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

I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX-XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX Acct # 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 instruction.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Citi issued a credit card to a hacker that was using an address that wasn't mine. For 11 months they never contacted me and put the card in default. Only after I became aware of the identity theft and notified my bank and XXXX   did Citi put my home address and personal information on the account and then turned it over to a collection agency. Citi ran my credit report without my authorization on two instances in late 2018 and early 2018. I have asked them to remove these inquiries and they refuse. Then after finding out that the credit card was a fraud, they sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX started collection efforts. 
Never in the year in the life of the fraudulently issued credit card did Citi call, write or try to verify ownership of this fraud account til I notified XXXX.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute to Equifax about an inaccurate item on my credit report on XX/XX/XXXX and still have not received any resolution as of XX/XX/XXXX. When I check their website, it tells me it is still pending with an estimated completion date of XX/XX/XXXX. I have tried e-mailing Equifax to follow-up but have received no response. I also tried calling but gave up after waiting on hold for three hours. This has been very frustrating and has impacted my ability to complete a refinancing of my mortgage.
Complaint sub-issue: Didn't receive enough information to verify debt

I opened up a XXXX account a month or so ago. I opened two lines which should have been under one account. One account was created with the second number listed as a sub-account. I paid both bills and got the accounts fixed with XXXX. I received a statement from the account that was no longer in service as it was switched that had an overpayment of {$88.00} for account XXXX which was switched over to the main account. I called XXXX back and asked if that overpayment could be transferred to my main account to pay my current bill. They allowed that to happen. A few days later a get a text message from MRS BPO collection agency stating that I owed debt of {$88.00} on the account XXXX which was refunded to me. I contacted XXXX who stated I had not been turned into collections and that everything on my account was current. I answered a call from MRS BPO on XX/XX/2020 and told them that the debt was not legitimate and requested only to be contacted in writing and requested proof of the debt. They were also asking personal information about my XXXX account. I am still receiving text messages in regards to the debt which is not legitimate after making it known I only want to be contacted in writing. I called XXXX again today ( XX/XX/2020 ) and told them what was going on. They stated again there is no outstanding collection and that all accounts are current.
Complaint sub-issue: Problem during payment process

On multiple requests, Citi has refused to give us credit on one of our four {$1500.00} payments. We have spent too many phone calls and too many hours each call tried to solve this. Multiple occasions our case was opened and denied. There were 4 payments of {$1500.00} made in XX/XX/2019 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), only 3 credits were given to us, after we spent long hour on matching the credits with each of our payments from end of XXXX to mid XXXX, we found out that the MISSING CREDIT of {$1500.00} is for XX/XX/XXXX payment, and the reversal of a Conditional Credit of {$1500.00} was the mistake. So the 2nd Fax we sent to them is clear enough to point out their mistake, we have provided very detailed documentation and explanation. 
The problem is that Citi reps are NOT reviewing the info we sent in via Fax. Proof is this last conversation we had to force the rep to open it and review our bank statements and it was clear from her that she has never viewed them before. We are very tired of them holding our {$1500.00} and refused to give us back. Each phone call takes hours with NO satisfactory solution. The problem happened in XXXX, and now is already XXXX. We sent the 1st Fax per their request, but they couldnt find the problem and the unsolved issue remained. We sent the 2nd Fax ( 5-page fax ) on XX/XX/2019, they didnt open and review the Fax until today, XX/XX/2019.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
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. This was already included in my prior complain, and I'm including it again. 
CITI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Information belongs to someone else

This account was fraudulently opened and maintained. I've contacted the company and communicated with them that it was fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed bankruptcy XXXXr XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.
Complaint sub-issue: Information belongs to someone else

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$26000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I Have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681, And they have violated my right numerous times. I demand the account listed below ( # XXXX & # XXXX ) removed because, According to 15 USC 1681 : have the rights to the privacy and did not give Equifax written permission too furnish these accounts. 
( # XXXX & # XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS EQUIFAX AND XXXX REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to Equifax, XXXX and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.
Complaint sub-issue: Debt is not yours

I am intrested in disputing all inaccuracies on my credit report with Equifax.
Complaint sub-issue: Problem during payment process

Citi Card has a " Two '' payment only rule per day - I didn't know - when I tried to make a 3rd payment on the due date it was rejected, I contacted citi card thru chat and one rep ( XXXX ) told me he will do the 3rd payment on my behalf to avoid interest charges and keep a {$0.00} balance, I noticed, the following day, I still had a balance and contacted citi card again ( thru chat ), a second citi card rep ( XXXX XXXX told me my payment was still pending, my balance was " XXXX '' and I had nothing to worry about. on the third day, I received my new credit card statement and to my surprise, I saw a carry balance with interest charges. They lied to my face.
Complaint sub-issue: Information belongs to someone else

This is my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section 605b. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Other problem

Usbank consumer credit card. Using the mobile or desktop website to dispute a transaction is impossible. The " dispute transaction '' button offers different prompts and questions that DO let you do certain things like deactivate the card etc. But do not actually let you submit a dispute online or on mobile at any time for any reason. All prompts end with a directive to call the usbank 800 number for help. The mobile website support admit this is the reality and I think it's misleading to advertise a dispute function without offering an actual online dispute process. 

Since calling usbank the message was updated to " coming soon were working on it '' but still does not work as advertised.
Complaint sub-issue: Other problem

I paid my Citibank the entire balance of my account. I mistakenly over paid the amount due and my account ( which is currently closed ) has a negative balance of XXXX. I have requested to have have the funds returned and the Citibank is holding the return for an unspecified period of time. Citibank had confirmed that funds have been received by them but they still refuse to refund the outstanding balance inspite of repeated attempts to have them wire the funds to my account.
Complaint sub-issue: Information belongs to someone else

I have two collections on my account from XXXX XXXX and XXXX XXXX and they are not mine
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX XXXX no answer I dont use XXXX XXXX You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX {$760.00} EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$960.00} - None provided - XXXX XX/XX/XXXX {$110.00} - None provided - XXXX XX/XX/XXXX {$180.00} - None provided - XXXX XX/XX/XXXX {$350.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$150.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Complaint sub-issue: Problem with product or service terms changing

Hello, I was impacted by the Equifax hack, and was told I was eligible for identity theft protection through them. I registered with TrustedID as requested, and received an email saying I should set up my account. 

When I tried to set up my account, I was told either my birthday, or social security number was incorrect. Obviously, I know these things pretty well, and called the company. 

AFter 3 called to TrustedID no one is able to help me. I 've repeatedly sent " verification documents '' to them including a photo of my driver 's licence, XXXX bill, and utility bill, attempting to figure out where the data mismatch is. 

No one ever calls me back, the person on the end of the phone pretends they do n't know what a case number is, and I 'm unable to talk to a supervisor.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$3500.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX failed to precise proof of contract or an application with my signature for service. 
They have my credit and use it from time to time it seems once a year Ive contacted each company thats using they service and they all fail to produce proof of this action and declined use of my ssn more then once in complete violation of fair credit reporting act 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My original loan with the company was {$32000.00} after I graduated in XX/XX/2009. I have paid {$23000.00} to date on this loan ( {$13000.00} interest and {$9700.00} principal ) but yet my total loan amount still owing is {$30000.00}. A little over a year ago I tried to settled the entire loan for the balance owing - what I had paid to date less the original balance. The servicer immediately refused my request stating the lender does not offer settlements. 

I have a combined student loan debt of over {$400000.00}, half of which is federal loans and the other private loans. Because I am unable to make full payments ( I only make {$55000.00} a year ), my debt keeps accumulating. I explained this in my request but yet they refused. So, to date, on this loan, I have paid over {$23000.00} on an original loan of {$32000.00} and still owe over {$30000.00}. How is this ethical? 

I am trying to clear this debt to help with my overall student loan debt. Plus, my mother co-signed on this loan for me so I am trying to at least resolve this debt so she can retire without this lingering over her. I am asking to settle this debt for the balance of the original loan ( {$32000.00} ) - what I have paid to date ( {$23.00}, XXXX ) = {$9200.00}