Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Public record

There is XXXX on my credit report that I feel is inaccurate in its filing. As a XXXX, I am protected under the XXXX of 2008 and therefore should not be reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for XXXX years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit and hindered my military XXXX actions. I feel as a XXXX military entity that I have forfeited my XXXX and XXXX abilities for the government and I find it unworthy for the credit reporting agencies are not being held accountable to the law. I am requesting that CFPB advocate for me in this challenge.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently looked at my credit reports and noticed the following unauthorized hard inquiries : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Having problems with customer service

I graduated in XXXX 2014 from the University XXXX after living in XXXX for 20 years, and then relocated XXXX in XXXX 2014. I updated all of my address changes, but never received any communication from my student loan debtors until yesterday when I received a phone call from a collection agency demanding payment. They want me to make XXXX monthly payments in order to get my loan out of default. I had NO idea I was in default and feel I have done due diligence in making a good faith effort to remain in compliance.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Their investigation did not fix an error on your report

i have sent several letters to Equifax on how these accounts were verified. i asked what method was used to verify and who they spoke with or what information was shared to verify. i asked them also to provide me with legal and binding agreement or contract that bears my signature, that shows that the account truly belongs to me. in addition, the child support is a personal matter and should not be reporting as a payment owed to a creditor. if they are going to report that, then they need to provide proof as the other mentioned accounts. 

1. XXXX Account XXXX : XXXX 2. XXXXXX/XX/XXXX Account Number : XXXX 3. XXXX Account Number : XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX is in XXXX XXXX, CO. It is a residential apartment complex. The debt was sold to hunter warfield. The amount the apartment said I owed is very inaccurate. I could not afford to pay XXXX XXXX rent so I surrendered my apartment VOLUNTARILY. With that being said I only owe XXXX XXXX rent and a lease break fee. The apartment was brand new and in great shape when I moved out of it, I had only lived in it for 2 months before surrendering it. The astronomical amount they said I owe is very inaccurate. I also never received itemized list of charges stating why I was hcarged what I was charged
Complaint sub-issue: Account status incorrect

The account listed as XXXX XXXX was paid for deletion on my credit. The account was paid back in XXXX XXXX XXXX insists that they sent a request for deletion to ALL three major credit bureaus on XX/XX/2021 however, it still appears on my Equifax report . I am at the closing stage of purchasing a home and this will prevent me from doing so.
Complaint sub-issue: Account terms

My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.
Complaint sub-issue: Information belongs to someone else

I have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.
Complaint sub-issue: Attempted to collect wrong amount

in regards to : Account # XXXX & Account # XXXX I am disputing the above account reference numbers and attempting to stop Progressive Management 's attempt to collect on this debt and removal of accounts reported to my credit bureau 's. These bills were for services rendered in 2012. California Law states that medical bills have a 4 year statue of limitation. This debt has reached its statue of limitations and can no longer be collected on. 


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

XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )
Complaint sub-issue: Debt was paid

I ordered vitamin supplement from a company called XXXX XXXX account XXXX. 
This item did not help me as was advertised, therefore, I returned all the unused bottles, almost a complete order. I paid for the ones I used. Since returning the unused bottles, this company turned my name and address information over to a company called National Recovery Agency ( XXXX ID # XXXX Creditor : XXXX XXXX Balance : {$42.00}. This Agency continues to send over text to my phone number XXXX. I called the XXXX XXXX company and explained that the item did not offer to my health as it was advertised and I had returned the unused bottles. I have paid the {$42.00} balance plus a fee of {$7.00} to National Recovery Agency and am waiting on a letter of receipt for that payment in my email ( XXXX ). As a consumer, I see this has a wrongful act on both companies : XXXX XXXX received the unused product back to resale and was paid in full for the used products and National Recovery Agency received {$42.00} plus {$7.00} for their continued texts and what I would call consumer harassment. The National Recovery Agency told me the product for not returnable yet I do not believe I was every told that from the XXXX XXXX XXXX. 
Appears everyone was covered but the consumer here!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE DELETED, AND EMPLOYERS THAT ARE WRONG THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Information belongs to someone else

This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

i was trying pay my credit card bill with my us bank focus card, my credit card company say XXXX XXXX say the transaction was decline as fraud why did you gus decline my trasaction saying it wasnt me, now they closing my credit account. they now requesting for you all to fax or email them who is the onwer of the account and why did the transaction decline XXXX fax number XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is my  3rd c omplaint against Equifax, my initial complaint was on  XXXX   XXXX ,    2017 ple ase see attached documentation sent with verification, I called on  XXXX   XXXX ,    2017 a t  XXXX   XXXX  and spoke with a representative regarding a tax lien on my credit report and was told that  the Lien w as removed only to get my report in the mail and it is still appearing on my credit report, I am requesting again that the tax lien be permanently removed from my report, i deputed this same item with  XXXX  and  XXXX  and the item has been removed,
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX Opened : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Uquifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according 15USC : I have the right to privacy and I did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hired merchant for house work XX/XX/XXXX. Paid 50 % ( {$1500.00} ) deposit and 50 % ( {$1500.00} ) after completion of work with XXXX anywhere Citi visa. Few weeks later ( early XXXX ) we noticed the merchant did not resolve the issue they were hired to do and in fact worsened the condition of our home. Went back to merchant and asked for money back so they we could hire another company to re-do the work. Company offered only a 50 % refund for the issue and would only make monthly installment payments over the course of 1 year. As we didnt feel this was a fair solution to the consumer, we contacted Citibank to dispute the initial charges. 

