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

My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against CITIBANK N.A. for committing identity theft. I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Other problem getting your report or credit score

Evening as I began to review my reports XX/XX/2019 I noticed that equifax had not reported/updated my credit. This has stopped me from obtaining my home due to them dropping the ball. I've contacted them several times they're telling me that this is not true to contact the entity of choice. I was also provided equifax logins however their site is still saying the same. Countless hours on the phone constantly purchasing reports to only end up with the same results have landed me here.
Complaint sub-issue: Reporting company used your report improperly

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report!
Complaint sub-issue: Was not notified of investigation status or results

Equifax sent me a credit file on the XX/XX/2019, I submitted on the next day Disputes and then Resubmitted again when I was not notified of the original disputes results. I filled with FTC and my local authorities and the creditors and credit companies XXXX, Equifax, XXXX, and XXXX. XXXX has already finished up all the disputes and items were removed from my report. I have and will up load them with this complaint the confirmation fax and certified mail confirmation of received mail from XXXX office where i faxed from and the US post office where I sent the certified letter from. I have called numerous times with disbelief about the whereabouts of my personal documents. I a Identity theft victim already and it seems like its happening once again. The thirty days the said before it up today for the re-disputed items and they have said repeatedly that all they have is incomplete information sent XX/XX/2019 via fax. They are still furnishing information that is incorrect and the results of identity theft. I have been turned down for Jobs I've waited to interview for six months previously and lost out due to not being notified of results that i could have informed my future employer and would have been permitted to have a interview at a later date. I lost my Job due to this as well and i am not able to receive state assistance due to this. I can not apply for credit or services or goods as well. My basic living situation is in turmoil due to the results of identity theft and it's worse when you do everything to fix the effects of identity theft and run into an unfair situation with a Credit Reporting Co. and your the Rights you think you have isn't so true. As i read the FCRA and notice to Furnishers of information ; Obligations of Furnishers under the FRCA. The 611, 609 ( e ) and I really feel as if them Rights have been violated by Equifax although I am not for sure I knew the right thing to do is contact the CFPD and file another complaint. The complaint on file now for Equifax has yet to be replied to from CFPD to Equifax. So I can only hope that they take this complaint seriously and reply to the complaint or notify me that my Documents have been received and that they will do what they were sent for with my documents and protect and secure my personal information that I paid to send. This matter is very serious as it involves Identity Theft. I am afraid at this very moment for my personal information is in the wrong hands due to Equifax and past events within there company. Respectfully, I'm afraid I need help please help me CFPD!!!!
Complaint sub-issue: Problem with customer service

-XX/XX/XXXX, I submitted certification of my employment with a PSLF eligible employer. 
-XXXX XXXX, I was notified by my old loan servicer, XXXX, that my Federal Loans would be transferred to XXXX. I was told the terms and payment. schedules would not change. 
-XX/XX/XXXX and XX/XX/XXXX payments are not auto-drafted from my bank account. The payment schedule has been lost in the transfer. 
-XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXXXXXX ( ID : XXXX ) and I am informed that a review of my PSLF payments can be requested and would require 30 days to receive credit for the missed payments. I also asked to be switched to a PSLF eligible payment plan for which XXXX initiated a 10 year standard repayment plan. 
-XX/XX/XXXX, XXXX ( XXXX ) informs me that the PSLF review will now take 90 days -XXXX, XXXX  ( XXXX ) informs me that the current payment plan recommended by XXXX was not PSLF eligible. He also informs me a PSLF review takes 120 days. I inform him that 120 days has already elapse. He offers no resolution.
Complaint sub-issue: Didn't receive services that were advertised

I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXXXXXX XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX, XXXX, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX XXXX XXXX  XXXX, XXXX XXXX
Complaint sub-issue: Contacted employer after asked not to

I received a voice message on my work phone from MEDCAH on XXXX/XXXX/XXXX, attempting to collect a debt. When I called the number that was left by them from my cellphone, I informed them that they left a voice message on my work phone and I had to ask them what this debt was. The Medcah employee told me that it was a debt from XXXX XXXX from XXXX/XXXX/XXXX in the amount of {$87.00}. I told the rep that From XXXX/XXXX/XXXX til XXXX/XXXX/XXXX I have never received a statement from XXXX XXXX nor a statement from Medcah, she explained they sent a statement in XX/XX/XXXX. From XX/XX/XXXX til XXXX/XXXX/XXXX I have not ever received a notice from Medcah. I asked her to send me a statement and as of XXXX/XXXX/XXXX I still have not received a statement from XXXX XXXX or Medcah. I would not jeopardize my credit report for {$87.00}.
Complaint sub-issue: Reporting company used your report improperly

On XXXX. XXXX, 2017, EQUIFAX reported a breach of their cyber security during which time they believe my data, including personal records like social security number, credit reports, addresses, phone numbers, and more, were accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unknown Inquires on my credit report that I did not make or give permission for. 


