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

Hi I am submitting this XXXX XXXX without 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 719XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Investigation took more than 30 days

On XXXX, at XXXX XXXX XXXX I called Equifax and spoke to XXXX regarding the unresolved dispute I mailed on XX/XX/2021 to have Equifax remove hard inquiries that were not requested by me. I have yet to receive a resolution and advised XXXX I filed a complaint with the Consumer Finance Protection Bureau ( CFPB Complaint ID XXXX ). XXXX stated that Equifax will not investigate the inquiries and that I have to conduct my own investigation by contacting the company myself. I contacted them and was advised Equifax is responsible for reporting accurate information on my credit report. I feel these accounts are adversely affecting my credit report and I do not recall requesting any of these inquiries. I need this problem fixed asap. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days and Equifax is refusing to investigate this so these items should be deleted immediately. If these items are not removed immediately I will have no choice but to file litigation.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX XXXX - Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX / XXXX - Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 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 convictions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Received bad information about my loan

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to Great Lakes Higher Education. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly.
Complaint sub-issue: Problem getting my free annual report

LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. 
I have called them about it and they told me they would mail me a copy, but nothing has come.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Bank : CITI Payment made : XXXX XXXX on XXXX XX/XX/XXXX CREDIT CARD XXXX  XXXX  postponed my trip on XX/XX/XXXX due to Covid travel restrictions. 

*Please see the email sent by XXXX XXXX postponing my trip - XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. 

I attempted to open up a chargeback dispute on XX/XX/XXXX using the Chargeback code XXXX for credit Merchandise services not received. 

I have been waiting for 12 months and have filed 3 dispute inquiries and Citi has refused to open up the dispute on the basis that The Merchant is not willing to refund Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. The merchant - XXXX XXXX XXXX has ceased trading. 

See Companies House as evidence that XXXX XXXX is about to be liquidated : XXXXXXXX XXXX XXXXXXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. 
In my case this should be my refund credit note which was due to expire on XX/XX/XXXX. 
It was made clear to me that if I didnt use the note by this date, I would be fully refunded. 

They may also use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX XXXX as I first tried to open the dispute on XX/XX/XXXX Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday. 

I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.

*I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. 

*Please see the XXXX XXXX XXXX relevant to my booking that clearly shows that insurance was in place for XXXX  customers only I would like CITI to open my dispute and refund me, in accordance with the Fair Credit Billing Act. 

Thank you XXXX XXXX
Complaint sub-issue: Account status incorrect

Discover is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from Discover. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Complaint sub-issue: Their investigation did not fix an error on your report

I setup XXXX internet for my apartment XX/XX/XXXX and XXXX XXXX pulled two hard pull credit reports on me, ( XX/XX/XXXX and XX/XX/XXXX ). 

I submitted to Equifax online for them to fix it. They never did do anything. I called them several times, they said it is XXXX XXXX problem. I called XXXX several times, and they also said it is Equifax 's problem. However, I somehow got hold of one lady at XXXX, XXXX XXXX, her number, XXXX ext XXXX. She said she submitted to Equifax to remove the report. It had been over two months, and Equifax still does not want to do anything.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$8700.00} DPT ED/XXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$9300.00} XXXX XXXX {$99.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Factual Data has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Complaint sub-issue: Public record

Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX
Complaint sub-issue: Trouble with how payments are being handled

Through the XXXX XXXX personal account auto-pay bill payment system I had been paying on my {$25000.00} XXXX XXXX student loan for many, many years. IN XX/XX/XXXXI PAID OFF THE LOAN. I had been paying XXXX XXXX for many years before the loan was sold to Citibank ( when exactly I am unsure ) and in XX/XX/XXXX, Citibank has stated it sold the loan back to XXXX XXXX, as Citibank no longer handled student loans. Unfortunately, I forgot to turn off the auto payments going to Citibank. Thus, in XX/XX/XXXX I contacted XXXX XXXX to alert them of this fact and found that they had record of the payments to both XXXX XXXX and Citibank. Citibank only rejected payments starting in XX/XX/XXXX until XX/XX/XXXX. Citibank received payments all of XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX started receiving money from XXXX XXXX between XX/XX/XXXX until XX/XX/XXXX, without rejections. When I contacted Citibank and XXXX XXXX, both companies stated they had returned the overpayments to XXXX XXXX late XX/XX/XXXX, Citibank did send me two refund checks in the mail, though not stating which months they were crediting. On XX/XX/XXXX I and a representative of XXXX XXXX contacted Citibank ( XXXX ), and proof of overpayments payments were sent to Citibank ( XXXX ), as they requested. As of XX/XX/XXXX no funds have been returned into my XXXX XXXX account from Citibank ( XXXX ) or XXXX XXXX, and I and a XXXX XXXX representative were hung up on when we were speaking to a Citibank ( XXXX ) representative on that day. As well as I can calculate, with {$250.00} being paid each month since the pay-off in XX/XX/XXXX( which exact month I am unsure ), over a five year period, I am owed at the least {$15000.00} and at most {$18000.00} from Citibank and XXXX XXXX combined.
Complaint sub-issue: Didn't receive notice of right to dispute

Citi-corp has sent a garnishment to my employer for some carpet that was purchased over ten years ago that was not in both my name and my ex husband name, XXXX XXXX XXXX never received any paperwork or anything from this creditor. This account is not on any of my credit reports. How can they garnish my wages when ive never received anything from them for court. Thank you in advance for helping me resolve this matter.
Complaint sub-issue: Other problem getting your report or credit score

My FICO score has been very high ( between XXXX and XXXX for the past 12 months ) so I was surprised to hear of my bad credit report/score from XXXX XXXX XXXX that SageStream provided. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that due to the bad credit report/score provided by SageStream I would be required to make a {$100.00} deposit to open add an account to my partner 's existing account. The letter stated that I had 30 days to request a copy of my report/score from SageStream. That same day, we both went online and requested our report/score -- we also froze my credit with many of the credit reporting agencies. I waited 30 days and had not received the report/score. On XX/XX/XXXX, I called the number for SageStream and left a voice mail ( since all operators were busy and the recording stated my call would be returned within 24 hours ). I waited the 24 hours and left another message on XX/XX/XXXX ( the same recorded message played and I left the same message ). The company has been non-responsive and hides behind recorded messages.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my Citibank XXXX XXXX Visa. 

When calling Citibank customer service, no one could give me any information over the phone and I was instructed to write a letter to Citibank to obtain the reason why they closed my accounts. In addition, I received letters from Citibank stating that I may request a statement for specific reasons for the action taken to close my accounts in writing. Per the letters, upon receipt of my request Citibank stated that they would send me information in writing within 30 days. 

On XXXX, XXXX, I separately sent letters XXXX letters to Citibank requesting information about the XXXX   accounts and on XX/XX/XXXX, I sent a letter requesting information about the XXXX XXXX Visa account. 

After 30 days, I never received a response. 

On XX/XX/XXXX, I send a letter via certified mail requesting this information again and I still have not received any information. Per the U.S. postal tracking system, Citibank received the letters on XX/XX/XXXX. 

My credit score is exceptional and I was never was late or missed any payments. 

Additionally, based on my discussion with Citibank customer service agent, by Citibank closing my account with no logical explanation and without any notice, my XXXX cash rewards funds were forfeited by their unilateral actions. I consider this action to be both unethical and without merit. I have demanded that my XXXX cash rewards amounts in excess of {$1600.00} be remitted to me immediately. I have been using the XXXX card for many years and have never been late on any payment and have paid my balance in full every month. My card and the card in my wifes name was being used for substantially all of our purchases on a daily basis and we use this card almost exclusively to earn this cash rewards rebate..
Complaint sub-issue: Their investigation did not fix an error on your report

There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % correct.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was denied for an apartment today due to a debt owed to XXXX XXXX. I reached out to Hunter Warfield in an attempt to resolve the debt owed and was treated with disrespect as well as unprofessionalism. I spoke with a woman who was quick to speak slow to listen. She then transferred me to her Manager XXXX XXXX who was confrontational, argumentative, disrespectful and unprofessional to say the least. I explained to them both I was willing to pay {$600.00} on a debt that is about to reach statute of limitations. They offered {$1100.00} I countered with {$800.00}. Just seems to me they aren't willing to negotiate with you to resolve the case due to their kickbacks for collecting the debt. XXXX overly aggressive with his tone even after I asked if he could please lower his voice and adjust his tone. This debt has haunted me for almost 5 years and doesn't show anywhere on my credit reports however whenever I apply for housing this is the reason I am denied. I am a single mom with three kids trying to do the right thing on a debt that has shared responsibility with another person however I am the only person being penalized.
Complaint sub-issue: Received bad information about my loan

I consolidated my student loans along with XXXX small Parent Plus loans. In the consolidation loan application I marked that I wanted and Income Driven Repayment and more specifically an Income Based Repayment. The online system allowed me to check off " Income Based Repayment. '' However, because I consolidated Parent Plus loans in with my student loans I was n't eligible for and " Income Based Repayment. '' The online system should not have allowed me to check off the option - " Income Based Repayment. '' Furthermore, I did not receive my estimated payment amount in time for me to even cancel the consolidation loan. This seems like Deceptive Trade Practices to me. First, the online consolidation system allows a borrower to check " Income Based Repayment '' and then FedLoans does n't get the monthly estimated payment to the borrower until after the ability to cancel the loan has passed. Mortgage and consumer lenders are bound by law to provide " Right of Recision 's '' and " Good Faith Estimates '' so that the borrower can insure that they can afford the payment. Why is n't FedLoan Servicing held to this same standard? I can not afford the Income Contingent Repayment that FedLoan provided to me and now they are telling me I have no other option.
Complaint sub-issue: Investigation took more than 30 days

Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and Equifax did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how XXXX, XXXX, and Equifax are violating my rights.
Complaint sub-issue: Didn't receive enough information to verify debt

I previously disputed an alleged collection debt with a debt collection company by the name of General Reveune Corporation on XX/XX/XXXX. It was then removed from my credit report on XX/XX/XXXX. The debt collector illegally added the alleged debt back to my credit XXXX, XXXX  and XXXX  report on XXXX XXXX XXXX The debt collector failed to provide me with a dunning letter within 5 business days that it was reinserted back on my credit report. This is a violation of Fair Credit Reporting Act 611 ( 2 ) ( A ). I would like this account PERMANENTLY deleted from my XXXX, XXXX  and XXXX  credit reports immediately.
Complaint sub-issue: Information is not mine

tried to update and remove incorrect addresses from equinox credit report. my requested changes do not get incorporated and feedback is cryptic and not understandable. 
specifically, i 've never lived on XXXX in XXXX in my life!!!!
Complaint sub-issue: Account status incorrect

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XX/XX/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 XX/XX/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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I had a joint auto lease through VW Credit , Inc. with my husband that ended in 2017. The lease shows on both of our credit reports with XXXX  a balance of {$17000.00}. The other credit reporting agencies show the account properly with an {$0.00} balance. I have reached out multiple times to VW with a promise of an resolution & to this day nothing has been resolved.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX an ATM withdrawal was done without my ATM, {$500.00} Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX same Cash Withdrawal XX/XX/03 XXXX # XXXX {$300.00} Non Citi ATM XXXX XXXX XXXX I went to Citibank branch to file a claim and to have my atm replaced. Only few days later, I got a letter stating that both transactions were good. I filed a police report and went back to the branch, to show police report and to ask for evidence to come up with that decision, I have not use my ATM and those were not my transactions. Citibank should be responsible for this fraud. 

What proof do you have it was not fraud? 

I am asserting my rights under the Electronic Fund Transfer Act which says I can not be held liable for more than XXXX dollars. Are they intending to violate this act by not returning the lost money you are not liable for?