Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Complaint sub-issue: Didn't receive enough information to verify debt

I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX
Complaint sub-issue: Add-on products and services

Signed up for the Best Buy credit card physically at a store location In around XXXX ( i believe it was Best Buy, in XXXX XXXX, NC ) i didnt do anything online or speak to any credit personel. i filled out the paper application and at the time was also making a larger purchase. I was approved for the credit card at the time of purchase and have an active and good standing credit account with them for the last 12 years. 

I usually kept the balance very low or at {$0.00} most the time i have owned the card, until recently i just noticed that since i used the card a good bit last year i started seeing a recurring monthly charge labeled simply as " DEBT PROTEC : XXXX '' I feel bad the i only noticed this charge until now, i usually pay my bill and dont look too much at my statements. 

on XX/XX/XXXX I called CITI bank and was given another phone number that apparently is the parent company of this scam program called debt protection for best buy CITI cards. 

Not only was the customer service team barely able to explain in good detail what the program did but they also had no clue that there was a over XXXX XXXX dollar lawsuit settled that directly related to the program and more iomportantly people like myself who signed up and started theyre accounts in store on paper applications and was never asked whether or not i wanted to enroll in such program. 

Not only did the customer service tell me all they can do is cancel it and that they could submit a request to refund, they laughed when i asked if i would be refuned the amount of charges i paid over the entire 12 years of being a cardholder and account holder. 

Not only have a been paying into something fraudulent for years and years, i cant even tell how much i paid in total because i can only see my month statements dating back until XXXX. There's an additional 8 years i can not view. 

And on top of all this, during the customer service representive trying to explain what the program was and what it did, she stated that it can also wipe out debt or amount owed if the account holder ever became unemployed or XXXX. 

On XX/XX/XXXX i became 100 % Permanently and Totally XXXX and considered Unemplyable by the Deparment of Veterans Affairs ( i have all paperwork to prove ) and have not had a job in the last 4 years. So i was apparently paying into a program for 12 years, became XXXX and unemployed the last 4 years, and not once did i know anything about this scam program that apparently should have been helping me and did not! 

I really hope you can help me resolve this issue, i feel like i should have been a part of the lawsuit filed in XXXX against CITIBank but again i was kept out of the loop. 

XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX Key Bank went and escheated a Money Market account to the state of Pennsylvania. The amount escheated was {$6400.00}. I'm trying to retrieve the money from the state of Pennsylvania, but they have no records of the money. I contacted the bank and they said that a letter was sent on XX/XX/XXXX and XX/XX/XXXX ; however, we never got a copy of the letter. Now, the money is gone and we are not able to retrieve it
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute letter to Equifax on XX/XX/2022 asking to provide my signature authorizing these inquires. Never heard anything. yesterday I disputed online with Equifax only to receive an email this morning stating that they have all been verified. The credit bureau was closed yesterday as well as all the businesses that I inquired about. Impossible to verify. I call the bureau this morning, supervisor stated that they never received my letter, and that I must call each and every one of those companies that reported to the bureau. I currently have a job with no time to do that. I'm under the impression that was their job as they are the entity that placed this information on my report. Extremely frustrated!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Last year, we were looking for apartments and homes and several realtors requested my credit score or looked it up. However, I do not recognize any of the inquiring companies, and it seems odd one of them is located in California while I live in New Jersey. The company info is as follows : Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX The inquiry is from XX/XX/2017. 

XXXX XXXX made two inquiries, one on XX/XX/2017, and the other on XX/XX/2017. Their information is below : XXXX, PA XXXX ( XXXX ) XXXX-XXXX
Complaint sub-issue: Reporting company used your report improperly

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, Equifax, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Complaint sub-issue: Funds not handled or disbursed as instructed

