Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX  once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!
Complaint sub-issue: Information belongs to someone else

The is an account on my credit XXXX XXXX and it was closed now they have reopened it. I would like it removed from my XXXX XXXX credit report
Complaint sub-issue: Keep getting calls about your loan

Sallie Mae called third parties that had nothing to do with the loan and was not on the loan paperwork. My spouces ex wife and their children, etc.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to Equifax and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to Equifax to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Complaint sub-issue: Was not notified of investigation status or results

I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed over {$20000.00} worth of fraudulent charges on my credit card with Citi Bank. I immediately contacted Citi to report the fraud. The charges were made on XX/XX/XXXX and I reported on XX/XX/XXXX. I closed my card and they issued a new card. 
The charges were made to XXXX XXXX and XXXX XXXX XXXX XXXX. I did not receive any fraud alerts from Citi nor any calls to approve these transactions. 
Citi refuses to provide provisional credit. They state they do not have to provide provisional credit for fraud disputes. My card is at it's limit and I can not use my card. 
It is my understanding that Reg E requires them to issue provisional credit with in 10 business days of notification. Their response is that they do not provide credit until after the 60 day review period. 
I am being denied access to my credit card usage because I am over my card limit because of these charges. My credit score will also be adversely impacted because of the high amount of unsecured debt.

I have called Citi several times a week and have answered all of their questions including on XX/XX/XXXX and XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I am enrolled in the Pay as you earn plan through XXXX and also in the Public Service Loan Forgiveness Plan. I have been in this program since XXXX and have renewed it the same way every year- with the application, check stubs, and my W-2. This year I turned the application and supporting documents in on time. On XX/XX/XXXX I received a letter stating I also need to turn in my 1040 which was sent in on XX/XX/XXXX. I received a letter on XX/XX/XXXX that said I have been approved and to continue making my normal monthly payment ( {$39.00} ) until XXXX and then the amount would increase to {$46.00}. I made that payment on XX/XX/XXXX but saw the amount that was due is {$240.00}. I thought this was just a lag in the system and things would catch up since my paperwork was still being processed. I received texts and emails stating I was overdue on my payment and still owed the {$240.00}. I called on XX/XX/XXXX and spoke to 4 different people including the supervisor at XXXX. They said the letter was from XX/XX/XXXX and that turning my 1040 in on XX/XX/XXXX was more than the 10 days late that they allowed. The letter I have in my paperless inbox is dated XX/XX/XXXX and turning the letter in on XX/XX/XXXX is less than 10 days from that date. She said that the bill came out while my paperwork was being processed and there is no way this can be changed to the normal monthly payment of {$39.00}. I asked why they are unable to change this since the paperwork has been processed and was turned in on time. I was repeatedly told that my paperwork was turned in late and it should have been turned in earlier. I asked why I need my 1040 this year and they said because I checked the box that said to include my taxes. I have looks at my other applications and this box has been checked on those and I have never had to do this. I have only needed check stubs and my W-2. Everything was turned in on time. Since I have been told there is nothing they can do about this and this is the amount due, they told me to do a forbearance. I can not afford this payment which is why I am in the Pay As You Earn Plan. I have XXXX XXXX, a mortgage, bills, and limited income. The customer service I received was terrible. I did everything I was asked, turned everything in on time and because it took almost a month to process the paperwork, I was stuck with this amount and had no choice but to do a forbearance for this month.
Complaint sub-issue: Information is missing that should be on the report

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} B XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}
Complaint sub-issue: Debt is not yours

Jefferson Capital has been trying to collect a debt that is not mine I do not know this debt they have been doing this for 25 years it was through XXXX telephone company I do not recognize the address the way they spelled my name was wrong and they had the wrong phone number I do not recognize the phone number that was dealt with this account or the name the way they spell my name is totally wrong they have the wrong last name misspelled every time I dispute this they put it back on my credit report if this has kept me from getting the home for the last 5 years
Complaint sub-issue: Attempted to collect wrong amount

This company called my job letting another co-worker know personal information on me and the guy on the phone XXXX was very nasty and rude as well He called stating that I owe this apartments complex when the case went before the judge and was dismissed we were let out of the lease and also there were no plumbing issues that we caused the apartments had issues way before we moved there that 's one of the reason why we moved out we have a paper from the inspectors saying that we were not at fault of the plumbing issues and also the blinds were broken when the stray bullet came in on XX/XX/XXXX and they didnt fix the wall or the window until XX/XX/XXXX we took them to court we also had a inspectors there upon move out and saw the apartment was cleaned we also have court papers signed by the judge saying the case was dismissed. We also have pictures and live videos of how the apartments was left cleaned. We will take this company to court because this I wrong we do not owe this amount after living there with the mold and mildew, leaks, plumbing issues and also my XXXX XXXX XXXX grandson was there when a stray bullet came in and hit my XXXX painting that They never replaced they still trying to hurt us. We have already been through enough. So we will go back to court XXXX XXXX stated that this case is no longer there 's that it belongs to the collection agency. A rude guy called my job would n't let me talk I got written up for personal phone call I called the guy back and he yelled at me was very rude and disrespectful and hung up on me when I was trying to ask a question about the case so Yes we will be taking this back to court only now the collection agency are the one that XXXX XXXX says we have to go after because the collection agency now owes the case. We will be faxing all the information that 's the judge signed at court I also called the court house and they stated that the information on the fees etc that the judge signed off on was the same as mine so we dont know where XXXX came from we had an inspectors there from the city When we moved and we have live videos and pictures XXXX XXXX is only trying to get us back from calling the inspectors code inforcements thats all so please explain these charges and show proof because we have a signed form by an inspectors and the judge signed us out of the lease she dismissed the case and also we have live videos and pictures of how the place was left and also 2 prior tenants can testify with work orders proof of the plumbing issues we also have the work orders from the first week we moved in and had plumbing issues and the paper that we filled out when we moved in stating all the things that e wrong that they never fixed and also 3 neighbors as witness as well
Complaint sub-issue: Their investigation did not fix an error on your report

Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.
Complaint sub-issue: Information belongs to someone else

These agencies are reporting fraudulent information because they obtained these by, or involving deception, especially criminal deception. Also the data they are reporting is not accurate, outdated and untrue. Please remove these immediately
Complaint sub-issue: Card was charged for something you did not purchase with the card

The following are the four fraudulent credit card purchases made to businesses in the XXXX, PA area on the dates as noted : ( 1 ) XX/XX/2019, XXXX XXXX ( {$2500.00} ) ; ( 2 ) XX/XX/2019, XXXX XXXX ( {$2700.00} ) ; ( 3 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ) ; and ( 4 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ). I did not make these purchases, nor did I authorize anyone to make these purchases, which totaled {$6000.00}. Upon receiving my credit card statement on XX/XX/2019, I phoned Citibank, spoked to their rep, XXXX, and informed her of the fraudulent purchases. During the Citibank investigation, the investigator ( XXXX ) said that the two purchases made on XX/XX/2019, were made on my home landline phone and that I would have to provide an official transcript from my phone carrier showing all calls made on that date. When I submitted the requested phone records to Citi on XX/XX/2019 showing no calls were made to that business, I thought the dispute would be decided in my favor. But, without merit, Citibank has notified all three credit reporting agencies that I owe the full amount of {$6000.00}.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$65.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} 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: Didn't receive notice of right to dispute

I didnt receive a copy of the original debt or a notification from the debt collector in regards to this balance owed. So there was no opportunity to pay or dispute this debt.
Complaint sub-issue: Frequent or repeated calls

So today on XX/XX/2019 I received three phone calls from XXXX. The first call came in at XXXX however, I did not answer it because I was nor familiar with the number. Then I receicved a call around XXXX so I thought to myself let me answer this because when I received the first call I never received a message. I answered the call and I could barely hear what the lady was saying, then she asked me to verify my address and etc and I told her no. This was because she called me and I was unclear where she was calling from. She then said I told you who I am..I 'm so  and so with Flagship. So I told her again that she called me and that I was not giving her my information and that I would call them back directly to verify who I was so started saying so you'r not going to verify your information..Needless to say I hung up in her and headed back into work. Then I received another call from the same number at XXXX. I did not answer this call but I was thinking I already told the lady I woud call back.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Equifax credit report and significantly impacting my credit score in highly negative fashion. I understand that Equifax is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Complaint sub-issue: Investigation took more than 30 days

this company keep reporting wrong information on my credit report and is affecting me. 
also is not taking the investigations seriously. 
see ATTACHED
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Complaint sub-issue: Investigation took more than 30 days

I sent sent a letter on XX/XX/XXXX To Equifax, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 and reseller
Complaint sub-issue: Information belongs to someone else

Never left from my original home. Im not certain why i have this balance. Please help.
Complaint sub-issue: Information is not mine

I have called Equifax numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XX/XX/2016 and XX/XX/2016 by certified mail. All investigations returned back to me case closed with no signed evidence that I applied for the credit. I have also sent a certified, notarized letter to Equifax on XX/XX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX. This will be my 3rd certified letter over 5 months trying to get this matter resolved. There has been a fraud alert placed on my report due to the invalid inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Had a credit check done by Citibank Na/XXXX. I have had a home depot card for years there is no balance why would they do a hard check on me?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have 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