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

On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.
Complaint sub-issue: Information is not mine

I have a mixed file on my credit report XXXX XXXX XXXX marketing
Complaint sub-issue: Account status incorrect

I opened an account with XXXX 's and my payments started sometime around XX/XX/2021. I paid approx {$58.00} every month and sometimes a month in advance of my next payment, yet they claim that I missed a payment by 30 days because I paid XX/XX/2021 in XX/XX/2021 and are showing that I was 30 days late in XX/XX/2021. 

I've attached a screenshot of my payment history and believe this is just a clerical error in their systems and they are probably not used to having a person pay 2x in a single month, but either way, I'd like the 30 days past due removed from my credit reports. 

XX/XX/2021 - showing 30 days late/past due on all credit reports. 

Payments made in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX In addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to XXXX, Equifax and XXXX yet this issue has not been resolved.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute last year in XXXX. XX/XX/XXXX to be exact and I haven't received anything back from the bureaus yet. According to law you have 30 days to complete an investigation and it's been well over 30 days and the incorrect items on my credit report still remain. They should be removed immediately. Am I being taken advantage of? I feel like I am. Again, section 611 a states that a failure to investigate those incorrect items within 30 days is a reason to remove them so with that being said I demand you the accounts disputed be deleted immediately or I will be filing litigation due to the stress you've caused me.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, names on file, authorize any of these companies to run my credit, nor did I live at these addresses. Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent all the certified documentation to XXXX, XXXX, and Equifax regarding their method of verification regarding 3rd parties due to they continue to place inaccurate and unverified info on my CR. XXXX XXXX sent me a letters stating they removed these 2 BK from their files and I have a security freeze through their company. XXXX is the only company that responded in writing but wouldn't tell me their method of verification via phone which XXXX is listed on all their credit bureaus websites that this is their source of public records. I have sent certified mailed letters to each bureaus regarding removing the BK due to FCRA 611 ( 15 USC 1681 ) goes against the policies and must be deleted immediately because its not proper verification. Credit bureaus cant use 3rd parties public record that they must directly contact the Bankruptcy Court itself who is the original furnisher it has to be 100 % accurate/verified. I have submitted a letter from the Courthouse stating they don't speak nor associate themselves with credit bureaus nor 3rd parties. I have not received any documentation from Equifax & XXXX upon certified letters till this day. I have submitted a letter from XXXX who wont allow me to place an security freeze on the report which I have a right on all reports by law especially if its inaccurate info. On my CR its listed 2 different attorneys which I never heard of nor have I signed any documentation with any third parties. I also have security freezes on all the credit bureaus so how are they able to continue to report inaccuracies if I have all this documentation. I have listed all the supported documents you will need to handle this situation because the CB continue to lie and place information on CR that are not true which they keep blaming the courthouse.
Complaint sub-issue: Problem using a debit or ATM card

On the evening of XX/XX/XXXX  {$500.00} was taken out of my checking account via XXXX. I am a victim of the XXXX  Scam that is unfortunately happening now. I called the bank to report the unauthorized/fraudulent transaction that very same evening. I made a report with the banker that assisted me. She transferred me to the fraud department, but it was closed. I called the bank again the very next morning to report that I was a victim of fraud. I filed a report and took absolutely every single action the fraud department advised. I closed my back accounts and opened new accounts. I also changed my email and all information on my XXXX account. Everything that I was advised to do, I did without hesitation. 

I received a letter from the bank, dated XX/XX/2021, stating the my claim has been denied because the transaction posted as requested. This thief took my money and the bank is stating that I authorized this transaction. {$500.00} is a lot of money. I have used XXXX countless of times without any issues. 

I have never had to submit a claim for this issue in the past. The one time that I am unfortunately a victim of fraud, my bank denied my claim. I feel so violated and helpless at this point. I need that money. My family needs that money. That person stole from me. This transaction was not authorized by me. Someone please assist me with this. I would gladly take whatever additional steps I need to take to ensure this thief never violates me again and that I receive my full refund.
Complaint sub-issue: Account status incorrect

there was an update on XXXX XXXX XXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 during payment process

The automatic payments on XX/XX/22 did not get made. More than a week later a returned check fee and interest charges appeared online but was back dated to XX/XX/22. Called customer service who insisted either I or my bank changed something that caused the fault and therefor I am being charged Fee 's and interest. I pointed out that I have several cards and all payments are always made both before and after their claim that the payment was returned by my bank. I checked with my bank who said they have no record of any attempt by bank of the west to process the payment and yet bank of the west is charging a return check fee. After several hours and phone calls Bank of the west claimed it was a computer error and the fee 's and interest should not have been charged but the charges were never reversed, some even claimed the charges were already reversed. I asked for written confirmation that the charges were either disputed or reversed and received a letter dated XX/XX/XXXX that the fees were valid and past due. In more than twenty years no company I have automatic payments with has ever had a problem and now this is the second time Bank of the west has failed and claimed I am the problem.
Complaint sub-issue: Inadequate help over the phone

Called XXXX spoke with XXXX agents. " XXXX '' the supervisor in the dispute center refuse to assist me in removing XXXX inquires from my report I did not authorize or have knowledge of being reported. Refused to issue a case number for my dispute. Refused to remove inquiries. The call took place on XX/XX/2016 @ XXXX.
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/XXXX, I filed a dispute with Equifax regarding my account with my mortgage company, XXXX/XXXX XXXXXXXX, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my Equifax credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my Equifax file. When I reached out to Equifax to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called XXXX/XXXX  XXXX to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact Equifax to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with Equifax, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.
Complaint sub-issue: Deposits and withdrawals

I have reported this same reoccurring issue of my transcations being declined on multiple occasions in which Citi bank has responded with several inaccurate excuses as to why each and Everytime my transactions have been declined. Citi bank has failed on several occasions to make any attempts to resolve this reoccuring matter. Today once again XXXX XX/XX/2020 Citi bank intentionally stopped my transaction. This reoccuring issue has caused me a great deal of stress along with financial issues. I'm asking that my account is investigated and Citi bank doesn't not stop or attempt to stop any of my transactions in the future. Funds will be fully available in my account and Citibank will deny me access to my funds along with stopping any transcations. I have also reported another time an issue happened similar to this one to the CFPB on XXXX XX/XX/2020 which is when Citibank declined another one of my transactions and purposesly freezed my card from being able to remove my funds for days. So once again I'm requesting that this complaint is taken seriously enough to be properly investigated.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I requested a copy of my credit report and I noticed I had a collection account being reported by AFNI , Inc. in the amount of {$660.00} previously owned by XXXX XXXX XXXX which does not belong to me. I wrote several letters and XXXX  now reports that this account is mine. I was in a XXXX XXXX  in USA since XX/XX/XXXXand there is no way this account belongs to me. This has affected me adversely since I am trying to clear this matter and it still continues to report on my credit report. I wrote to AFNI, Inc and XXXX including evidence that I was incarcerated during these periods.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting acct XXXXXXXX XXXX has violated my rights. 

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

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Debt is not yours

As of XX/XX/18 HUNTERSWARFIELD is still reporting on my credit report after it has been removed and deleted. Hunters warfield has been reinserted on my credit burea and has to be removed due identity theft. This debt doesnt belong to me and shall be removed under section 609 under fcra.
Complaint sub-issue: Problem with statement of dispute

I am contacting you in regards to a violation of the Fair Credit Reporting Act by XXXX XXXX XXXX and Equifax. I have made several attempts to have the fraudulent account from XXXX XXXX XXXX removed via the original creditor, the company they sold the account to ( XXXX XXXX and Equifax. I was able to resolve the issue with XXXX XXXX on or around XXXX/XXXX/2015, however neither the original creditor or Equifax have removed the fraudulent account from my credit file, even after several disputes providing all necessary documentation including a letter from XXXX XXXX verifying the account as fraudulent. Attached you will find a copy of the letter from XXXX XXXX as well as XXXX " investigations '' from Equifax stating the account is mine even after provided proof and verification of fraud.
Complaint sub-issue: Information belongs to someone else

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXXl ; Opened XX/XX/XXXX Balance {$0.00} XXXX   XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} The XXXX ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}
Complaint sub-issue: Account status

I 've mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX. XXXX, XXXX regarding incorrect reporting of my XXXX XXXX XXXX student loans. Despite XXXX written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX XXXX changed their name to XXXX on XXXX XXXX, XXXX and all my loans through XXXX XXXX and XXXX were never reported past due or late in XXXX or XXXX XXXX or XXXX XXXX. Please see attached documentation from XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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: Debt was paid

CBA reported false info on credit report. Debt was paid in full and balance is XXXX.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I received an email from Discover. The email was requesting that I complete IRS Form XXXX XXXX XXXX. I first thought why & under what authority does Discover have to request my tax returns. I called Discover Credit Card & spoke to a Discover Representative & shared my concern. She advised me to ignore it because it was a scam, but I felt that she was not taking the matter seriously, so I asked to bespeak to the FRAUD DEPARTMENT. The Fraud Dept. Rep. advised me that Discover is demanding that I complete IRS Form so they can verify mt identity and taxes. I asked the Representative under what authority? I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I looked at the agreement & couldn't locate the wording. I asked the Rep.To please guide me to where on the agreement it states that Discover can at any time ask for my tax returns. The Rep.stated, " I don't know where it is ''. I asked to speak to a Supervisor and was told that a Supervisor was not available & if I don't comply my credit cards will be permanently closed. I had one Discover Card & since day one I have an EXCELLENT payment history.i had the card from XX/XX/XXXX until XXXX. I refuse Discover to have access to my Tax Returns. Allowing Discover access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus & the authority to share all my private information with their business partners & affiliates.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry XXXX out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXXXXXX XXXX. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

ACCEPTANCE NOW XXXX {$5600.00}
Complaint sub-issue: Other problem getting your report or credit score

XXXX and Equifax are not sending me updates. I have written several letter over the past few months with no response. 
Equifax send email confirmation, but does not allow me access when I visit their website to check. I have requested numerous times for my reports to be mailed. This is very fustrating since they continue to report inaccurate information on my credit report, which is against the law. 

Equifax Equifax Dispute Completed Notification RemindeXXXX. Confirmation Number : XXXX Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Sat, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Thu, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Sun, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Thu, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Equifax Equifax Confirmation Number : XXXX - Dispute Received Equifax Confirmation Number : XXXX - Dispute Received
Complaint sub-issue: Reporting company used your report improperly

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

I'm making this complaint to alert you that I was a victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of objects that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX  XXXX Balance : {$7200.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 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.