Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do 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 block/remove these files. If you feel there is a possibility these accounts belong 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 you do not provide any records & claim the accounts are 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. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Account terms

Equifax continues to not correct information on their version of my credit report. I have tried for years to get this corrected. It seems as though their online system is taking your dispute but then nothing ever happens. I have contacted the financial institution to have them update the information about their account with me, and nothing ever changes.
Complaint sub-issue: Attempted to collect wrong amount

I had an account with XXXX XXXX  with a balance of around {$2500.00}. This past due account was sent to I Q Data where they've updated the account balance to {$6000.00} which is completely absurd and deceptive. 
Not only did I Q Data re-age this account by updating the " date of last activity '' to reflect the date of XX/XX/2022, they also added fees in excess of over {$3000.00}. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.
Complaint sub-issue: Reporting company used your report improperly

Equifax have ASSUMED a vital role pursuant to 15 usc 1681 ( 3 ) of my consumer reports and has been violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ).
Complaint sub-issue: Didn't receive services that were advertised

I currently subscribe to Equifax credit monitoring. There product has continuously not worked. I have emailed them twice, called, and chatted. They keep stating issues with their system. I said then I would like to cancel my subscription and receive a refund because you can not provide services. I only asked for the month I prepaid for. They refused to provide refund because I did not cancel in time. But once again, they advertise you can run your score whenever you would like, but you ca n't because their software does n't work. It 's sad they are responsible for your credit. I just want them to do what is right. I have attached the screenshot in which it states report is in progress, it says that everyday, so you can never order and no report is ever generated.
Complaint sub-issue: Problem with personal statement of dispute

My home loan was transferred to XXXX at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from XXXX in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to XXXX XXXX XXXX XXXX XXXX to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly. 

I never received any additional letters or notifications from XXXX until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ). 

I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment. 

I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent. 

Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at XXXX to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my XXXXXXXX XXXX  by this scam they seem to be running to try and get late fees from clients.
Complaint sub-issue: Information is not mine

Checked credit score, they showed we have a home mortgage since 2012. 
This information is incorrect. We have no home mortgage.
Complaint sub-issue: Debt is not yours

1.I have never had an account with this company AFNI XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AFNI the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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 XXXXXXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Complaint sub-issue: Was not notified of investigation status or results

I sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.
Complaint sub-issue: Their investigation did not fix an error on your report

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

TO : Citibank Credit Card Disputes XX/XX/20 pages : 1 plus three attachments Card ending in XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX RE : Case XXXX XX/XX/20 {$99.00} XXXX XXXX Hello, I wrote you about above case and showed you my statements that this case was permanently closed in my favor months ago. I showed you in my disputes list 20 or so cases, this one included have mysteriously changed from closed in my favor permanently for months to CLOSED IN MERCHANTS FAVOR credit reversed dated XX/XX/20. 
Many others have been dated XX/XX/20 or XX/XX/20 and I send you the proof you notify me today XX/XX/20 of a letter in my e communications dated XX/XX/20 attached here as A that tells me exactly what I told you that the case was closed in my favor previously. Now check attachments marked as B and C on top in my disputes list today the same case shows closed in merchants favor XX/XX/20 credit reversed. 
This is a non stop issue and how can we trust any of these decisions when what is going on here please?

There are 7 credits I am due on this same acct that needed to be credited but something is going on very wrong here.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/XXXX XXXX reports my FICO score is XXXX. XXXX  then pulled the information from XXXX XXXX and Equifax. XXXX XXXX report at my FICO score as XXXX and the number had not been updated since XX/XX/XXXX. Equifax report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from XXXX XXXX and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from XXXX XXXX and Equifax those two score should be considerably higher too. XXXX XXXX is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt. I feel that XXXX XXXX, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like XXXX XXXX wont allow them to! So I would like an investigation done into XXXX XXXX & Equifax as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. There should be a lot more oversight on these credit bureaus. I filed a dispute with XXXX XXXX I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. Until then no matter what we did our score never budged and that is a great cause for concern. Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.
Complaint sub-issue: Investigation took more than 30 days

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Complaint sub-issue: Personal information incorrect

I have submitted many letters to Equifax over the pass year notifying them that they have an incorrect birth year for me. Equifax have a birth year of XX/XX/XXXX. I was not born in XX/XX/XXXX, I was born XX/XX/XXXX. Please help me to get this information updated on my credit file. I have sent Equifax proof of this statement.
Complaint sub-issue: Information belongs to someone else

XXXX continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain on my credit report.
Complaint sub-issue: Problem getting your free annual credit report

Equifax basically never lets me check my score, and I submitted a dispute with them about a derogatory account I saw was ONLY on my Equifax report ( I saw on a third party credit monitoring website since Equifax won't let me in ). I've tried calling Equifax, per the suggestion on their website, but the woman on the phone at Equifax said their " systems were down '', so I waited a few days to see what was happening with the dispute since they keep emailing me a Dispute confirmation number. I keep attempting a login, because apparently having a form where you just type in your dispute number would be just too easy for consumers, am I right? Got ta make it hard on us consumers, right? Well anyway. Their site keeps saying they can't help me online. You've GOT to be kidding me. This is not FAIR to me, as I know all of the questions I'm answering are accurate. What is wrong with Equifax? Both XXXX  and XXXX are amazing, but Equifax needs to stop being a rude company and just let me see my XXXX  dispute results for goodness sake!
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.
Complaint sub-issue: Account status incorrect

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Fees charged for closing account

I opened a checking account with Citi earlier this year to obtain a {$200.00} promotion they were offering. 

After leaving more than {$5000.00} into my account for months ... I did not see the promotional credit. I attempted to reach out to them to obtain the credit but they were evasive and denied me. 

In early XX/XX/2019 I XXXX  out my account and asked for a closeout. After no closeout was processed, Citi proceeded to charge me a $ XXXX  monthly maintenance fee for low balance ... despite my request to close the account out and not have any money in the account. That fee made my balance XXXX ... which then triggered an automated {$34.00} overdraft fee from Citi. I proceeded to complain in early XX/XX/2019 and they indicated they would override the {$25.00} maintenance fee ... but kept the overdraft. However they assured me that both fees would be waived when closing my account on XX/XX/2019. After a week, i had to contact them again on XX/XX/2019 since my account was still not closed. 

I believe this is unethical. They first neglected to honor their promotional credit ... then charged me multiple fees to reduce the promotional credit they promised. Then they made it quite difficult to close the account ... I've made 3 Requests at this point.
Complaint sub-issue: Problem getting your free annual credit report

I am applying for a house mortgage, and I was not able to get my credit report from Equifax. I called them and they said that they don't have my information on file. They even blamed credit card company not send credit report to them, which is not true based on my research. This has caused a lot of trouble for me. The delay of house mortgage application may bring me huge financial loss.