Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
XX/XX/XXXX still didn't answer back to me. 
Equifax and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.
Complaint sub-issue: Debt was result of identity theft

Collection Agency has asked all reporting agencies to delete this debt due to fraud. 

Equifax, XXXX, XXXX are still reporting these debts
Complaint sub-issue: Reporting company used your report improperly

I am submitting this complaint in regards to two accounts XXXX Bank and XXXX XXXX XXXX XXXX that I demand be removed from my credit report. I have submitted an FTC report ( number XXXX ) on XX/XX/2021 with my driver license and social security card to Equifax and they have not removed these two accounts. According to 15 USC 1681 b a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to have these accounts on my credit report no consent is identity theft.
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}, anXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2013 Balance : {$0.00}.
Complaint sub-issue: Problem with balance transfer

I called to do a balance transfer with citi mastercard by XXXX. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$2000.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$6000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another citi XXXX account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$6000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$2000.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.
Complaint sub-issue: Account information incorrect

Equifax XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number XXXX XXXX XXXX has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX  and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

have received repeated phone calls from XXXX XXXX for Credit Solutions, XXXX of Kentucky requesting I call them to give information about some debit. I have talked to some one at this company twice at XXXX. Initially when I called about 2-3 weeks ago ( unfortunately I did not record the date ), the man I talked with didn't even have my phone number recorded. According to him, the company was not looking for a " XXXX XXXX '' in XXXX, Fl. .It was supposed to be resolved than. Tuesday, I again, received another call and called back, once again, getting a man who was going to resolve.this issue. I told him the next phone call would either be to this agency or my attorney. Today, XX/XX/ between XXXX and XXXX I received another call. I do not owe any debts to anyone. My concern is that I will have some of my accounts could be garnished. I would appreciate any help that you could give me
Complaint sub-issue: Information belongs to someone else

Received settlement check from Equifax. They misspelled my name and now they are saying they can not reissue a check that deadline has passed. The representative on the phone said they deadline was XX/XX/2018 but the agent who email me back said it was XX/XX/2018. But my check is dated XX/XX/2018. I'm confused as to how I was supposed to know my name would be spelled wrong and would be receiving my settlement check after the deadline.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 Equifax received my documents disputing several accounts and inquires on my credit report. Equifax failed to remove all of the accounts and inquiries in it's initial investigation into my dispute. I have sent Equifax documents notifying them of their default. I will attach all documents pertaining to this issue below.
Complaint sub-issue: Contacted you after you asked them to stop

I received a notice that I owed over {$43000.00} for a vehicle accident I was involved in, but I was not the at-fault party in the incident. Out of the blue, over a year after the incident I get contacted by a collection agency asking for the money. I spoke to my family 's lawyer and he helped me draft a cease and desist letter via Certified Mail asking that they not contact me regarding this matter. This was on XX/XX/XXXX. On XX/XX/XXXX a new company sent me a letter regarding the same debt. Again, I sent a cease and desist letter which was received by the company on XX/XX/XXXX. 
On XX/XX/XXXX, I received another letter from the XXXX comapny - AFNI - which was dated XX/XX/XXXX. 6 days after they received my cease and desist letter. 

I want them to stop contacting me. The debt is not mine and how they decided to assign it to me months or years after I thought this was resolved is not something I can figure out. 

I am concerned becuase I purchased my first home in XX/XX/XXXX and now have something to lose shoudl someone try to come after me, even if they debt is not actualyl mine to pay. I don't know if the purchase of my home is public record and possibly these creditors or Insurance companies saw that I now had assets that they could go after - but the timing does make me suspicious. 
I don't know what to do. I am not overly concerned as I know the accident was not my fault and that if this ended up in court I would be fine based on the facts - but I also know that Insurance Companies, Lawyers and Collection Agency can be predatory and often have no regard for the truth. 
I researched my options and filing a complaint seemed like the logical next step in protecting myself and my family from this harrasment. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

To whom may be concern, I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Lake City Credit has been calling me during my work hours after several requests not to. After my most recent request not to call me during work hours they called me back immediately after I hung up on them. 

They are trying to collect a debt that is not only already paid, but well outside of the statute of limitations and not on my credit report. This is harassment. 

