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

XXXX  refuses to remove fraudulent negative accounts from my report that are not mine. I have tried to submit disputes on-line and now they have blocked access to me doing so. This is in violation of the FCRA.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2021, I tried to add my newly approved Citi Custom Cash card onto XXXX XXXX. In fact my Citi mobile app prompted me to do so. 

This triggered a fraud alert on my Citi mobile app, which directed me to call Citi. 

I called Citi and talked to two different service representatives, who could not verify my identity. 
My code word did not work. They requested a landline number, which I do not have. Then they requested a work number, but I am a XXXX XXXX XXXX  with my own LLC. Then they asked if I have a Citi bank account, which again I do not have. I was told the only thing I could do is to wait for a letter in the mail with a reference, and I would have to call them again to verify my account. As a result I could not even sign into my online Citi account any more. 

I find Citi 's fraud alert system extremely cumbersome for the customer and does not make any sense. The method they employ is not used by any other industry peers. I have never had to jump through so many loops just to add a card to my mobile wallet. And this all before I started using my card.
Complaint sub-issue: Trouble with how payments are being handled

I am having trouble with Fedloan serving and my income driven repayment program and my loans in general. Last year for XXXX I submitted pay stubs and schedule of retirement payments for my self and my wife 's pay stubs and payment was {$XXXX}. I did the same thing for XXXX pay stubs and schedule of retirement payments for myself and pay stubs for my wife. Payment for XXXX is {$XXXX}. No employment or pay changes for either of us I have called the Fedloan servicing trying to get an answer as to why, I can not get a good answer. Today I was told I will make {$XXXX} more in XXXX then XXXX. That is why my payment has changed. 

I receive around {$XXXX} a month retirement and receive {$XXXX} an hour working XXXX. My wife makes about {$XXXX} a day as a XXXX XXXX working the XXXX year. The last week of XXXX to first week of XXXX. 


The loans I have were also consolidated before they should have been. I was told they could not change this because it is to late. 

I seem to get different answers to my questions when I call.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!
Complaint sub-issue: Information belongs to someone else

After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
Complaint sub-issue: Debt was result of identity theft

About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!
Complaint sub-issue: Billing dispute for services

Us Bank Repo my car XX/XX/XXXX sent me a letter stating i had until XX/XX/XXXX to Reclaim the car they towed it to XXXX XXXX with my Personal Items inside I was then sent a letter from the place that had my car I went on XX/XX/XXXX to Reclaim the car but the car wasn't there but my Personal Belongings were I ask where the car was she told me she had no idea I contacted Us Bank coming to find out from them no letter or anything that they Sold the car on XX/XX/XXXX which they were in the wrong for Saleing the car because pertaining to the letter they sent me I had until XX/XX/XXXX to Reclaim the car but they never gave me a chance so on my Credit Reports they have Remarks but the account is Closed
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 at XXXX someone used my VISA Cash App Debit card to purchase {$5400.00} worth of VISA gift cards out of XXXX  in XXXX NY . I still had my card with me so I thought it was some type of mistake. I contacted Cash App via email ( no one answered the number that was provided ) last week when the incident happened. I filed a police report today and sent several messages to Cash App concerning the fraudulent purchases. I have not heard from Cash App and XXXX  stated that I had to go through them since the purchases were made in-store.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear CFPB, Thank you so very much for taking my complaint, I am truly grateful. I have attempted in every way possible to dispute Late payment errors that never occurred with My XXXX  Loans which has been in deferment/income-based repayment since I XXXX  in XXXX, I was never ever late because no payment was ever due. All 3 credit Bureaus refuse to correctly investigate and remove these late payments, they are reporting them incorrectly and the lates doesn't make any sense as to how they are reporting them, starting off with late 120 days, then okay, then another 120 days, then okay, late 180 days, etc. recordings that's totally unheard of and totally impossible, this is not possible for a payment was never due, they have the same account listed over 15 times on my report with the same number but with different amounts. I have asked to remove all the closed XXXX  loans accounts, they are incorrect and they have refused to do so per my request per certified return receipt requests, I request this 60 days so far, every 30 days and still nothing. They take away XXXX points for 1 inquiry and never restores those points within 90 days as promised. I asked for the contact information to whom they spoke with, nothing. I have sent in proof of My HIPPA violation by XXXX XXXX  of my Medical Debt information, per what they supplied to me that they ( XXXX XXXX- they could not provide me a Debt Validation, they sent medical information without a HIPPA relation ) were sent from the client, they refuse to remove. I have requested all old addresses and old phone numbers to be removed, I have been at my present address for over 9 years and I have had my current phone number for over 10 years. They insist on not removing Alias of my name, I have never ever went by any other name then XXXX XXXX XXXX, never, and I have explained and explained and the Bureaus refuses to remove this incorrect reporting data. At this point, In accordance with the Fair Credit Reporting Act Equifax, XXXX, and XXXX has violated my rights as listed below : 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 I am sure they are violating many more of my rights, these are just the ones I have found so far, the Credit Bureaus ( all 3 ) are targeting me just to keep my scores low and this is the behavior that is not acceptable. 