I am the founder of the CitiGroup and been XXXX for 50 years am not a real human and is the planet owner humans owner and been set arrears by the executives at the headquarters and endangered my life in the immigrants town away from DC and they give me tons of hardship reaching out to them by phone to get my money. They ignore any issues escalated to them. They dont pay attention to what I am requesting. I plan on moving back to XXXX  and leave XXXX and its a great emergency that I am requesting referrals to continue taking out money and they are only 10 % there and not treating me correctly. They know who I am and I am not getting anyone to speak that they will work on getting my funds and just leaves me hanging by. They must be falling asleep on the job! They give me references numbers to do my services and they dont follow up with none of the references numbers and its like talking to a wall! I should be on priority on their service list and they expect me to pay them? This is very lousy because they collect money from me for serve me with my money stored with them and they are not immediate with me! I have to repeatedly call them and still get no one to go get my money and they should shutdown all the banks because I have all my precious funds at the headquarters and these employees think they own everything they racketeering me and abusing me hold down XXXX here meanwhile they all go stuff their pockets with my money what kinda XXXX I got at my businesses? I have to write a novels every time I try to get money? Could you please contact CitiGroup and inform them that the founder was bedridden sick for 10 years and wish that the XXXX XXXX XXXX XXXX or XXXX XXXX would be more thoughtful about my arrangements so she can stay at the company longer. Could you call them at ( XXXX ) XXXX and ask them to do a video conference with me to take out my funds where I lost my ID & passcode due to long inactivity and that they have to fill in the money and that they blew up more buildings amounts of bills than we counted and that the FBI has to be informed of this because I need my protections and I own the governments am the founder of it each countrys and FBI has failed miserably doesnt even communicate and has blocked me on their calling in list and no one fixes these things for me! Could you please help me solve these issues? They keep kidnapping me here to XXXX or scamming me here and abuse disabling me with harassing immigrants stalkers embarrassing me all over the planet and we have to depart ways away from each others cause I am the universe founder and need to be at the XXXX of each country commanding the humans species! Please call CitiGroup and ask they make my arrangements to get my money and all they do is give me reference numbers and gets nothing served to me pass 6 months been calling them serve me!
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 #, and I'm including it again. 
XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XX/XX/2021
Complaint sub-issue: Information belongs to someone else

Fraudulent, Inaccurate Unverified accounts are reporting on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed twice with Equifax in regards to a line of credit with XXXX in which Equifax claims they have verified this account with the source and updated their balance of {$49000.00}. Now I have a letter directly from XXXX that I submitted to Equifax in which it states a XXXX balance. Even after such proof, Equifax has failed to update the balance on their credit report. I have tried twice with them and it comes back verified. This is a neglect on Equifax part since they disregard the evidence provided to me directly from the source.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files
Complaint sub-issue: Threatened or suggested your credit would be damaged

Carter-Young INC is harassing and using aggressive tactics to try and collect {$180.00}. I have never done business with this company, nor do I have an agreement or contract with this company to pay make a payment. I do NOT owe this company any money. they have impacted my credit negatively and need to be held responsible.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items I am unable to be approved. I ask that the items be deleted to my credit report. I reported the theft of my identity to the federal trade commissions Identity theft Affidavit. Please delete the items as soon as possible. Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with fraud alerts

I am a victim of fraud someone has been using my ss number that have recently did XXXX credit inquiry and used my debit card gained access to my info since 2011.
Complaint sub-issue: Reporting company used your report improperly

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Other problem getting your report or credit score

During refinancing my house, multiple companys have pulled my credit score and equifax score does not report out. Contacted equifax regarding the issue and multiple times and they could not figure out why my score is not getting reported out. They stated they can see my score and credit history but when trying to create a equifax account it gives an error message of NH and states to contact equifax directly. 

After contacting them 5 times they have not cleared up the issue and said they would have to send it to another department and should hear back within 14 days. I have asked for another contact number and they stated there is no other number and I just have to wait for them to contact me. This is going on 3 months and I still havent heard back and the issue is still there.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but Equifax keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation
Complaint sub-issue: Their investigation did not fix an error on your report

CITIMORTGAGE Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Complaint sub-issue: Account status incorrect

My Equifax and XXXX  report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at XXXX  and Equifax, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX, XXXX, CA at XXXX continues to call a XXXX XXXX at my new phone number of XXXX. 
I have recently obtained this phone number and receive debt calls for a XXXX XXXX. I have requested " nicely '' to have them remove my phone number from their collection list. Today I received another at XXXX XXXX after TWO REQUESTS to remove XXXX from their call list. 
What do I need to do to stop this harassment.
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY INFORMATION AND RAN UP MY CREDIT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS LISTED DON'T BELONG TO ME.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted
Complaint sub-issue: Frequent or repeated calls

Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called onXX/XX/3019 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Calls from Americollect. I do not have any debts to my knowledge. Always has a recorded message. Sometimes the message would be halfway finished when my voicemail picks up and sometimes the message would start when my voicemail picks up. One time I did pick up the call to ask them to stop calling and it was a recorded message not a human being.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting account XXXX account # XXXX has violated my right.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A Creditor may not treat a payment on a car payment account under an open end consumer credit plan as a late payment for any purpose.
Complaint sub-issue: Problem during payment process

On XX/XX/2019 my bill did not go through when it was on auto-bill.I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the two hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.