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

Please Help! I recently received a notice from XXXX XXXX that I was denied of credit. I called them to inform them that I didn't apply for any line of credit with them. I told them that an inquiry was placed on my consumer files and I didn't authorize. I have already filed a FTC report Exhibit A and the company stated that they have verified my information and that they would not be removing this unauthorized inquiry. They stated that the address on my application matches my information as if someone who may know my address can't apply for a line of credit with my information.The things is they also stated in this letter that I received that they were unable to to verify the identity of the personal guarantor. Exhibit B. As stated before that I didn't authorize this inquiry or apply for a line of credit. Exhibit C & XXXX are letters I have sent to the company to inform them that I never authorized this inquiry and they continue to report this unauthorized inquiry on my consumer reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

called TXXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this 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: Deposits and withdrawals

There was a little over {$300.00} on this joint account I had opened with my spouse that was flagged for fraud. Citibank, debited the amount but we dont have it. We have checked all of our other bank accounts and nothing was debited. When we discussed with multiple banking locations, nobody seems to know where that money went. 

We just need our money.
Complaint sub-issue: Public record information inaccurate

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores
Complaint sub-issue: Information belongs to someone else

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Their investigation did not fix an error on your report

Im going to make this as simple and clear possible. 

XXXX XXXX XXXX  acc  # XXXX -I had an account account 3 years ago that was closed after car was totaled. 

-last payment was made 3 years ago -the payment history is inconsistent with other reports and KEEPS CHANGING randomly even up to now -How can an account closed 3 years ago with last payment 3 years ago keep having changes to payment when XXXX XXXX says they send the same exact data every time?
Complaint sub-issue: Other problem

My last statement balance was {$370.00}. Best Buy/Citbank is showin a last payment on XX/XX/XXXX. They are showing a last payment made on XX/XX/XXXX. Yet I have made 3 subsequent payment after receiving harassing emails and phone calls. You can see from the attached that I made XXXX subsequent payments and am now overpaid by about {$500.00}. I also se that the money has been paid to Best Buy from my XXXX XXXX bank account. I am currently applying for a mortgage, and while Best Buy can see the payments, they can not explain the credits have not been applied to my balance. This is their error not mine, and I've overpaid by {$500.00} due to constant threats and badgering. What has me most concerned is that when I call customer service, they can see the payments, but can not do anything to stop reporting to credit reporting agencies. I want this issue resolved, a credit for my overpayments, and any progress with credit reporting agencies stopped.
Complaint sub-issue: Debt is not mine

My minor daughter XXXX was seen by the doctor. The doctors office took our insurance information and at the time we had XXXX. Despite having XXXX, we still received a bill. The bill has now gone to collections and is on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation/s Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Equifax is found to have violated XXXX XXXX XXXX ( XXXX ) ( a ) ( i ). As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Equifax. Equifax Does NOT have my permission to report any of my PRIVATE business from any creditor on my consumer report. Please remove all the accounts listed below and all the inquiries listed on my consumer report. I have in fact NOT given written consent to Equifax to furnish. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX College PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Complaint sub-issue: Debt is not yours

XXXX  claims that we owe them {$270.00} for services which we never received.We made our position clear but they kept harassing. And now what appears to be a third party sending emails and threatening action if we fail to respond to their emails. We are not even in a position to know whether the debt collector is a legitimate one or a scammer. We are asked to click on links like " Click here for more information about your balance '' or " Pay now in full ( you should!  ) '' a nd "  STOP SLACKING. '' Not only do we not owe this debt but we are harassed by this new entity using the shadiest e mail methods.
Complaint sub-issue: Didn't receive enough information to verify debt

I have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by CKS Financial, XXXX XXXX and XXXX XXXX is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and CKS Finance is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.
Complaint sub-issue: Attempted to collect wrong amount

Eos-Cca is trying to collect more after my debt has been " paid in full. '' On XXXX XXXX I received a call from my Rep who has been handling my debt from XXXX XXXX. The Rep asked me if I would like to settle this debt and finish the rest of the payments that day. I just got a nice bonus so I decided to pay it off. I asked the rep what is the total I owe today. He gave me an amount of {$430.00}. I was confused because to my calculations I still owed a little over {$700.00}. He said something about he had a couple payments unprocessed or something like that and I would just have to pay the remaining {$430.00}. I paid that amount and have received my Settlement letter stating that my " Debt is Paid in full. '' XXXX XXXX I received another call from another Rep asking me to pay {$810.00}. I had no idea what this debt was so I asked for the account number. I did not agree to pay because I wanted to cross reference the account number with my pass bills. Turns out the account number was the exact one from my settled debt back in XXXX. 

