Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have disputed multiple items with Equifax & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like Equifaxed got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

Equifax 's hacked system compromised my personal identifying information. I 've had to spend countless hours to ensure I am protected since so much of my information was reportedly compromised. Not only does this include educating myself fully of the situation, but also placing freezes on my credit, signing up for credit monitoring, pulling my reports and analyzing anomalies, and many hours learning how to fully protect myself ( and I 'm sure I 'll spend many more hours fighting the inevitable attempts at my identity being used ).
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022 I sent a debt validation letter by certified mail which was received by the debt collector on XX/XX/2022, according to XXXX certified tracking information. It is now XX/XX/2022 and I have not received any debt validation information.
Complaint sub-issue: Debt was paid

After I moved out from XXXX XXXX in XXXX, FL, I paid all the monies I owed them, including the alleged amount they reported to the Credit Reporting Agencies ( XXXX, XXXX and XXXX ) for the amount of {$420.00}. I have sent multiple letters on this matter to the apartment complex company and the credit reporting agencies and have fallen on deaf ears. I included on my communications a screen shot from my bank account in which clearly anyone can see that I have paid the alleged owed amount.
Complaint sub-issue: Investigation took more than 30 days

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

This complaint is in regards to Equifax 's reported hacking incident and the release of my personal information without my express permission. Due to their inability to protect my data I am now at serious risk of credit and tax fraud. 

As a small business owner this may have a huge impact not just on me but on my employees and the growth of my company as well.
Complaint sub-issue: Problem getting your free annual credit report

I was requesting the copies of my free credit report that I am to be able to access once every 12 months for free. I was able to obtain my XXXX and XXXX reports, but for some unknown reason, my Equifax credit report was not generated. This makes no sense to me since I was on XXXX and had provided the same information for all 3 reports. I was able to obtain two of them, why not three. I need the copy of my report to make sure that nothing is appearing on there that should n't be. I feel that a company may be trying to commit fraud on my credit report and you, Equifax, are hindering that.
Complaint sub-issue: Account information incorrect

XXXX XXXX continues to report that there is a balance due yet they have charged off this account. In addition ; the balance isn't correct.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I contacted the creditor ( XXXX ) directly and they agreed that the account information did not belong to me. I provided them with all documents requested and they sent me a letter stating I was not responsible for the debt. I forward the letter from the company to Equifax and they still would not remove the account. They actually made the account a paid collection which is hindering my FICO scores. It is not my account and it should not report on my credit file. It was a case of identity thief. 

I have proactively put a " Freeze '' on my credit file to help mitigate the risk of fraud. This is the third ( 3 ) time I have fallen victim to this crime and I am suffering financially every time I apply for credit. This is my  very last option.
Complaint sub-issue: Attempted to collect wrong amount

We sold our home at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I personally took all of the XXXX equipment to the store located at XXXX XXXX, XXXX, XXXX XXXX, on XX/XX/XXXX to return and requested the account be closed. The account was in good standing at the time and I even paid the bill that came due on XX/XX/XXXX for {$240.00}. I received late payment notices from XXXX starting after XX/XX/XXXX stating I was past due for XX/XX/XXXX. I contacted XXXX a total of ( 5 ) Five times between XX/XX/XXXX and XX/XX/XXXX. Three time in person at the store ( including the original return of equipment date on XX/XX/XXXX and two times by phone ). During one of the two times by phone I received a " ticket '' number XXXX from the XXXX representative on the phone and was told the account would be updated and closed per my initial contact on XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail stating I was now past due for the months of XXXX and XXXX, XXXX. I went back to the XXXX store located at XXXX XXXX, XXXX, XXXX and informed the XXXX representative of the situation. He pulled the account up and informed he corrected it and showed it closed per XX/XX/XXXX. I left the store and received an email about 10 minutes later from XXXX showing where the account was closed, but dated XX/XX/XXXX and NOT XX/XX/XXXX. I returned to the store and spoke with the same representative, again, and he assured me he specifically put in the notes for the account to be closed XX/XX/XXXX. I now learned as of XX/XX/XXXX, that XXXX has turned me over collections. I am disputing this claim. I have documentation showing where the house was sold on XX/XX/XXXX and we moved into a new home the same day. This is absolutely ridiculous. I did everything required to close the account and still not resolved. 

I have also filed a complaint with the XXXX XXXX XXXX. I have attached a copy of the closing paperwork on our house located at the residence where service was provided relation to the bill and also a copy of one of the " XXXX ticket '' numbers I received during one of the 5 conversations with XXXX representatives. 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and thousands of other people at risk. I also mentioned I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Transaction was not authorized

1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Based on a promotional offer 'Citi-flex-plan XXXX, I set up a low-interest payment plan on a charge I made on my credit card. I have made those payments on time monthly and understand that if I pay off this balance earlier I will still be responsible for the 6.99 % interest charge for the entire period even though the balance is XXXX. 

A few months later, I received a 0 % offer from Citibank for 4 months. I decided to take advantage of this as well. However, now the balance is due on XX/XX/21 to avoid retroactive interest. I knew this was the due date when I took the offer but also intended to pay it off in full to avoid the interest. 

So on XXXX, after I satisfied my Citi-Flex-Plan payment, I made an extra payment of {$5300.00} only to discover that Citibank has posted it against the flex plan first and not against the balance of XXXX due on XX/XX/21. When I called them to ask them about this, they said that the payment went towards my Citi-Flex-Plan despite my not wanting it to. When I asked why they said because it has a higher interest rate. But that does not make sense because if I pay it off earlier or not I still pay 100 % of the interest. 

I asked them to reapply it to the other balance and they refused and told me I had to pay off my balance in full to avoid paying interest on the XXXX due on XXXX. This is totally wrong and designed to ensure I pay interest on the entire balance of XXXX. I can't avoid interest on the Citi-Flex plan regardless of if it's paid off early or not and they are now requiring payment in full ALL AT ONCE to not incur interest on the interest-free portion. 

This was never disclosed to me at the time I took the loan and feels like its a trick or evasive tactic to ensure they get more interest from an offer they made that was interest-free if paid by XX/XX/21. 

Furthermore, my bill isn't due until the XXXX of the month but I now must pay off my entire balance of XXXX in full- which includes the Citi-Flex-Plan to not incur interest on the XXXX. 

I am so tired of these large credit card companies playing tricks like this. I should be able to make additional payments and have it post where I want as long as I am current. Now I have to pay them even more to avoid interest which was never disclosed to me. SO WRONG. Shame on you Citibank.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit breau keep reporting old child support that is still in litigation since 2016 I do not owe this debt this debt is not settled in the Court of law. I did not sign a contract with Child Support and they can not produce anything with my signature stating that I'm responsible for such debt. Futhermore this debt was obtained by Fraud for I was not present when this debt occured. The Children that this debt is based upon are not my kids and I haven't neither do I attend to take responsibility for kids that are not mine. If this credit reporting agency continues to report this inaccurate information on my credit report I will be forced to take the next stept which is file a law suite in Federal Court because they are violating the fair credit act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXXir Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My aXXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

I would like all my unauthorized Inquiries, my derogatory remarks, late payments, public record, closed accounts removed. Many Of these accounts fall under the statute of limitations or are misreporting on my credit report. 

( Please remove any and all unauthorized inquiries from my reports as I have No knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. )
Complaint sub-issue: Problem during payment process

After making a payment exceeding 50 % of balance owed they closed my account
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXXXXXX XXXX XXXX  I attempted to withdrawal cash at an ATM inside a Citi Bank location. The attempt was blocked multiple times at the ATM, and while it presented no reason for the issue, it directed me to speak with a bank teller. The bank employee was unable to to withdrawal the cash, but was able to tell me a fraud hold had been placed on the card due to my attempts. I left without any withdrawals occuring that day, and I called Citi to confirm that it was myself who had attempted those withdrawals unsuccessfully and have the fraud hold removed. When I checked my account a few days later, I had been charged for a withdrawal of {$500.00} dollars and a subsequent {$25.00} fee. I called Citi again, was assured that charged would be reversed. Waited for a few days and this never happened. By the XXXX of XXXX I called Citi again, was told that the charge would be reversed again, and received a letter about a provisional return while the issue was resolved formally. Then comes my latest statement, with the charge put back on, fee put back on, and interest charged. On cash I never recieved. Today, XX/XX/XXXX, I spent a couple of hours trying to ask Citi employees to reverse this charge yet again. This time I was told flat out I was denied. Citi has decided to keep the money, because they decided I received it. What proof there is to conclude this, they refuse to provide. I beg to differ as phone records and video cameras from the bank on XX/XX/XXXX will show quite clearly otherwise.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 Balance {$7900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 Balance {$38000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

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.

( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was notified and sueing Equifax because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about 1oo times now XXXX has blocked me from disputing information on my credit account, Because of the Equifax data breach I see on Equifax information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and Equifax and XXXX are showing inquiorys that I didnt do all being done because of the Equifax data breach all three tell me they cont care and cant help me.
Complaint sub-issue: Fee problem

I was charged a {$35.00} overdraft fee on XX/XX/2019 for an apparent overdrawn account on XX/XX/2019. However, my account never went into the negative on that date and remains in the positive today ( XX/XX/2019 ).