Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third party about my debt

XXXX XXXX XXXX had an outstanding debt for {$710.00}, which was news to me. I learned this information in XXXX XXXX and further found it to be true when I located it on my credit score. 

Having disconnected my account with XXXX XXXX XXXX in XXXX XXXX when I switched to cheaper rates with XXXX XXXX, I decided to investigate the claim XXXX - In contacting XXXX XXXX XXXX, they told me that I had a delinquent bill on XXXX XXXX, XXXX and reiterated an amount of {$710.00} ; however, they were unable to provide me with physical proof of said bill as the finance department can only send a hard copy of an account 's bill to the address on record, which, they told me, was in XXXX. Having never XXXX lived in XXXX, I found this quite odd - and, furthermore, I was unable to acquire the exact address ( as they can only verify the address and not actually tell me what they had listed ). 

So, right off the bat, I 'm prevented from receiving a physical copy ( in any format ) of the actual, original delinquent bill for which I 'm being charged. Personally, I was curious how a phone bill could reach {$710.00} without being shut off, but, having a claim against me, first and foremost I would like to view the claim and its details. This, according to XXXX XXXX XXXX, is impossible for me. 

Therefore, I find this claim to be fraudulent as it is n't quantifiable in the any physical way ; though it does n't end there ... 

XXXX - I tracked the creditors that have since purchased this specific debt, which includes XXXX in XXXX XXXX and XXXX XXXX in XXXX XXXX. Neither of these credits felt obligated to contact me XXXX or, they contacted the mysterious XXXX address to which the bill belonged XXXX ; on top of that, they changed the total of the debt from {$710.00} to the obligatory amount of {$840.00} XXXX for their hard work, I presume ). 

XXXX the final knife in the fight, AFNI has been in contact with me since XXXX XXXX, offering a settlement to a debt I had n't been aware of. They seem to be the XXXX in the bunch to actually locate me and inform me of this debt, though I 'm not even certain that I am the XXXX XXXX they 're looking for, as I can not get a hard copy of the original bill and debt - presumably because that debt belongs to someone that lives in XXXX. 

I find everything about this debt to be fraudulent, from the fact that I can not see a copy of the bill and its contents adding up to such a massive sum for a phone bill, to the numerous negligent creditors that have tossed the bill around, to the final creditor that has placed it on my credit score XXXX as of XXXX XXXX, XXXX years after the supposed debt was accumulated ) and offered settlement. There is a massive negligence in the way this account and its debt has been handled.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete the Public Record ( Bankruptcy ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify this record, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate this record ; This company claims to have obtained this Bankruptcy record from XXXX XXXX XXXX XXXX but in the evidence I attached, you can see that United States Bankruptcy Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, therefore, since this company furnished this record to the other reporting agencies such as XXXX and XXXX, these disputed items will need to be removed immediately.

Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the Bankruptcy record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and XXXX does not have any address at all ; I asked for documentation to be provided to me if the disputed record can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist.

Proof of the letter from XXXX is attached.
Complaint sub-issue: Information belongs to someone else

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiries not authorized on my XXXX credit report from 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 XXXX XXXX XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXX XX/XX/XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX  XX/XX/XXXX ( multiple ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Other problem

I received multiple prescreened offers from Citi Premier Card. The prescreened offer included " XXXX bonus ThankYou points after {$3000.00} in purchases in the first 3 months of account opening '' I was already planning a vacation so I applied online, and I received an email approval on XX/XX/2019. I received my cards and called to activate my cards, by phone, on XX/XX/2019. The recorded message from Citibank said the cards were activated and available for immediate use. 
I attempted to use the cards for a deposit on a vacation that same day and the transaction was rejected. I called Cit and spoke to several people including 2 managers. 
I was advised that my account was suspended pending additional verification. That this verification could only be completed by completing a form which was mailed out that same day ( XX/XX/2019 ) as I activated the cards. The representatives could not tell me what the form said or what it required, and they could not in anyway expiate its completion. As of now ( XX/XX/2019 ) I have not received the required form. 
In summary my complaint is that I was not notified by Citi that I could not use my card despite credit approval, and activation of my cards. This action by Citi appears to be indirect contradiction of section 7 of the Citi Credit Card Agreement which lists the six events under which Citi can suspend your account. 
The Six events are in summary : 1 ) failure to make minimum payment by due date. 
2 ) returned payment 3 ) bankruptcy 4 ) failure to honor agreement 5 ) default on any other card with Citi 6 ) incomptence or death
Complaint sub-issue: Account status incorrect

Credit bureau Equifax has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXXXXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Problem with statement of dispute

Equifax has an account ( XXXX ) listed on my consumer report that is derogatory. The account has been closed for over 8 and a half years and they refuse to remove it from the report.
Complaint sub-issue: Can't close your account

Earlier today, I went to Citi 's website to close one of our credit card accounts. I was disappointed to see that " secure Message Center '' feature is not available, to communicate with Citi and have a secure environment to facilitate this. 

