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

XXXX XXXX XXXX a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.
Complaint sub-issue: Other problem getting your report or credit score

I went to Equifax 's website about the security breach. They told me that my data was likely compromised. I tried to sign up for the free monitoring service. After one week ( not 48 hours ) I  received an email from trusted id customer service. To verify my identity, i was told a text was sent to my cell phone. it was not. When I asked for the code to be resent, I was told that I was already enrolled and to please enter my email and passcode. The password did n't work so i asked it to send a reset password to my email. It did not arrive. I called the number provided on the website to Trusted ID. The woman could not help me, unless i gave her information about loans that were 9-10 years old. I would like to know if my data is compromised.
Complaint sub-issue: Information belongs to someone else

I am consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of 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 by such agency.
Complaint sub-issue: Debt is not yours

I have been disputing with the XXXX credit companies about Bay Area Credit Service since XX/XX/XXXX of an account that they have in my credit file reporting since XXXX, XXXX XXXX. I sent certified mail requesting validation of debt, Bay Area received and signed for the certificate letter on XX/XX/XXXX. As of XX/XX/XXXX they have not sent me any proof of debt HOWEVER THEY keep RE-REORTING the same collection account every other day, in order to lower my score. Attached is certified mail sent to Bay Area. This company takes advantage of the consumer by doing as much harm as they can inflict. 

I respectfully request from CFPB to have this collection account deleted from my XXXX XXXX XXXX. And have them sanction
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Hello, I submitted a complaint #  XXXX  on  XXXX / XXXX /  XXXX  . Your company FAILED to respond to this complaint within 30 Days. In fact, it is now over 60 Days!     The contents of the complaint are : I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the   sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.  1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment 2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Unknown Judgment 3.  XXXX   XXXX   XXXX / XXXX /  XXXX    XXXX  4.  XXXX   XXXX   XXXX   XXXX  Not  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  over 120 Days  6.   XXXX  's  XXXX   XXXX   XXXX  Not  XXXX  7.  XXXX   XXXX   XXXX  8.   XXXX   XXXX    XXXX   XXXX   XXXX   9 .  XXXX   XXXX   XXXX   XXXX  10.  XXXX    XXXX    XXXX   XXXX  11.  XXXX   XXXX   XXXX   12.   XXXX   XXXX   XXXX  Collection I expect that you will provide verifiable proof as required under the  15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!     You have not provided me with any viable proof of ownership. An employee looking at a computer screen and sending me statements is NOT a form of verification per the statute of the FCRA  15 U.S. Code 1681g.      Please remove the above accounts from my credit report forthwith due to your lack of response of 30 Day turnaround.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1900.00}, {$2900.00}, {$690.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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

Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.
Complaint sub-issue: Attempted to collect wrong amount

In dealing with XXXX collection company i have had difficulty getting any proof of debt whatsoever. When i was first called they claimed i broke a lease early and owed {$2200.00}. 

On XX/XX/2020 i sent a debt validation letter asking them to provide the documentation XXXX XX/XX/2020 I sent an email with a copy of my notice to terminate the month to month tenancy well be fore the 60days provided in the lease. 

Iq data Int reported a collection account to XXXX XXXX  today without providing any validity of a debt. They even failed to check the box that the account is disputed as required by XXXX XXXX.
Complaint sub-issue: Transaction was not authorized

Bank account fraud. Bank was notified on XX/XX/2022 new card issued. Some transaction that I committed were given to me to negate there error in allowing my account to be overcharged by fraud, the other items could not be deputed till XX/XX/2022 cause they were in pending status. After pending status I went to the back to get the reversal of my lost funds in the amount of {$480.00}. Durning the dispute process a provisional credit was issued until the investigation was over. However just recently the funds were reimbursed back into my account and the provisional credit was removed. The bank stated per the representative that because I was in the area, I committed the fraud and the charges were legitimate.
Complaint sub-issue: Information is not mine

Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Complaint sub-issue: Right to dispute notice not received

IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. XX/XX/2022, I filed a Validation of Debt to the XXXX 's but still no response coming from them and refused to remove these inaccuracy items from my credit report.
Complaint sub-issue: Problem with product or service terms changing

Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.
Complaint sub-issue: Received bad information about your loan

I had contacted great lakes about my student loan. I told them I couldn't afford payments i couldn't find a job. So they put me in forberance but didnt quit explaining. It to me this was the end of XXXX. Well when I got on the pay as you go plan I got charged the interest than for some reason there was. Months were they put me in forberance tha. The same month on a payment plan and that went back and fourth like that for quite a few months. I turned in my paperwork at the end of XXXX but they didn't approve it till XXXX so I got charged interest. As well as XXXX XXXX to them about the borrowers defense they shut me down didnt even try to help. They know I work for a non profit organization and am gon na try for the pslf but they have never said that they don't dont do the qualifying for that as well as I've talked several times with the csr and wanted to make sure I was on the right payment plan to count for the pslf loan they would tell me one thing but than it would change I still dont know exactly if the pmt plan im on is correct i got nothing but resistance when trying the borrowers defense loan. The company is not very good and i dont feel that any advice they give is in to help me out. Just their pockets I learned that early on dealing with them
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I opted to open a citibank checking account promoting {$50000.00} for a {$1000.00} bonus. Ive met all terms and conditions. I never received the bonus. Several expedited inquiries, including requests from the branch manager have all been ignored. Its been OVER 5 months since the initial deposit was made.
Complaint sub-issue: Problem using a debit or ATM card