Resolution, all the late payments on my XXXX  Loans be removed Resolution, XXXX XXXX be totally Deleted off my account Remove all old addresses and name alias Thank you so very much, for your assistance is greatly appreciated. 
With Respect, XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Conns keeps calling my family members and illegally disclosing details of my debt. They also frequently call 10-12 times a day at all hours on the same day the bill is due.
Complaint sub-issue: Account terms

I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX, XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting inaccurate and incomplete information on my Credit Report. After the dispute process the results were as follows " account data updated ''. The most current reporting still reports information which is inaccurate and incomplete. 
The following is a list of incomplete and inaccurate information contained in the reporting of XXXX account XXXX. Account was reported opened on XXXX/XXXX/XXXX however there is no reporting prior to XXXX
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I currently have my federal loans in borrow defense since XXXX the XXXX XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXXwhich goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Home Depot credit card open fraudulently in my name
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Can't get flexible payment options

I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..
Complaint sub-issue: Their investigation did not fix an error on your report

Please reference Complaint XXXX CFPB premature closed complaint against EQUIFAX. A complaint was recently closed which I initiated against Equifax and their disregard to the Fair Credit Reporting Act and the laws govern by both the State of Nevada and the US Federal Government. I believe that CFPB closed my complaint prematurely and whereas, my issue was in regards to Equifax habit and practice of not properly verifying the information which they insert into my consumer credit report. I am well aware of an ongoing investigation into the illegal practice of some creditors to continuously report an old closed charge off as a NEW CHARGE OFF. This in itself is wrong since a charged off account which is closed can not be updated each month as a new charge off and the document which I attached displays this practice. How can one closed charge off account be charged off over 20 or more times? Furthermore, I understand that a charge off account carries with it negative attributes which last for 7 years on a consumer 's credit file but to constantly misrepresent a single charge off as if it was a new charge off each and every month is illegal and deceptive at its core of fair credit reporting. If this is so-called normal practice then I will contact the US congress and my state representative because if my memory serves me well, this wasn't the case many years prior. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy EQUIFAX is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Frequent or repeated calls

Sallie Mae - They call and leave a message while I 'm at work I can not pick up, call right back and leave another message, all day long. Last I heard More than XXXX calls is considered stalking, is there anything that can be done? I do n't mind a call a day, but this is complete harassment. I am getting a message almost every hour during the day, if not more.
Complaint sub-issue: Was not notified of investigation status or results

Last Warning! Govern yourselves accordingly, Before i get to the aspects of my complaint I would like Equifax to know I've contacted my Secretary Of State to provide me the address to serve Equifax 's registered agent a federal Lawsuit for multiple negligent non-compliance violations. So Equifax Attached is the Cover Letter of Lawsuit papers i will issue if you dismiss my request one final time. 

Issue : Equifax removed items that were in dispute once, then lateXX/XX/XXXX they reinserted the negative information without properly informing me via a Letter and FCRA guildlines : FCRA 611 ( a ) ( 5 ) ( iii )  reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

DELETE THESE ACCOUNTS OTHERWISE I WILL FILE A LAWSUIT WITH OBVIOUS PROOF OF YOUR FAILURES. 
Accounts:1 ) XXXX XXXX XXXX 2 ) XXXX via Portfolio, 3 ) XXXX via XXXX.
Complaint sub-issue: Information belongs to someone else

all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;
Complaint sub-issue: Attempted to collect wrong amount

I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life.
Complaint sub-issue: Problem using a debit or ATM card

I have never recieved my old Us bank Debit card. Someone had stole and activating my old US bank debit card and stole all my funds out of my account. They had maxed my card out of {$15000.00}. i have never authorize any of those fraud transactions i had disputed immediately. I contacted police immediate and had submitted a fraud report for investigation. Us bank fails to investigate this fraud activity. They have never investigate this situation for over a year. I have been waiting months for them to tell me they dont have any investigation going on or any disputes.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX PNC allowed my business checking account to be charged by XXXX even though I did not have any funds in my account. They charged and overdraft fee and then days after charged additional over and over until my balance bacsme - {$220.00} overdrafted. I spoke with someone about getting the overdraft fees waived and their customer service reps tells me that they can not waive the fees. Now my account is closed as of today. I really need my account to be reopen if possible but I am not paying {$220.00} worth of overdraft fees which I feel is not fair at all. PNC please work with me to slice this issue and restore my account again. I also have a negative balance on my personal account as well and need to get those fees waived so I do not lose my account. My direct deposit will be coming to my personal account on XX/XX/XXXX.
Complaint sub-issue: Debt was paid

AR RESOURCES INC OPENED A COLLECTION ACCOUNT ON XXXX15 FOR {$610.00} ON BEHALF OF XXXX XXXX XXXX. AR RESOURCES INC IS REPORTING THIS DEBT TO THE CREDIT BUREAUS. THIS AMOUNT SHOULD NOT HAVE BEEN REPORTED TO COLLECTIONS BECAUSE IT RELATES TO EMERGENCY SERVICES PROVIDED TO ME THAT WERE COVERED BY FINANCIAL AID THE HOSPITAL APPROVED. THERE WAS AN APPARENT LACK OF COMMUNICATION BETWEEN THE HOSPITAL AND THE PHYSICIANS IN THIS REGARD. THERE IS NO DEBT.
Complaint sub-issue: Their investigation did not fix an error on your report

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. Kikoff Lending LLC, Account # XXXX, has violated my rights. 

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: Card opened as result of identity theft or fraud

I tried to call the numbers on the letter I received, however, they kept telling me to go online and complete the dispute papers. I didn't feel comfortable filling out forms that wanted my social security number, since someone has already applied for an account under my name to start with.