They have called me from the following numbers : ( XXXX ) XXXX ( 972 ) XXXX
Complaint sub-issue: Called before 8am or after 9pm

my wife passed away in late XXXX. right away i noftifed them take i would not be able to pay debt for very long. paid 3 months and every month told them that i could not pay any more because my wifes income was gone. my ss droped to XXXX plus XXXX pension total XXXX iam XXXX yrs old disable with health problems can not work. paying on a morgage on our home XXXX a month XXXX lot rent plus utility bills of over XXXX a month. the virus causes more problems people are not buying and i need special needs not in other home.s they tapped my phone lines XXXX i took the line off service. then my cell phone got taped and connot find a way to fix it. the company said there is no way./ they talk to me sometimes all night at all times my chimes on clock go off on half hour and the hour they scream over the phone to mimiake that. they scream to get up the coffee is ready. and every thing else they can do to keep me awake during the night. as i told them there is no way ever to pay the bills. i talked to federal attorney in XXXX and he told me they have no way to collect when there is no money. i took care of my wife for almost 4 years from XXXX  a sickness with no cure. bills were high and i did what i had to do. the listen to me XXXX a day. you must send me a letter to talk. .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , pa . XXXX. thank you
Complaint sub-issue: Account information incorrect

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX BANK XXXX XXXX Balance Owed : {$18000.00}
Complaint sub-issue: Received bad information about your loan

Upon graduation, I was unaware that my prior loan would not have a 6 month grace period. I received a 90 day late on my credit report and realized something was wrong. When I contacted XXXX, they offered me forbearance. I asked them about the late to my credit report and they said that I could provide my forbearance letter to the credit bureaus to have the late removed. To date, they have refused to provide me with a letter that states that my loan was in forbearance. They sent a flimsy email that I sent to the credit bureaus that did not change anything because the email is not an official letter stating that I was granted forbearance. Their actions have dropped my credit score by 60 points. Furthermore, they convinced me to sign up for paperless billing but do not tell students that in the event there is a problem with the account they will not call or write you. The email I signed up with years ago was hacked. I no longer had access to the email which means I did not have access to their noticing. This is unfair. It allows them to keep consumers uninformed and make statements like " the fine print in your contract says ... or we don't have to contact you because you're in paperless billing. '' It also allows them to get away with collecting additional interest and keep students in the dark. It's really unacceptable. I am repaying my student loan now but the damage to my credit has caused additional financial hardships which do not allow me to pay more on my student loans. XXXX doesn't seem to care about this because the longer it takes me to pay the more interest they can collect and the only way they can prevent people from paying is to damage them financially ( credit ).
Complaint sub-issue: Debt was result of identity theft

I found a debt collection amount {$720.00} on credit report which was XXXX XXXX bill in XX/XX/2017 by collection company AR RESOURCES INC. I didnt go to hospital during that time, I called them and disputed on line they were not removed it, because it is not my bill, there was somebody who stolen my personal information. ( original creditor was XXXX XXXX XXXX  )
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On XX/XX/2018 somebody tried to take out a loan on my name it was a fraud and the company refuses to close the account and remove from the credit report
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$490.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Contacted you after you asked them to stop

The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX   XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/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**** and XXXX XXXX****
Complaint sub-issue: Didn't receive enough information to verify debt

Please help me! I feel I am being taken advantage of by XXXX and XXXX XXXX and North American Recovery Inc. I had an account with XXXX Bank. That account was closed. I did not think there was a balance once the account closed. I have never been notified about this account. I never had the reason to look into my credit until now because I received a letter from the attorneys office about this debt. 

I have opened a dispute with the credit bureau as well as XXXX Bank, N.A.R. Inc & XXXX and XXXX XXXX. I feel this debt should not have gone to an attorneys office. I never received written notice or final notification. 

Every time I ask for additional information I just get a rude response. Calling XXXX and XXXX they keep transferring me to different departments giving me a hard time. 

Please help me get this account validated and authenticated. The balance is {$4800.00}. 
Ref. # XXXX - XXXX XXXX XXXX XXXX I have requested billing statements to verify debt as well as if they ever sent legal notices notfiying me this account was sold to XXXX.
Complaint sub-issue: Reporting company used your report improperly

The breach Equifax reported Thursday, is, very possibly is the most severe breach of personal information. By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be. The theft, by criminals who exploited a security flaw on the Equifax website, opens the troubling prospect the data is now in the hands of hostile governments, criminal gangs, or both and will remain so indefinitely.
Complaint sub-issue: Billing dispute for services

Ive disputed a couple things on my credit report on XXXX XXXX XXXX and here it is XXXX and they still didnt removed it nor proved that it was mine
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Problem during payment process

Summary of Issue : Citi Credit Cards is taking double payments by not showing current payments scheduled for the credit card. This happened once earlier this year. The resolution was to call my bank and dispute a payment. Now it has happened again and I can not even get in contact with someone at Citi. I believe that their XXXX app is purposely designed to be deceiving after this has happened to me multiple times. I would like other consumers to know of this tactic by this company as they do not want to resolve this issue. 

This happened on XX/XX/2020 {$3500.00} Payment 1 {$3400.00} Payment 2 - had to cancel via my bank XX/XX/2020 {$2400.00} Payment 1 {$2300.00} Payment 2
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX
Complaint sub-issue: Debt is not yours

Discover financial services, claim I owe them {$1400.00}, Ive tried to tell XXXX  that this account isnt mine and I want them to delete off of my credit report and they have refused to do so