I XXXX XXXX have been been unemployed for the past few months. On the date of XX/XX/XXXX I started my first job in XXXX Ohio which starts at XXXX. I have video proof of me being at work also my card was in my possession .at approximately XXXX were 4 transactions that occurred .... there was XXXX for {$60.00} at XXXX ATM in XXXX Ohio . The second was for {$300.00} which at this point my account is official over drafted and my balance is below {$0.00} considering my initial balance was {$360.00} to now {$0.00}. Then there was {$600.00} debited from my account. The problem is I have video proof and witnesses that will confirm I was at work not even in the same zip code.the next problem is that Citibank allowed someone to take money out of my account even when my balance was negative. Something else thats quite interesting is that non bank atms only allow you to pull {$200.00} at a single time max. I then reached out to Citibank and explained my problem and I was told that a new card will be issued and that they would restore my account I was also given the claim number XXXX, and told all would be taken care of in 10 business days ... ... After waiting more then 10 days I called Citibank on XX/XX/2020 at XXXX eastern time ... where not only was I treated with the most disrespect but I also asked to speak to a supervisor thinking it would resolve my issues ... ... when I followed up with her she told me my claim had been declined and that a letter was sent to my home address. This was never received. I proceeded to ask her how is it that the letter states that it was in fact me and my card used at the debit machine .... I asked her how can that be if I personally have evidence showing Im at work over 22 miles away in a warehouse where I was on film loading trucks. I also stated that I know every ATM has a camera on it for security and I know that will also confirm my truth, I was then swiftly told that she was at the point where she can not answer questions or remain on the phone any longer ... .... the representative then proceeded to act like the were no longer on the phone, but then I realized she was just trying to continue to listen to me vent to my girlfriend for an additional 15 minutes but would ignore as I tried to acknowledge her .... so now Im here writing for help because Im now gon na be forced to pay money that was mysteriously taken from just to try to keep my credit in tact. Ironically this was just done during the covid pandemic..so basically help is either minimal or not their at all.. I also Researched that they did this to millions years prior which ended in a multimillion dollar suit
Complaint sub-issue: Other problem getting your report or credit score

Hi, So I placed my freeze on equifax and XXXX and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from experian so it tells me that the input data is correct. 
I called up equifax and i online chatted with XXXX and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?
Complaint sub-issue: Reporting company used your report improperly

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. 
Thank you
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry tried calling equifax to get this taken care of 3 times they said there is nothing they can do. 

XXXX XXXX XXXX and XXXX XX/XX/XXXX I did not authorize these inquiry tried calling and writing equifax they too again says it has to stay on my report after i stated I Maybe a victim of fraud
Complaint sub-issue: Public record

I recently filed a dispute with Equifax Information Services regarding a late payment being reported by XXXX XXXX XXXX for a personal account with a delinquency date first reported on XXXX and then again on XXXX. I advised Equifax that the information was incorrect due to the fact that during those times I was under federal bankruptcy protection and provided a copy of my bankruptcy XXXX paperwork which provided the start dates of XXXX - XXXX for bankruptcy protection. I then advised that under federal law they are unable to report any or update any negative or positive information on my credit file while I was under bankruptcy protection. Despite having the required documentation Equifax determined that XXXX XXXX XXXX was correct in placing this illegal negative report on my credit file, despite me being under bankruptcy protection.
Complaint sub-issue: Information belongs to someone else

This isnt my credit card I dont have a card with them, but its showing up on my credit, I would like it taken off.Citicards CBNA XXXX
Complaint sub-issue: Debt is not yours

There have been a few times over the last few years that I receive a collections notice regarding this false " XXXX  '' debt. Every time I contest it, stating that this is NOT my debt. Each time it gets resolved and the conclusion is that I do NOT owe this debt. 

Last year, approximate XX/XX/XXXX, ERC claimed the debt on my credit reports with XXXX XXXX XXXX I disputed the claim of debt. I contacted XXXX and engaged in a dispute claim of false debt report from ERC. XXXX did their own investigation, concluded that ERC attached this debt on my credit reports in error, and XXXX removed the false debt off of my credit report. The Confirmation # of XXXX XXXX investigation conclusion report # is XXXX, XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another letter from ERC stating that I owe this " XXXX debt '' ; account # XXXX. 

I immediately contacted CFPB for help to resolve the harassment from ERC.
Complaint sub-issue: Right to dispute notice not received

This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX