Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

When I was unable to pay the minimum amount due on my Citibank Credit card / Home Depot account due to losing my job, I called in effort to proactively make an arrangement until I was able to get another job. On the very next statement I received the minimum payment then due was {$600.00}, which was far more than what the original minimum payment. Citibank used the information given to them to place my account in debt collection for them to be able to write it off. I do n't understand how this is even legal. 

Needless to say I did everything I could to try and resolve the matter and went into debt collection with an agreement to pay {$45.00} per month until the debt has been paid in full. I do not receive any receipts or current balance or even monthly statements of the debt and this payment has been made now more than a year. I have no way of getting in contact with them and do n't know how I can find out what the remaining balance would be. How can I resolve this? I 've checked my credit score on XXXX and there is no information about the account even listed any longer. What can I do?
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Information belongs to someone else

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Complaint sub-issue: Information belongs to someone else

I WAS A VICTIM OF IDENTITY THEFT. WHEN I FOUND OUT ABOUT THE IDENTITY THEFT, SOMEONE HAD USED MY PERSONAL INFORMATION TO OBTAIN CREDIT AND UNSECURED LOANS. I HAVE FILED A POLICE REPORT AND FTC REPORT WHICH WAS SENT TO ORIGINAL CREDITOR ( XXXX XXXX ) AND ALL 3 MAJOR CREDIT REPORTING AGENCIES. XXXX AND XXXX HAVE BOTH REMOVED ALL ACCOUNTS WHICH WAS OPENED BY IDENTITY THEFT PERSON. I HAVE SUBMITTED 3 DIFFERENT DISPUTED WITH EQUIFAX WITH NO RESOLUTION. I AM IN PROCESS OF REFINANCING MY HOME WHICH I AM NOT ABLE TO QUALIFY DUE TO EQUIFAX IGNORING MY DISPUTES. THIS HAS PUT ME IN A VERY BAD POSITION AND HAS CAUSED ME MENTAL ANXIETY AND LOSS OF INCOME BECAUSE I AM NOT ABLE TO COMPLETE MY REFINANCE.
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i sent a letter to XXXX about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to Equifax w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.
Complaint sub-issue: Investigation took more than 30 days

I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$58000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of EdXXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Complaint sub-issue: Account status incorrect

Earlier this year I attempted to log into my XXXX  account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the account. XXXX XXXX XXXX XXXX XXXX  ; If Equifax feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Personal information incorrect

I correct name XXXX XXXX XXXX on Equifax fraud alert report. 
My correct name is XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from XXXX going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. 
Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your XXXX Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan  data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported on my credit reports for years.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information is not mine

Equifax is reporting a " hard credit inquiry '' from XXXX XXXX XXXX XXXX, XXXX. I told Equifax that ( 1 ) I never asked XXXX for any services ; ( 2 ) XXXX does not provide any services in XXXX where I live ; ( 3 ) XXXX told me that they have no record of any account or request in my name ; and ( 4 ) XXXX told me that they did not make any credit inquiry about me. Nevertheless, despite repeated requests, Equifax refuses to remove the erroneous information and this is adversely affecting my otherwise " excellent '' credit score. I have written to Equifax several times, pointing out the absurdity of their report, but they have refused to remove the false item from my credit report ( which, by the way, is not shown on any other report from any other credit reporting agency ). I told Equifax that their inexplicable failure is costing me time and money, and that I would report their misconduct to you, but they do not seem to care.
Complaint sub-issue: Problem accessing account

I have a Cash App account that was set up for me to receive my IRS stimilus payments since the beginning of the pandemic. I only had access to my account long enough to receive my first stimulus payment. I believe my email was hacked so i lost all access to my account via recovery methods. Ive reached out to the Cash App team more than four times since i lost access in XX/XX/2020. I have notified the Irs as well, but unfortunately each deposit was successful and as far as i know, i have a nice amount of money just sitting in this inaccessible account of mine. I have had no success with the Cash App team helping me to recover my account, although ive been asked for really personal information in the attempt to prove my identity to the Cash App Team. One transaction for 4200 and another for 2200 was verified by the IRS that it successfully deposited into the account im trying to recover.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

During XXXX/XX/XX/2019 I was inquiring with various banks on refinancing terms for my primary home. In the discussion with Citibank the representative on the phone pulled my credit. I was so surprised as I never gave her authorization to do so. I told her I needed the inquiry removed from my credit reports. She indicated she needed to work with her supervisor. Several weeks later she called and indicated the inquiry would be removed. several weeks later the inquiry was not removed. I have called Citibank several times to inform them of this problem. I have been re-assured several times it would be removed. I have a voice mail from them telling me the inquiry would be removed. However, the inquiry has not removed. I want this removed and they have not responded with a positive result.
Complaint sub-issue: Problem getting my free annual report

Equifax blocks consumers who have frozen their credit files from being able to use the online XXXX site to get their free annual credit report. This violates the spirit, if not the letter, of the law. 
I spoke to Equifax about this. They assert that " for my security '' ( because I have a freeze ) they will not answer a credit report request online. This makes no sense. I have a freeze PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more security-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately making it harder for consumers to exercise their right to see their own credit report, in order to dissuade consumers from protecting themselves by setting up the freeze. Equifax must be penalized, and forced to change their procedures, so that consumers who have frozen their credit files can use the XXXX site ( or a direct Equifax web page ), along with their freeze PIN, to get their free annual credit report, in accordance with the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX Equifax XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Equifax to have this account validated. I have had several invalid addresses, phone numbers, inquiries and accounts show up across various credit reports. Yet Equifax keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX/XXXX using the number provided by Equifax 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Equifax for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle.
Complaint sub-issue: Funds not received from closed account

In XXXX my citi bank debit card was locked due to suspicion of fraud because i was spending more than normal when I attempted to call citi bank and unlock my card they would not do so saying i had to go to a branch and provide documents to prove my identity I obliged and went to the branch with my ID and birth certificate and also my medical card the branch told me to allow 24 hours and my card would b unlocked ... that never happened i called back to b told my account is being closed and any funds would b mailed to me in a check 60 business later after the 60 business days nothing came in the mail so i called citi bank again this time I was told my remaining balance was sent back to Illinois unemployment so i then called Illinois unemployment they confidently told me they have never received anything from citi bank so i called again this time theyre telling me its coming in a check wait 60 more business days i tried to speak with supervisor but every single one has hung up in my face every single time my remaining balance was {$12000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I filled a dispute with Equifax two days ago. There is a dental collection on my credit report that I never had or recognized. I am XXXX XXXX Military and I get all my dental care through the military so I never had care from this company. Equifax has verified this information within a day. I want to know how they verified this information so quick. I want this account removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I currently have an open automobile account with XXXX XXXX XXXX and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now Equifax removed the account from my Equifax report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00} with no reason after I called XXXX it shows that is incorrect! I want equifax to put the account back on file as it was and XXXX XXXX   to correct the amount owed to XXXX XXXX XXXX immediately.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX XXXX keeps places debts back on my credit report that were previously removed. They will be XXXX, then show up on Equifax XXXX and visa versa. The debts have never ever been verified. Each and every time I request verification. I state to them that the debt is well beyond the SOL and is a time barred debt. These debts were closed and sold between XX/XX/XXXX and XX/XX/XXXX. They show them as current open collection accounts. They have repeatedly done this even though they have been sued and settle for the exact same things. If it is not them it is one of the subsidiaries. This has been going on for a very long time. How is it that the credit reporting agencies are allowing them to do this without consequences.
Complaint sub-issue: Not given enough info to verify debt

I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.
Complaint sub-issue: Trouble with how payments are being handled

I have submitted loan payments through XXXX bank to AES for over 15 years. I submitted this month 's payment on XX/XX/XXXX. XXXX processed it on XXXX and received by AES on XX/XX/XXXX before my XX/XX/XXXX due date. As of XX/XX/XXXX, they are showing my account delinquent which threatens my credit score. I've contacted customer service multiple times and have been given the runaround. I have proof that AES received the money and they won't take it in a convenient format, instead, wanting me to mail it via XXXX so that my credit score will be FURTHER impacted. This is not right! I've been paying these crooks on time for ALL of my adult life, they can at least have the competence to apply my payment correctly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX DBA 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
Complaint sub-issue: Debt was paid

This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

This company is saying that " This was not sufficient, and she was asked to provide a 30-day bank statement. Ms. XXXX provided the bank statement however the statement appeared to have blacked out multiple transactions. It was apparent that the reversed transaction for the {$160.00} was redacted. '' How can they know what was redacted and what was not? I redacted information that had NOTHING to do with this company is my PERSONAL FINANCIAL matters and is NOT SUBJECT to MoneyLion 's approval or not -- I SENT THEM TWO BANK STATEMENTS SHOWING PAYMENT IN FULL OF THIS DEBT and they REFUSE to acknowledge this was paid - my statements are showing the payment went through - I never disputed anything - they are FRAUDULENTLY TRYING TO EXTORT MONEY FROM ME FOR A DEBT THAT WAS PAID IN FULL OVER A 1.5 YEARS AGO
Complaint sub-issue: Overdrafts and overdraft fees

Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank