of default, 45 days for DOE to process the refund for the amount that was offset and an additional 14 days for a check to be sent to me. This situation has caused me extreme hardship, financially and emotionally. Something needs to be done for XXXX XXXX to resolve their error.
Complaint sub-issue: Information is not mine

In 2007 I had discovered that there had been multiple accounts opened under my name or social security number. I filed a police report with the XXXX Police Department and notified the credit bureaus. Years passed and I was unable to have everything cleared up with the credit bureaus, however, life moved on and I just did n't have the time or patience to deal with it. Within the last year or so I discovered some more accounts that were unauthorized and I contacted XXXX, XXXX and Equifax. Fortunately XXXX and XXXX have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting documents, so I have no choice but to file this complaint in an effort to clear my name.
Complaint sub-issue: Information belongs to someone else

My wallet got stolen and my social was in there. My identity was stolen and there were fraudulent inquiries added to my credit that were not authorized by me. I would like them to be removed of my credit report. 
There are as follows : 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 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 information incorrect

XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).
Complaint sub-issue: Information belongs to someone else

Someone opened a Macy 's account, XXXX loan, and XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.
Complaint sub-issue: Investigation took more than 30 days

Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing
Complaint sub-issue: Debt is not yours

I called the company regarding this claim of debt, I did inform them that over the last 2 years I was victim of identity theft, I did file a police report XX/XX/XXXX with XXXX XXXX XXXX Police event number XXXX where XXXX XXXX was billing my account, I do not have XXXX service nor have I signed or done any business with that company. The letters and phone calls stopped but have started up again XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute request to Equifax in writing on XX/XX/2020. It has been well over 30 days since I requested that the derogatory information that they are publishing and still no response. I pointed out several inaccuracies and requested that the information be deleted from my profile.
Complaint sub-issue: Was not notified of investigation status or results

I sent Equifax a letter to dispute an invalid account and multiple invalid inquiries being reported on my account. USPS confirmation shows Equifax received the letter XX/XX/2020. It has been 30 days and I have not received any correspondence related to this dispute. Equifax 's failure to respond to my letter and investigate these invalid items on my report are cause damage to my profile resulting in credit denials, higher interest rate and damage to my reputation. I have attached a copy of the XX/XX/2020 letter sent and a 30 day non response letter.
Complaint sub-issue: Information belongs to someone else

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act
Complaint sub-issue: Their investigation did not fix an error on your report

All three of the consumer reporting agencies XXXX, XXXX, and Equifax has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXXXXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I am XXXX XXXX XXXX XXXX, I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a CITIBANK NATIONAL ASSOCIATION, doing business as CITIBANK credit card ( citicard ) in XX/XX/2021 with a limit of XXXX XXXX dollars. In XX/XX/2021, I received an alert text message says that my limit was dropped to XXXX XXXX, XXXX XXXX dollars. I never missed a payment. I was never late on a payment either. I called the CITIBANK customer service, to inquire why would the limit was dropped. The service agent that I spoke with with, was unable to answer my question. She said an explanation would be mailed out to me.I called back XXXX, XXXX and XXXX, inquiring about the decrease in the credit limit. All along, still not missing a payment or making any late payments. I have NOT received any information on the phone or by mail, on why my limit was decreased. I always confirm my mailing address, with every call. I spoke with supervisors, and still I have not received any information, on why this trangression of my rights was taking place or why I am being denied my right of credit by CITIBANK NATIONAL ASSOCIATION. According to 15 USC 1602 definitions of The Truth and Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK NATIONAL ASSOCIATION , adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( II ) are up to ( {$5000.00} ) CITIBANK NATIONAL ACCOCIATION , doing buiness as CITIBANK is now civily liable to pay me for the damages.
Complaint sub-issue: Information belongs to someone else

There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Equifax ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( Equifax ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$52000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$36000.00} - XXXX XXXX ( XXXX, Equifax, XXXX ) - {$1300.00}
Complaint sub-issue: Account information incorrect

Equifax.l not reporting credit balances in a timely manner, called on XX/XX/XXXX to get help and XXXX XXXX Resolution supervisor on XX/XX/XXXX, XXXX wasnt helpful and put me on hold for over 10 minutes! Im still on hold AS I FILE THIS COMPLAINT. He kept blaming the cc company on not reporting my balances when thats incorrect. We have this issue every month!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted several letters to XXXX, XXXX  and Equifax regarding false information listed in my credit report and have not received any feedback. I sent these letters back in XX/XX/XXXX, XX/XX/XXXX and just sent in another letter in XXXX. It has been several months and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from XXXX  and XXXX and Equifax.
Complaint sub-issue: Problem during payment process

Citi computer systems misrepresented the amount due and instigated auto payments when in fact they had been paid and the account showed a zero balance. Auto payments resulted in {$54.00} in NSF fees to which Citi 's response was " present our letter to XXXX and maybe they will refund the NSF fees ''. 

Details in attached letters, Citi statement and XXXX and XXXX statements. 

I did reach out to XXXX and they did (! ) refund the NSF fees. That's a mystery to me.
Complaint sub-issue: Problem accessing account

I opened an acct for my son in 2004. It had at least {$1200.00} in it. Citibank closed it with no notification to me and there is no history of the account ever existing. 
I have the paperwork from when I opened the acct and several deposit slips that are initialed and signed by the banker, that show deposits to the account. 
We never received any indication that the account was being closed. 
Citibank suggested that I file a missing funds report with the state but it doesnt seem that the funds are there. 
I dont know what to do. They have misplaced all of this money and have NO record of the account ever existing. 
We have contacted, via phone and in person, Citibank at least 5 times regarding this and they still have no record of this existing. 
Thank you.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.