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

XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. 
Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from XXXX XXXX and Sage CRA 's. Further on page 1, On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXXXXXX XXXX XXXXXXXX XXXX XXXX TheftXXXX XXXX paid XXXX NOT MINE. AND # XXXXXXXX XXXX XXXX XXXX XXXX  DELETE its all FRAUD. You have wrong person. FCRA.
Complaint sub-issue: Account status incorrect

XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take 5 business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS 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 items 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 items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account terms

XXXX XXXX XXXX is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to Equifax. Furthermore, they do not report credit history debt. After I dispute their information being reported and it is removed, XXXX XXXX XXXX report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history.
Complaint sub-issue: Sent card you never applied for

On XX/XX/2021 I received a CC in my former name but current address, that I did not apply for. On XX/XX/XXXX, I called to speak with a representative to inform them, it automatically activated the account due to me verifying all the information. I have been unable to get a live representative on the phone to close or dispute this account. I checked my credit history and there was no suspicious activity reflected.
Complaint sub-issue: Public record

I have asked for two years for this information to be updated and its not. Also my score needs to be recalculated as well.
Complaint sub-issue: Trouble with how payments are handled

From the moment I went into loan repayment, I engaged Nelnet to find the most affordable option available for me. They put me on the lowest payment option ( not a federal program ) that extends the life of the loan and accrues the largest amount of interest. This option was absolutely in their interest, and did nothing to help me pay off my debt. I began to do research and asked to apply for one of the income-based repayment plans that are laid out on federal student loan website. They first told me that I did not qualify for any of them. 

This was incorrect ; I qualify for the REPAYE program. I 'm not certain, but assuming that they should understand these programs better than me, it was dishonest at best, and a lie at worst. It took me months to argue for moving my loan onto an income-based repayment plan. I engaged, and re-engaged for months, to only finally be placed on REPAYE this month ( XXXX 2016 ).
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, ENHANCED RECOVERY CO L ( XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Can't close your account

Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!
Complaint sub-issue: Their investigation did not fix an error on your report

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX  Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report and noticed accounts and noticed accounts I did not authorized.
Complaint sub-issue: Personal information incorrect

My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Are violating the fair credit reporting act on the fair debt collection practices they are sending my personal information to an address in Florida that I have never lived at in my life on this information they listed my XXXX Social Security number my XXXX cell phone number my XXXX date of birth the fact of the XXXX matter is they also disclosed what they claim I owe them as debt to someone I dont live with or know The collection company they used was called ERC, ERC is Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I prove that they try to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I proved it they tried to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX  XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Them for violations because of multiple collections they were involved on for fraudulent collection before they return want to put false information on my credit report and want to send personal information to an address in Florida I have never lived that in my life as well as violations even further by giving my personal XXXX information to the people at that address as well as disclosing supposed debt which is another violation, these XXXX XXXX at XXXX XXXX  and ERC are now going to get XXXX sued for sending my personal XXXX information to a place Ive never XXXX lived at in my life, that as well as disclosing supposed debt which is another violation I will be contacting an attorney and you can XXXX my XXXX XXXX you XXXX XXXX you XXXX XXXXXXXX XXXX  XXXX give my personal information somewhere Ive never XXXX lived you XXXX Im telling you right now if anyone at that address tries using my information not only am I gon na XXXX sue you I will XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  and Ill XXXX  for XXXX XXXX XXXXXXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

I am a 100 % XXXX XXXXt. Since I live more than XXXX miles from my primary care doctor, I am also part of the XXXX XXXX program. In XXXX. XXXX, I went to the XXXX clinic about XXXX miles from my home. Since I was having a serious medical condition, the XXXX sent me by ambulance to a non XXXX hospital. I was admitted and my condition improved and I was released 6 days later. My XXXX rate ( XXXX XXXX ) stabilized on the afternoon of the XXXX day. The XXXX XXXX XXXX was deferred to a later date. 
The hospital is billing me for co-pays and amounts they say were not paid by the XXXX. I have been informed that the hospitals have to accept what the XXXX pays and the XXXX can not be billed for the deductibles and copays. 
The hospital has turned the medical bills over to a collection agency. I have tried to explain to them and the hospital that I am a XXXX XXXX and I am not responsible for the charges.. 
Also that I can not be sued or garnished because my only income is XXXX XXXXy XXXX and XXXX XXXX and it is exempt. I have also explained this to XXXX, XXXX and XXXX. All of them are and will be reporting the debt on my reports. 
.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the Equifax data breach andmay have gotten into the hands of unauthorized individuals.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Complaint sub-issue: You never received your bill or did not know a payment was due

I opened this new XXXX XXXX  card issued thru Citi card in XX/XX/XXXX. Statements were set up for online billing and I didnt make this request. I preferred mailed paper statements and complained in XX/XX/XXXX, I was assured that statements would be mailed in the future. This didnt happen and the online bills went to my junk file on my computer. I received a call on XX/XX/XXXX indicating that I was 2 payments behind. I paid my balance in a payment of {$150.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was charged late fees of {$39.00} each for 2 billing dates.
I complained that I was promised that I would receive regular bills back in XX/XX/XXXX and they failed to correct my account. 
I filed a dispute against CitiCard on XX/XX/XXXX with XXXX acting on my behalf.

My 1st mailed paper statement was for XX/XX/XXXX for {$1000.00} and that amount had already been paid I spoke with my credit protection provider, XXXX, on XX/XX/XXXX about the problem. She recommended that I try to contact a supervisor at CitiCard and I finally got through to a supervisor on XX/XX/XXXX. 
I was told the problem would likely get cleared up the next week. 
I called CitiCard a couple of more times and could not get any reply. 
Today, I spoke with XXXX  to see if they had anything back from CitiCard regarding our refined dispute. To date, that have not heard any further from CitiCard, nor have I. 
The representative from XXXX  recommended that I file this complaint against Citicard through the FTC.
Complaint sub-issue: Problem with rewards from credit card

I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX  and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.
Complaint sub-issue: Talked to a third party about my debt

My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information. 

I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name. 

I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim. 

I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party. 

Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to report nonsense on my credit report. I have repeatedly sent letters verifying and indicating that the information they are reporting is inaccurate and needs to be removed. They remove it for a month and then place it back on my credit report. I am taking them to court in small claims court I have documentation to prove so. This is becoming ridiculous I have been dealing with them for a year now.
Complaint sub-issue: Public record information inaccurate

XX/XX/XXXX - I pull my consumer report and an eviction from XX/XX/XXXX is still present. I received a letter from the OCA which was handling the default judgment stating this would removed from my credit report within 90 days. That letter was dated XX/XX/XXXX. 

XX/XX/XXXX - I contacted the court handling the case and told them it was canceled by the OCA. I was told I had to take the letter to the apartment complex and ask them to vacate the judgment. 

XX/XX/XXXX - I went to the apartment complex to talk to them about this matter. I was told the letter was wrong, and that I owe {$4100.00}. I don't understand how the OCA could make such a mistake. 

XX/XX/XXXX - I apply for an apartment and I subsequently denied due to the eviction found by XXXX   tenant screening services. 

XX/XX/XXXX - I filed a dispute which included the attached documents. 

XX/XX/XXXX - I still have not heard about the dispute from XXXX.