Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

At the same time I was receiving numerous strange credit confirmation emails and phone calls, XXXX notified me that my credit score, obtained from Equifax, suddenly dropped from XXXX to XXXX on XXXX XXXX. I immediately went to XXXX to get a free copy of my Equifax credit report, but the several questions it asked online to verify my identity often didn't apply or applied to periods so far back I could not recall answers with certainty. It asked for a mobile phone number and tried to send me a text. Problem : I don't text and the only phone I use is a lined telephone, which is the phone number I entered! I became especially concerned because XXXX Equifax online questions inquired about an auto lease. I NEVER had an auto lease in my life! I called Equifax and went through a long automated system before I finally got to an agent who started to ask me personal questions to verify my identity -- only to turn me over to another automated system that had me evaluate the agent. 

Thus, my problem was never resolved and I fear somebody might have stolen my identity!!!!!!!!!!!!!!!! 

If my identity hasn't been stolen, the only credit changes I made in the last year are XXXX ) I forgot I had an alert on my credit file due to prior breaches and tried to open a XXXXXXXX XXXX credit card in XXXX to take advantage of a discount on a single item -- only to receive an adverse action letter due to my credit alert. I still received the discount. XXXX ) My husband and I stopped using our XXXX credit card when it changed banks. XXXX ) I opened a XXXX credit card account -- for the sole purpose of taking advantage of a 30 % or so discount on a single purchase around XXXX. I never even activated that account! 

Certainly those changes don't seem to merit a near XXXX drop in a credit score!!!!
Complaint sub-issue: Account status incorrect

on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681, section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem with statement of dispute

I HAVE DISPUTED WITH EQUIFAX CREDIT BUREAU REGARDING A COLLECTION AGENCY NOT UPDATING MY REPORT DUE TO BEING NO LONGER LIABLE AND BEING SATISFIED. THE CREDIT BUREAU DID AN INVESTIGATION THAT WAS VERY POOR. THE CREDIT BUREAU ALWAYS GOES WITH WHAT EVER THESE AGENCIES SAY AND NOT DO A THOROUGH INVESTIGATION. I FILLED THE SAME DISPUTE WITH   XXXX   AND IT WAS REMOVED DUE TO A THROUGH INVESTIGATION WITH HAVING ALL THE FACTS NOT JUST BELIEVING THE COLLECTION AGENCY. COLLECTION AGENCIES DO LIE AND SHOULD BE REPRIMANDED TO THE FULL EXTENT.
Complaint sub-issue: Account status incorrect

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, PHEAA is reporting numerous accounts in my name as collection/charge off. I have contacted PHEAA numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX  ), and they refuse to delete the item because PHEAA responds to the dispute by stating that the loans are verified and accurate.
Complaint sub-issue: Information is not mine

I have been disputing information on my Equifax credit report for the last nine months. I was a victim of credit fraud with several creditors. I was successfully in contacting some of the creditors and submitting the same documents that I submitted to Equifax and they submitted a request for them to be removed. Equifax is sending me letters saying that they found them to be all factual and accurate. I have been out of the country deployed for nine months when all of this happen and they still refuse to remove these inquires even though I submitted copies of deployment orders, I do not reside in the state where it occurred, I submitted all requested documents that they asked for, and place a fraud alert on my credit report. The keep sending me letters to my home saying that they find everything to be factual while I m still deployed. I have upload a copy of my deployment orders. This is the only document that I have to upload at the moment are my deployment ordres since I am still deployed.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to XXXX and Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.
Complaint sub-issue: Used obscene, profane, or other abusive language

In XX/XX/XXXX, I received a Collection 's Notice from ERC. I have made one complaint against this company and now I am making my second complaint! I have told ERC repeatedly that I paid the amount that XXXX XXXX claims I owe two years ago! ERC informed me they were going to do an investigation regarding this matter! However, all their investigation concluded was the same amount from their Collection Bill! 
I have been told repeatedly that I would be transferred to a supervisor, but everytime I just get hung up on! I was even told by one representative that he would pay a bill even if he did not owe it! This was only an attempt to get money out of me! 
I have repeatedly disputed this charge and ERC has now informed me that they would just send this collections back to XXXX XXXX! They have not sent me any notice telling me that this has been done and according to XXXX XXXX, they are claiming that ERC has not sent this debt back to them! 
ERC has not used any cursing or abusive language, but has used manipulative tactics in order to get money from me and has repeatedly lied about this debt! I did not even have to reach out to them, but I did in order to clear this matter up! ERC is deceptive! 
XXXX XXXX is a fraud and should not be allowed to make money by selling this so called debt to Collection Agencies and ERC should not use deceptive practices in order to force people to pay for this bill! 
I paid exactly what XXXX XXXX told me I owed two years ago! Now, out of nowhere, two years later, I receive a Collection notice from ERC! They need to believe me when I tell them I paid this entire balance two years ago and not use manipulation or lies in order to make money! I am tired of this! I want this charge dropped and for these Collection Agencies to leave me alone! If not, they will all be sued in Court, including XXXX XXXX! 
The amount they are saying that I owe is : {$160.00}. The date I received the collection notice from ERC is : XX/XX/XXXX. This is from a debt from XXXX, which I paid! I showed them my bank statement, but now XXXX XXXX claims I owe more, when I have not heard from them in two years! I have tried to settle this matter with ERC from : XX/XX/XXXX-XX/XX/XXXX. I stopped then because no one will listen to me and all I continue to hear are lies and manipulating me into paying something I already paid two years ago! XXXX XXXX and ERC and any other collection agency that does these practices should be held accountable!
Complaint sub-issue: Account status incorrect

I have sent Equifax Letters regarding reporting " derogatory " on a paid account XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. They have not responded not corrected this. This is a violation of my FCRA rights. 
There are two accounts XXXX  and XXXX. attached are all documents showing proof
Complaint sub-issue: Trouble with how payments are being handled

I had a XXXXXXXX XXXX Student Loan serviced by Firstmark. The balance was {$210000.00} on XX/XX/XXXX. I had initially planned to refininance roughly XX/XX/XXXX between XXXX and XXXX XXXX. My XXXX ( serviced by Firstmark ) refinance for {$110000.00} was completed and applied to the XXXX loan on XX/XX/XXXX. Ultimately, it made more sense to refinance the balance entirely through XXXX XXXX ( serviced by XXXX ). XXXX XXXX payed Firstmark {$210000.00} on XX/XX/XXXX. Firstmark applied {$100000.00} of this to the XXXX XXXX Loan to close it out. They reasonably elected to apply the balance of {$110000.00} to the commonbond loan on XX/XX/XXXX, closing it out and leaving a credit of about {$6000.00}. I contacted XXXXFirstmark a few times and was assured that XXXX XXXX would be receiving the credit of {$6000.00} within a week or 2. 

I received a Loan paid in full letter from FirstmarkXXXX on XX/XX/XXXX. To my dismay, on XX/XX/XXXX, I checked my account and found that I am noted to be past due. Firstmark reversed the {$110000.00} payment. I called them on XX/XX/XXXX. Initially, I was told that the check bounced, or that I had stopped payment or something. After numerous calls and emails a few days per week, I am told that they are investigating it. They refuse to take me out of past due status in the meantime. They haven't refunded me or XXXX XXXX. They refuse to escalate me to supervisors in customer service and every time I call, they tell me they are putting in a request for a review, and I will hear from them in 1-2 business days. Emails note to expect a reply within 2-3 business days. They have not reached out to me at any point despite numerous promises of a resolution being a couple days away for the past 2+ weeks.
Complaint sub-issue: Information belongs to someone else

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Complaint sub-issue: Information belongs to someone else

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX and Chapter XXXX Bankruptcy XXXX
Complaint sub-issue: Attempted to collect wrong amount

There original debt was showing {$520.00} and the debt collector has changed the amount which is inaccurate to over a {$1000.00} with no communication.
Complaint sub-issue: Personal information incorrect

I'm having issues getting to credit bureaus to update and correct my personal information on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

Duplicated charges from the same doctor 's office since XXXX. My husband signed/authorized the charges only once with every visit to this doctor 's office but they are all duplicated on the Discover Card statements. We have paid Discover Card for these unauthorized  transactions. Dispute department has been contacted in XX/XX/XXXX and XXXX worked to put the credit of {$660.00} and {$140.00} on our account. These then showed up as transfer balances on XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). Discover Card dispute supervisor ( XXXX ) whom I spoke to on XX/XX/XXXX confirmed that Discover Card has paid the doctor 's office twice for each of these transactions. We have paid Discover Card and expect Discover Card to pay us back in full for the unauthorized charges immediately. It is a mistake made by Discover Card in paying the merchant for unauthorized transactions and their Fraud department should take responsibility for not catching this. Discover Card is unfairly making the payment to us for these unauthorized  transactions dependent on them being able to recoup the money from the merchant as a " transaction by transaction '' dispute and reversing the temporary credit when the merchant is unresponsive or responded that they did not duplicate a charge to Discover Card for a particular disputed transaction. XXXX also told me on the XX/XX/XXXX call that she can only put a partial amount of the total owed to us on permanent credit ( {$770.00} ) and refused/ can not give us permanent credit for the full amount owed to us ( {$1300.00} ). The {$770.00} permanent credit still has not shown up on my account as of this writing. On XX/XX/XXXX, I have received several letters in the mail from Discover Card stating they are unable to settle the disputes in my favor and consider the charge to be valid with merchant 's response attached amounting to {$730.00}. On XX/XX/XXXX I have also reached out to the doctor 's office and spoke with XXXX in Billing. I was told to mail her the statements showing the duplicated/unauthorized transactions. This was mailed to her by registered mail. XXXX made a follow up call to me on XX/XX/XXXX and mentioned XXXX, her supervisor has provided a full report to Discover Card.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello!, I have been charged by merchant XXXX on my Citi card on XX/XX/XXXX. I didn't authorize those charges. When I came to know about the charges, I called XXXX and asked them to reverse the charges. They didn't do it and said these sales are final. Then I contacted Citi in XX/XX/XXXX of this year for these charges. After a few days, They closed the case. I have contacted them several times and every time I call Citi I talk to them for a couple of hours and they tell me that they will call me back or transfer me to the irrelevant department. Sometimes they hang up the phone. Like they did today. The charges were for {$200.00} and that is XXXX times, that makes it {$400.00}. It is extremely difficult after XXXX months to get my money back.

I need your help in sorting this matter urgently.
Complaint sub-issue: Information belongs to someone else

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Complaint sub-issue: Billing dispute for services

I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from XXXX XXXX XXXX to be stopped as well as for the negative information to be removed from my credit report. XXXX XXXX XXXX as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021, a purchase was made in the amount of {$51.00} on Macys credit card ( Citi Bank ). On XX/XX/2021, a tracking # was created ( XXXX ) ( USPS ) stating expected delivery date XX/XX/2021. This item shows not movement from XX/XX/2021. Notified Macys of this problem, I was told to wait 2 days, 5 days, 10 days for movement of this package ( still waiting ). I am now being told by Macys my order # cant be found in their system. A payment was made for this item on XX/XX/2021, in the amount of {$52.00}. I wound like to be reimburse for this item and to close this account. A feel they are just giving me the round around. Can you help me?
Complaint sub-issue: Information belongs to someone else

My wallet was stolen and my identity. A XXXX  XXXX  was open by someone else.
Complaint sub-issue: Debt is not yours

I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt. 

I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt. 

Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com
Complaint sub-issue: Frequent or repeated calls

every day since XX/XX/22 i have received 1+ calls from the hours of XXXX am to XXXX pm. the caller id is Jefferson Cp Sy
Complaint sub-issue: Other problem

Citibank pulled my XXXX credit report on or around XX/XX/2018 without my authorization, placing a hard inquiry on my XXXX credit report 1. ) I am requesting why Citibank pulled my XXXX credit report on or around XX/XX/2018? 
2. ) Did Citibank also recently pull my XXXX or XXXX reports? 
3. ) Did Citibank pull my credit report concerning a new or current account? 
4. ) If a current account please provide that account number? 
5. ) if Citibank claims they pulled any of my credit reports in the month of XXXX under a Permissible purpose as defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]. Please state the SPECIFIC reason?