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

THIS IS NOT A DUPLICATE COMPLAINT On XX/XX/XXXX,  Equifax reported to Consumer Financial Protection Bureau that they deleted addresses listed in the original complaint submitted. They did not Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX As of today, those fraudulent addresses, which were included in Identity theft Affidavits and a police report, are still reporting to my credit report. I contacted Equifax again today and was told they would file a dispute and it would take another 30 days to remove the addresses and the collection. But they reported to the CFPB that they were already removed on XX/XX/XXXX. 

Equifax has not followed the laws and have also performed a dishonest act by providing the CFPB with false information. 

They are also reporting XXXX XXXX XXXX XXXX XXXX   that was removed because the entire debt was paid. This is inaccurate information
Complaint sub-issue: Reporting company used your report improperly

n accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 u.s.c section 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Complaint sub-issue: Account status incorrect

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXX bank. XXXX bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Complaint sub-issue: Attempted to collect wrong amount

I reached a judgment agreement in XX/XX/XXXX regarding a Citibank credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XX/XX/XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XX/XX/XXXX and the balance was {$13000.00} ( I believe ). On XX/XX/XXXX, I asked the lawyer I had hired to reach out to XXXX XXXX XXXX and request a reprieve for a few months, because my son 's father had died in XX/XX/XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to XXXX XXXX XXXX, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called XXXX XXXX XXXX, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to Citibank, I do not believe in the few short minutes they put me on hold they had any communication with Citibank regarding this issue. Since Citibank hired this outside attorney, I believe their collections practices are egregious.
Complaint sub-issue: Information belongs to someone else

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  {$2200.00}
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
Account name ( 1 ). XXXX XXXX XXXX Account number XXXX Original creditor Account type Child Support Date opened XX/XX/XXXX Account status ( 2. ) Account name XXXX XXXX BANK SS Account number XXXX Original creditor Account Date opened XX/XX/XXXX Account status Closed ( 3. ) Account name XXXX  XXXX XXXX Account number XXXX Original creditor Date opened XX/XX/XXXX ( 4. ) Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX Account type Auto Loan Date opened XX/XX/XXXX Account status Closed ( 5. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( 6. ) Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 7. ) XXXX OF XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 8. ) XXXX Inquired on XX/XX/XXXX Business Type : Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 9. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 10. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 11. ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 12. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bulk Purchase Finance - General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 13. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( XXXX ) XXXX ( 14. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( XXXX ) XXXX ( 15 ). XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 16. ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 17. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 18. ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX # Accounts has violated my rights. 

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

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than Seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem using a debit or ATM card

I had XXXX Fraud on my checking account with Citi Bank by some one who claimed to be with the fraud department on XX/XX/XXXX. When I realized it was fraud it was too late. The person on the phone who already had my log in information, just needed me to confirm made 9 separate transaction back to back for a total of {$1400.00}. I filed a claim with Citi Bank the minute I realized it was fraud. Citi Bank said to wait 10 days, while this was being investigated to be denied. I re-opened the claim again on XX/XX/XXXX to be denied again. No phone calls have been made to me, no letters with any explanation as to why. It has been me who has called several times to follow up and obtain status. I have re-opened the claim again for the third time after I called for status and was told it was denied, again. Today is XX/XX/XXXX and for the third time have re-opened the claim. 
Citi Bank is a sink hole, you can call and call and get nowhere, but a run around. No one has answers. You just have to follow their procedures that gets you no results.
Complaint sub-issue: Can't temporarily delay making payments

In response to the letter date XX/XX/XXXX 1. Loan Validation Direct loan servicing center ( XXXX ) has never sent an itemized balance sheet showing how much was paid and how much is left. 
If I have no loans serviced by Nelnet then why is Nelnet using XXXX XXXX and other agencies. Denying my status with social security. 
have never received a statement from XXXX to show my loan balances and occurring payments done from XXXX. XXXX XXXX  never sent a validation by fair debt standard. 
2. SSA Benefit offset I was legally XXXX XXXX in XXXX of XXXX. My last payment to XXXX was XXXX of XXXX. 
Attached is a test done in XX/XX/XXXX and was ordered by new york state office of temporary & XXXX   assistance. 
An independent specialist and my physicain  came up with two test that concluded I was XXXX  XXXX. 
My XXXX date was officially XX/XX/XXXX My review was scheduled for XX/XX/XXXX. 

that qualifies me for 5 to 7 year XXXX. 

So how can Mr XXXX of Federal student loan aid disqualify me when two independent specialist did the test. 




If we have received information from the Social Security Administration ( SSA ) indicating that you are receiving Social Security Disability   Insurance ( SSDI ) or Supplemental Security Income ( SSI ) benefits  and that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. 
If you are receiving SSDI or SSI benefits and your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination, but we did not contact you about a XXXX discharge, you can apply and provide documentation of your SSA notice of award for SSDI or SSI benefits or a Benefits Planning Query ( BPQY form 2459 ) stating that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX   determination. 



3. XXXX Applicaton Status My XXXX has certified and sent the necessary paperwork
Complaint sub-issue: You never received your bill or did not know a payment was due

I bought my home last year and moved in in  XXXX   XXXX    XXXX   ). I called  Home Depot to update my my address for my credit card ( from CitiBank ). I never received my statement at the new address, and kept calling them about it. At the same time, I kept making payments from my onlin e banking. I always made payments greater than what my minimum payment was, however I just found out my account is delinquent and they will not make any adjustments because they are saying it 's my fault that my account is late. I have never been late or had issues with any of my credit cards.
Complaint sub-issue: Can't decrease my monthly payments

AES loan terms have gotten to the point of being unreasonable. Even though I have expressed trouble making the payments, they have not attempted to work with me to pay them reasonably.
Complaint sub-issue: Public record

XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.
Complaint sub-issue: Information belongs to someone else

I have never been associated with the address listed on this " XXXX XXXX XXXX XXXX '' account and have never had an XXXX XXXX XXXX account in the last 10.5 years.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX military and I see accounts showing on my profile I did not open
Complaint sub-issue: Personal information

Equifax fail to delete wrong information on my report.
Complaint sub-issue: Card opened as result of identity theft or fraud

Hello, On XX/XX/2020, I received credit cards ( in my name ) from PNC Bank and XXXX XXXX. I never held any accounts at either bank nor did I apply for any credit card with either of those banks. 

Thanks
Complaint sub-issue: Information belongs to someone else

I am requesting for Equifax to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX  I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, Equifax is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

the macys account in question MACYS ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
Complaint sub-issue: Account status

Credit Karma has XXXX open accounts for XXXX.They have both been discharged in a bankruptcy therefore they are closed.I tried 3 times to get them to fix this they have not.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Macy 's Credit has decreased my credit limit twice within the last 30days. My limit was {$800.00}. Once I paid {$200.00} in XX/XX/XXXX, my limit was decreased to {$600.00} immediately after payment. Then when I paid another {$100.00} payment in XX/XX/XXXX ( all within 30 days ) my limit has been reduced to {$500.00}. I have paid {$300.00} within 30 days and Macy 's can justify a credit reduction. As a platinum card holder, I was Always greeted as a valued customer by the live representative and even the automatic system. This does not seem or feel like I am valued when my money is taken and my limit is reduced so abruptly. 
This is also causing an adverse impact on my credit. 
I am a platinum card holder. I pay my bill. The only time I needed assistance was XX/XX/XXXX when Covid 19 first hit but Macy 's offered a deferment and I completed that arrangement. Yes, I missed 1 payment prior to the {$200.00} payment due to Transition of employment. 
I have not been notified of any decreases in writing. I am only aware of the decreases because I make my payments via phone. 
I am requesting that my limit is restored back to {$800.00}. I am very disappointed in Macy 's credit with their new practices.

Credit Limit. " Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement. The full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit '' Macys credit card agreement.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX XXXX  I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$550.00} ), Not Mine Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$120.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX Balance {$140.00} ), XXXX XXXX ( AccountNumber XXXX, Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Account information incorrect

tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Complaint sub-issue: Reporting company used your report improperly

Good morning, I have tried already to contact CBNA/ Best Buy. They have 2 Hard Pulls on my credit without my approval. They claim that they upgraded my regular best buy account to a mastercard. This required a hard pull which I NEVER approved. I called immediately when i saw on my credit and have been trying to have removed since. They refuse. I do not want to close the account to hurt my credit! XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX.
Complaint sub-issue: Information belongs to someone else

Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Complaint sub-issue: Reporting company used your report improperly

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 purpose.
Complaint sub-issue: Billing problem

Volkswagen Credit ( also known as VW Credit and XXXX XXXX , XXXX ) advertises that they have no pre-payment penalties for early payment of principal on car loans they provide. What they do not advertise is that there is no way to self-service this pre-payment ( via an online portal or webpage ) ; in fact the ONLY way to apply a pre-payment to principal at VW Credit is by calling in to their 800 number and even then, only by speaking to a live representative. This number routinely takes over 20 minutes to reach a live representative. VW Credit has proven their disregard for American laws and regulations, and now they are materially impacting the ability to pre-pay their loans by enacting systematic and process-driven blockers in an effort to drive more interest revenue ( NOTE : prior to XX/XX/XXXX overpayments were automatically applied to principal ). 


Product/Service : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Purchase Price : XXXX Payment : Partial payment made Cash Disputed Amount : XXXX Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX   Salesperson : XXXX I also attempted to create a XXXX complaint and received this response : Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against XXXX XXXX , XXXX Your complaint was assigned ID XXXX. 

We regret to inform you that the XXXX XXXX XXXX can not process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of XXXX XXXX purview. 

XXXX is a private non-profit service organization that has no legal authority over companies. We do not regulate the laws for Illinois State. You may want to contact Consumer Protection,  www.consumerfinance.gov. 

Sincerely, Your XXXX Customer Relations Advocate XXXX  Serving XXXX and XXXX Illinois P : XXXX E : XXXX XXXX