Citi initially issued conditional credit for both the charges. They reached out to merchant, weeks later the merchant provided response and Citi immediately reversed the credit they had granted on our account. When I contacted Citi,  they stated that whenever merchant provides response, they consider the issue resolved but will go back to merchant again if you provide additional paperwork. I then submitted their requested information ( XX/XX/XXXX ) and waited a few weeks to hear back again. Eventually, the merchant responded back again and Citi agreed to credit back one of the charges. I then again reached out to Citi to ask about the status of the secondary charge since it looks like they agreed that funds were due back to consumer as the merchant didnt perform hired service ; and I asked if any additional information was needed from my end to close the dispute. Citi agent stated they had everything and that they were waiting to hear back from visa. I called a second time and said that a resolution should be issued soon. About a week letter I received email that the second claim was denied due to not receiving requested documents. I called Citi once again and asked about it. The agent confirmed they had the documents in file and then noted that one document was missing a signature. She suggested that I scan get document to Citi immediately and explain the situation. I sent the email as requested that same day ( XX/XX/XXXX ). A week later, I got another email that the claim was still denied and that they couldnt do anything because the date had passed. 

The reason for this complaint is for the following reasons : 1 ) the merchant didnt perform job as hired which entitles consumer the funds back 2 ) Citi acknowledges that they agree with this states in that they credited back half of the charge but failed to credit back the second half 3 ) consumer ( myself ) provided documents as requested and followed up with Citi several times and was assured that they had everything they needed in order to process dispute and wasnt made aware of missing signature until after Citis documentation deadline 4 ) overall Citi failed to protect consumer against dishonorable company. 

**images, email communications with Citi and merchant can all be provided upon request.
Complaint sub-issue: Trouble using the card to pay a bill

For the third time now, my relia card has had my funds frozen, and am not able to do anything with my money. From XXXX XXXX, the card was locked, even tho they stil accepted my funds they where only frozen from me being able to use them at all. My ID, tax papers and social security card where requested, I faxed and uploaded them. Again on XX/XX/XXXX to the XXXX, my card was once again locked, only from me being able to do anything with my money, again, they still accepted my money on the card. I again spent murmurous hours on the phone, told something different by every person I talked to, I filed several complaints with the better business burrow and even recieved a letter stating sorry for the inconvenience and I should be able to access my funds. On XX/XX/XXXX, I had to do an identity verification with my ID and a selfie, I recieved a text unlocking my account, and hours later it was again locked! This is crazy and rediculous! I have proven I am who the card is issued to! I have a new account at XXXX for my benefits every week, I really just want to transfer the remaining XXXX XXXX left on the usbank relia card transferred to my XXXX account! My ID is expired, In the state of Ohio we are in a state of emergency, and My ID is acceptable till XX/XX/2020. I would like to get a new ID its kinda hard with my funds being held from me! I have sent in my photo ID, it is the exact same ID I just used in XXXX to get my unemployed claim, if the state of Ohio can accept it, and relia card has on XXXX different occasions, it should be able to be used! I was never asked for a copy of my ID befor I got the card and befor they started taking my money! Why is it that they can atilll accept my money only to hold it from me in my Time if need!! Please help me
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today, XX/XX/2020 my Equifax score drop 50 points from XXXX to XXXX and the only change from last month was that a hard inquiry dropped off my report. I called Equifax and discussed my concern, the representative could not provide any reasoning as to why this happened. He stated is all part of their calculations and algorithm. This is mind boggling and very frustrating, I cant even get specific answers as why my score dropped significantly. A inquiry falling off your report is a beneficial thing. Please help me, Im trying to buy a house and this unfair, and Equifax can not provide me any details and say its not disputable cause its their algorithm. I feel so helpless after working so hard to get my score up to obtain a mortgage loan, and to have this happen, I feel depleted and hurt.
Complaint sub-issue: Debt was result of identity theft

I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this fraudulent account remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notified all three credit bureaus to remove the XXXX XXXX collection from my credit report. XXXX XXXX and XXXX complied however Equifax took no action. I contacted the collection company and was told by their compliance department that they did in fact submit the change to Equifax. In an effort to correct this mistake I called Equifax and they informed me that they never received the instruction from the collection company. I submitted not one but two disputes to clear this off of my credit report and to date no action has been taken. Please have Equifax remove this from my credit report as soon as possible. Without the removal of this item, I may face homelessness.
Complaint sub-issue: Reporting company used your report improperly

My and my wife 's information was involved in the Equifax Security Breach. We have taken steps to place a 90 day fraud alert from the website. I 'm still concerned that our identities have been put at risk and have opened up opportunities for identity fraud. We are extremely careful with whom we do business and take exhaustive steps to keep our information private and secure. This is an inexcusable injustice as the ONLY job that Equifax has, in my opinion, is to keep our personal information secure.
Complaint sub-issue: Information belongs to someone else

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CITI XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CITI XXXX
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XXXXXXXX # XXXX, XXXX # XXXX has violated my rights.

15 U.S.C 1681 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Frequent or repeated calls

Allied Interstate called multiple times a day but would not disclose the nature of the call or refuse to let me know the purpose of the call. They asked for the owner of the company and have they done their research, we are a corporation with a parent company in XXXX. 

These people will not stop calling and was really pushy after repeatedly being asked for details of the call.
Complaint sub-issue: Information belongs to someone else

I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and Equifax. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 3 charge off accounts deleted across all XXXX credit bureaus for InaccuraciesXXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 2 collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX XXXXXXXX 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 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: Information belongs to someone else

i pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed