Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have two recent inquires one from XX/XX/2021 and one from XX/XX/2021 from a place called CBNA. This was not done nor authorized by me. When I XXXX  this place, its states this place is in New York, I'm in XXXX XXXX, there's nothing this company can do for me. Also, when I called XXXX when I noticed the first inquiry they said this was a credit card inquiry. I have a bank as well as a bank card, if I wanted a credit card I would just go through my bank, I wouldn't even go through the trouble of going somewhere else, let alone applying twice within 2 weeks of the first time. That's just nonsense. A few years ago I filed a police report for identity thief and if needed I can do it again for this. I have been working really hard on my credit and the last thing I need is false / fraudulent information on my report. I would've contacted CBNA but honestly I don't even know where to start, or what to say. What do you say to a company you've never spoke too? However, I will do what needs to be done to get this removed.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XXXX XXXX called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm
Complaint sub-issue: Received bad information about my loan

My son borrowed money for his college tuition and I was the co-signer. It was our understanding that I could be released as a co-borrower after a XXXX years on time payments and my sons credit worthiness. After he graduated he accepted the loan company 's offer to postpone the payments for a few months so that he could get employed. He accepted, but by doing so, I found out that due to that, I will NEVER be released from the loan as a co-borrower. I feel that this is deceptive lending practices, evil, mean spirited and just plain wrong. His credit rating is great. He has never missed XXXX payment nor been late for several years but still, I am like a fish on a hook. Stuck! One of the " selling '' features of this particular lender was the agreement that I could be released from the loan. They should be ashamed,
Complaint sub-issue: Was not notified of investigation status or results

file a dispute on XX/XX/2021 with XXXX, XXXX and Equifax about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.
Complaint sub-issue: Debt was paid

Payment History Information is Incorrect. 

I have currently TWO missed payments for my student loans but I indeed made those payments on the website. 

My account has an auto debit on the account and unfortunately there website had lot 's of issues with not charging my bank account. 

I made a payment with a confirmation email and everything but weeks later it still showed I missed such & such amount of days until they reported it to the credit company. 

I have made EVERY payment every month but for some reason on XXXX, it shows I was late which is wrong. 

I have called the student loan company and they said this was forsure there fault and error but I haven't still heard back from them. 

Below I will show screenshots of all my payments made except for that one month.
Complaint sub-issue: Information is incorrect

Three hard inquiries on the same bank in the same week, this I am sure is against the FCRA, I will look into this, this is unacceptable, please remove these duplicates from my Equifax report, I am going through CFPB because when I call to asked they act like its no big deal and further more looks bad for my report so please remove them
Complaint sub-issue: Company closed your account

For the past nearly 10 years, every 2-3 years or so, some nameless, faceless, individual ( s ) located deep within the underwriting/risk department of one of the major banks where I have my XXXX XXXX bank accounts abruptly and without warning, closes my accounts completely, and then have completely banned/blocked me from banking there in the future, ever again. They always state that due to some such and such reason and because they simply can, they just do. This has led to untold misery, instability, chaos, disruption, and untold damages to my XXXX XXXX XXXX, my family, and my children. After my own investigations, it has always involved someone with an axe to grind against me, a very secretive and clandestine individual ( s ) with a great deal of power, who takes pleasure in pulling out the rug from under me, possibly a XXXX or a XXXX person, or someone else who does not like me for political reasons. This has now happened at the following banks, in recent succession, from last to the first, according to my best recollection and memory ( which may be flawed ). Please urgently investigate and advise, as this has got to be unethical, if not illegal : ( 1 ) CitiBank ; ( 2 ) XXXX ; ( 3 ) XXXX XXXX ; ( 4 ) XXXX XXXX XXXXXXXX ; ( 5 ) XXXX XXXX XXXX XXXX  ; possibly others. This last time, at CitiBank, right after they approved a mortgage for our new house, they not only cancelled/closed my XXXX XXXX bank account which I have had for a little over 2 years, but also my little baby XXXX starting bank account ( hes only XXXX years old ) and my new XXXX wife XXXX bank account as she just got her social security number and work authorization card. In short, my entire family ( even my little baby son ) is getting harassed, punished, XXXX and attacked just for being my wife and child. This is unacceptable, and needs to be investigated urgently and immediately. This is especially strange since I know many people, law firm and business owners who have had the same bank account for 10, 20, 30 even 50 years, without this type of harassment. Please urgently investigate and advise.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I received an email from the Department of Education saying that under the Limited PSLF waiver, my consolidation loan 's payment count should " go up by at least 3 qualifying payments. '' On XX/XX/XXXX FedLoan servicing sent me a letter saying that they have updated my payment count and it " includes any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' However, the updated payment count only reflects the update from my most recent employment certification and does not include the " at least 3 '' waiver qualifying payments DOE emailed me about. 

This communication is misleading about whether they have done anything to reconcile their records with DOE 's records with respect to my personal account.
Complaint sub-issue: Account status incorrect

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX  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
Complaint sub-issue: Their investigation did not fix an error on your report

Upon securing an updated copy of my Credit Report from XXXX, I hurriedly checked the accounts which I previously disputed and realized that the Accounts were never corrected. I am frustrated by this and it disappoints me seeing the Credit Bureaus having no assertion about the status of the disputed accounts on my Credit File. The Credit Bureaus are given ample amount of time to conduct their investigation and correct the disputed accounts and yet they have failed to do so. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}, and XXXX XXXX XXXX XXXX : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Mortgage provide r Seterus Date of last activity incorrect Balance reported {$160000.00} should be {$150000.00} Scheduled payment should have always been {$940.00} Amount past due of {$2800.00} should b e  XXXX  60 to 89 days past due, is incorrect. Everything paid on time
Complaint sub-issue: Account status incorrect

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 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 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 To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Sincerely yours, _________________________________________ XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from XXXX and Equifax and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Complaint sub-issue: Didn't receive enough information to verify debt

Sent AFNI a certified notification to verify the debt they claimed I owed, and they never responded to the letter.
Complaint sub-issue: Investigation took more than 30 days

Equifax and XXXX has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

Equifax has accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

XXXX  has a XXXX  XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

You Guys Are Showing Up On My Credit Report As A Repossession But Law Once You Sell The Car By Law You Have To Remove Repossess From Credit Report
Complaint sub-issue: Account status incorrect

I have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX/XXXX, XX/XX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have contacted Equifax numerous times. There is an address on my report that is not mine from XXXX. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to XXXX. They also have a charge from a creditor from a XXXX XXXX XXXX XXXX that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again TWICE one my credit report. 1. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is one from XXXXXXXX XXXX XXXX! Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called 17 times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!
Complaint sub-issue: Information is not mine

I am disputing account number XXXXXXXX with XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2019 Ordered online 4 items for Pickup at store picked up XX/XX/2019 XX/XX/2019 Ordered Online XXXX XXXX XXXX XXXX for Pickup at store XX/XX/2019 XXXX delivered package, no one at home, left package at door returned from work at XXXX no package at door XX/XX/2019 called store, " when can I come for pickup '' Store, " package delivered on XX/XX/2019 '' Package 'missing/stolen '
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi cards did not provide us any appeal documentation or proof of their dispute resolution reasoning. They failed to properly adjunct a dispute with overwhelming proof that we did not receive a service as expected and the product was defective. We provided evidence that supported mis-advertisement to Citi. We also provided proof that we had to purchase the same product from another vendor, because the merchant we had the dispute with on our Citi card was terribly inaccurate and fraudulent. 

-The merchant was offered an opportunity to correct his work and provide the service as advertised, which included providing documentation of comparable vehicle values and correcting errors in his report. He did not correct the errors, did not provide supporting documentation as advertised, and valued our vehicle less than an industry standard market price in spite of providing purchase price documentation. Citi was made aware of this with complete documentation. 

Rather than reversing the dispute Citi asked me to get a refund letter or agreement from the merchant. Obviously, the merchant was refusing to do this in the first place, hence why we had to proceed with the dispute and invoke our protections under the card member agreement for mis-advertised service, a unusable document/work product ( due to errors the merchant refused to correct ), and unethical practices that included no signed credit card authorization receipt by the merchant and citi cards accepting the transaction without properly signed authorization. As you will note, there is no document in the file that indicates I signed for payment on this specific credit card following receipt of this merchants product. I would have refused to pay until he delivered the product that we ordered and signed for. Please review our response for a detailed explanation in the attached documentation titled " evidence letter 2 & evidence letter 3 ''.
Complaint sub-issue: Information belongs to someone else

I HAVE NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.
Complaint sub-issue: Debt was paid

I contacted Jefferson Capital Systems to settle a debt I had with XXXX XXXX  We verbally agreed upon settling for half the owed amount ( {$500.00} ). I gave them my debit card information and was charged {$250.00}. Great. Problem solved. Tuesday, I received a letter in the mail from a new debt collector requesting to settle a balance from Jefferson Capital Systems of {$250.00}. I feel like they sold a settled debt.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Complaint sub-issue: Information belongs to someone else

I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX XXXX XXXX XXXX Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Complaint sub-issue: Confusing or misleading advertising about the credit card

My credit was pulled without authorization by CBNAXXXX and there is no contact information available. Again, I did not authorize this action. 

Thank you!
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was checking my credit report because I'm in the process of buying a house when I found out two days ago. The collection company 's name is AR Resources Inc, and the original creditor is XXXX XXXX XXXX. I have no idea who these people are. They are charging me {$750.00}. They reported the inaccurate and fraudulent debt to the credit bureau agencies. They requested a filed report from CFPB to delete the items. 
Please advise
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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