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

My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.
Complaint sub-issue: Charged too much interest

Home improvement loan with GreenSky. Work  completed and XXXX XXXX XXXX submitted bill to GreenSky XXXX week in XXXX. I received 1st bill on XX/XX/2020 listing statement for period ending XX/XX/2020. Loan states no prepayment penalty. I called to verify the loan balance and was told that though the loan was for {$28000.00} my payoff amount is {$28000.00}. How can interest be charged if I am paying off the entire loan with the 1st statement?
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX, BEST B Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive XXXX involved and sent this letter to the CFPB, attorneys general XXXX and the better business bureau and Federal Trade commission XXXX 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX BANK XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Fee problem

In addition to XXXX Bank of The West returned my {$50.00} check # XXXX to my XXXX account and charged me {$15.00}. I learned of the return check but only just learned of the {$15.00} charge. I had been told XXXX could not read my account number and blamed them over Bank of The West. Yet Bank of the West photo image was accepted and you can clearly read on the back all of my correct numbers. I think they did this on purpose based on my prior complaints and to earn revenue from themselves while stealing a XXXX XXXX XXXX person on XXXX money because like I stated before is easier to steal money from the poor as we have no power. I Need my {$15.00} back. I am XXXX years old and haven't had anything bounce since I was XXXX from a work paycheck error.
Complaint sub-issue: Problem getting my free annual report

I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a collection letter XXXX XXXX a debt that was not mine it was fraud I do have a police report. I asked the company when the debt was they said " activated XX/XX/XXXX ''. First it is not my debt second it is well over 7 yrs old this is the first I am hearing about it. I wrote to them sent police report and request to stop all communications they said they were reporting it to credit bureau XX/XX/XXXX. IT IS & YRS OLD AND FRAUD! (! please help )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

We bought our house in XX/XX/2018 loan from XXXXXXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending.

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these unverified 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I regularly check my credit report through a service called XXXX XXXX and it shows that I have a derogatory mark on Equifax 's report. 

I do not recognize the original creditor name, XXXX XXXX XXXX XXXX XXXX, and did not purchase or use any of their services described on their website. Also, neither the original creditor or the collection company, XXXX XXXX XXXX XXXX XXXX, have contacted me nor provided evidence that their reporting is valid. 

I disputed this derogatory mark using Equifax 's online dispute system on XX/XX/2019, and their response on XX/XX/2019, says that the information on my credit report is verified. However, Equifax did not provide any evidence that the collection company 's claim is valid.
Complaint sub-issue: Account status incorrect

The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment
Complaint sub-issue: Having problems with customer service

They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.
Complaint sub-issue: Problem with personal statement of dispute

I have attempted to fix this issue with XXXX XXXX XXXX /AFNI , Inc in the amount of {$8600.00} multiple times per the information stated on my credit report I have not had XXXX services open XX/XX/XXXX after speaking to XXXX i was informed i owed for 5 lines I informed her at this time " that is incorrect information she at this point stated yes this happens alot with XXXX " I've requested for a manager to review this unknown account and was informed they do not do so and i would have to pay the amount due, Ive called back multiple times and have spoken to XXXX XXXX XXXX he stated this account is under review for fraud and should have been closed as of XX/XX/XXXX and removed. XXXX also stated the reason it keeps popping up on my credit report is because XXXX sells the accounts to 3rd parties. This is unfair/ and unjust for this company to accuse me of owing for this account Ive asked what address do they have on record and XXXX responded with your address XXXX XXXX i informed him that my address clearly pops up on my credit report that does not mean this account was taken out by me at this address, also informed him of XXXX XXXX XXXX paperless account info they have for customers. He then responded with the only amount he can receive from me at this time is {$4400.00}. I reminded him about the prior conversation where he stated on XX/XX/XXXX that as of XX/XX/XXXX this account should have been removed and was hung up on by Mr. XXXX # XXXX
Complaint sub-issue: Problem with balance transfer

I had a credit of {$27.00} and was told to send a check to Home Depot Credit Services with 16 digit code so that they might credit my checking account. Rather than crediting my account, they sent another {$27.00} from my account TO home Depot! 
Now I have another statement with a credit for {$55.00} with instructions to do the same thing. Fool me once ... ...
Complaint sub-issue: Account information incorrect

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX, equifax XX/XX/XXXX last payment : XXXX XX/XX/XXXX equifax XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Complaint sub-issue: Information belongs to someone else

In the latter part of XXXX of 2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
Complaint sub-issue: Public record

Lexus nexus is reporting drivers license suspension as of XXXX 2010 upon contacting DMV no such record exists lexis nexus is reporting false info to extort money out of me pls help licensce no is XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

I was issued this card by Texas XXXX. The card became inactive after accepting a refund on the card that wasnt used to make the purchase. The company asked me to send in the original and refund receipt in order to make the card active again. I uploaded the documents online as well as faxed the information to three different numbers that were given to me.
Complaint sub-issue: Problem with customer service

On XX/XX/2022 I called FedLoan Servicing to request that my student loan payments made on XX/XX/2022 ( totaling {$21000.00} ) be refunded to me since they were made during the Covid-19 federal forbearance period. They told me they submitted the request and it would take 2-8 weeks. It's far too wide of an estimate initially and it has also already been 6 weeks. My husband already received his refund from his student loan servicer and there's no excuse for it to take this long. On top of it all I called them today to get an updated status and their primary phone number didn't allow me to get ahold of an actual agent. There was no option that pertained to why I was calling nor was there an option to get ahold of the operator.
Complaint sub-issue: Problem getting report or credit score

Equifax required that I purchase their service package of {$17.00} a month before they would help me with any request I had. They charged me for obtaining info about my own account!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Notice, it is a Fact, that, I, XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. 

Notice, it is a fact, XXXX  is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry CITI CARDS CBNA XX/XX/2020 as seen on my report in Exhibit ( 1 ). 

Notice, it is a fact, XXXX is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and CITI CARDS CBNA is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.