I proceeded to start a chat session. While chatting with the agent, I was kicked out of the session reporting inactivity detected.
Complaint sub-issue: Confusing or misleading advertising or marketing

I put in an order for a XXXX XXXX XXXX on XX/XX/2021 for a car which was blue, with XXXX XXXX XXXX  but was also supposed to include some other standard features which were advertised at the time of purchase such as a tilting front screen and the ability to play XXXX like games such as the XXXX from the car. The problem is that after the car was delivered those XXXX aformented features have finally come and been implemented, however I was told today that I must pay for these upgrades. I believe its unfair to have to pay when those features were stated to be included at the time of my purchase.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

hi I received a letter from XXXX on XX/XX/XXXX stating my loans were discharged and cancelled, then I received a letter from a collection agency on XX/XX/XXXX stating I owe XXXX dollars im exhausted dealing with them they have taken my tax return in the past 5   years.please help they are getting ready to take my refund for this year aswell
Complaint sub-issue: Debt is not yours

I have filed dispute with XXXX  and had no success I contacted the collector! ACIMA LLC and requested a proof of ownership with a original contract and they failed to mail me any original documents with my signature
Complaint sub-issue: Information is not mine

i was a victim of identity theft and continue to dispute my report and there refusing to remove it
Complaint sub-issue: Can't decrease my monthly payments

While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with me.
Complaint sub-issue: Account information incorrect

I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Fraudulent inquires : 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 : : All this inquires on multiple occasions are fraudulent.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including experian, Equifax, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all XXXX credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out certified over 60 days ago and have not been notified and as a consumer i feel like these people taken advantage of normal people like me.
Complaint sub-issue: Account information incorrect

Incorrect Information to the credit report, my score going down dramatically
Complaint sub-issue: Debt is not mine

Never had XXXX always live at home. they can validate this debt. its removed before reinserted. never had contract with this company.
Complaint sub-issue: Their investigation did not fix an error on your report

A ) On XXXX, I submitted a complaint with CFPB about my credit file being mixed with someone else 's on Equifax 's computer generated authentication question system. 

B ) The CFPB send me, on XXXX, a reply that the case was closed because the company responded. 

C ) The company 's response neither addresses nor repaired the problem. Since the CFPB closed the case, I have no choice but to open this new case. 

D ) Rather than putting copious details here, please refer to Case # XXXX. 

E ) Very Brief Summary : When someone calls Equifax or tries to set up an account at My Social Security.gov XXXX and others ), a series of questions are presented by an automated system. The questions are meant to verify one 's identity by asking details about the person 's credit history. 
The company Equifax has me mixed with someone else on the computer phone system. 
The questions asked do not apply to me. ( Examples- 1 ) Previous Name. I have no previous name 2- Former Address The choices are for states in which I have never lived 3- Current Auto Lease Payment. I have never leased an auto & have no current leases of any kind. There are more.
Complaint sub-issue: Reporting company used your report improperly

I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I made a purchase on XX/XX/2022 for a hotel reservation and I ended up canceling this and was told on XX/XX/2022 I would receive a refund in 2-3 business days. I have spoken to the merchant more than 10 times and they mentioned they had already sent my money to the bank. I have not received anything back to this date. I have filed a dispute over 10 times and they always decline this. I would really appreciate the help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately
Complaint sub-issue: Account information incorrect

I check my credit report on a weekly basis and I notice before I paid the accounts to 0 balance or became in good standing with my mortgage company, my credit score was higher. After I paid one account off and became in good standing with my mortgage company my score dropped significantly. Credit Karma, sent me an email on XX/XX/XXXX stating that my score had gone up 43 points on XXXX and 46 points on XXXX. Six days later my score had dropped 49 points on XXXX and 42 points on XXXX. I have been checking my score three times a week since XX/XX/XXXX and the score goes up and down every time I check. I have been paying my accounts on time and I also find it extremely hard to get information that does not belong to me removed, there is no way to dispute items online and the only way to communicate with credit karma is by email, they do not have a way to contact them by telephone nor do they respond to emails in a clear, professional and understanding manner. I have tried to reach out to this company on several occasions and it never goes anywhere.