XXXX comes around and I decided to give them a call and explain to them what happened. I explained everything that happened in XXXX and I 'm not going to pay because I have already received my Debt settlement letter, which I thought was supposed to be a change in contract. They put me on hold to check some notes, He came back to tell me that the previous Rep made a mistake and my settlement letter did n't mean anything because it was sent on false records. I told them its not my fault. I was extremely upset that he told me my letter does n't matter. He continued to tell me that computers make mistakes and to settle my debt I would have to pay about {$370.00}. I have no idea how he came up with that value to settle my debt. I was not going to go through this all over again where a Rep gave me a bogus amount just to say they 're settling my debt and then receive another call 6 more months down the line.
Complaint sub-issue: Company closed your account

XXXX Purpose : {$4000.00} Cash returned to me. 

My Citibank DOUBLE CASH credit card, They were closed on XXXX XXXX but my {$4000.00} cash rebate was not given to me. 

Request CFPB to help solve. 

Above from : XXXX XXXX
Complaint sub-issue: Account status incorrect

I am resting a re-investigation of the XXXX  XXXX   XXXX  Collection account in the amount of {$570.00} by XXXX- Equifax and XXXX This account does not belong to me and should be removed and deleted- XXXX  has failed to provide a copy of any signature of a contract.The debtor XXXX  XXXX  XXXX is different from XXXX XXXX   XXXX  has listed. XXXX has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} XXXX XXXX XXXX  has never mailed me a collection according to the Fair Debt Collections act It is my belief that XXXX XXXX is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Didn't receive enough information to verify debt

IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.
Complaint sub-issue: Problem with fees

The credit card company " Discover '' refused to lower the 24 % fees or help by reducing the monthly payment. 
I could not continue making payments, due to lack of work and my SSI could not handle the extra fees and penalties. 
I am XXXX years old and SSI is my primary source of income. 
The credit card company added more fees and wants me to pay the new fees @ 6 % interest, but refused to offer that when I was able to make payment. 
XXXX help, I am being harassed by a loan shark that ruined my credit and I can't even get a HELOC Home Equity line of credit to pay these bogus charges because of my credit rating.
Complaint sub-issue: Account status

The home equity account has been paid on time for years. There have been no missed payments, and the account is in good standing, as listed on their own statements. XXXX XXXX Home Equity has repeatedly reported that this account is delinquent. These reports are false and have been reported several times. XXXX continues to submit misleading reports to the credit bureau.
Complaint sub-issue: Didn't receive notice of right to dispute

I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.
Complaint sub-issue: Trouble closing card

I received a debit card from XXXX, issued by XXXXXXXX XXXX It's a business debit card and I do not own a business, nor did I apply for it. I believe that someone opened this account with my name and address, possibly also using my SS number. I already had my identity stolen earlier this year when someone applied for unemployment benefits in my name. From what Square Compliance customer service has told me, the card is prepaid so nothing will affect me. For privacy reasons they won't confirm any other details, but they've assured me that they will close the account and investigate. They mentioned reporting the incident but I doubt if local police could do anything so I'm reporting it here. I still have the debit card but have not used it or activated it myself.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet the XXXX XXXX Compliance guidelines. I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected. I have mailed a notice of my intention to file an arbitration and I am also uploading the same documents to the CFPB for my records
Complaint sub-issue: Information belongs to someone else

I submitted a previous complaint, number XXXX, which was closed after Equifax responded -- but the response was in fact a non-responsive " canned '' and scripted answer to my particular issue that did not address my issue. <P/>My issue is that an erroneous inquiry was reported by a credit-issuing company to Equifax, and the erroneous inquiry impacted my credit score by tipping me from one category ( Good ) to another ( Below Average ) on the Recent Inquiries metric. I contacted Equifax and  submitted a faxed request for the correction as instructed by phone when they acknowledged the error ( a social security mismatch ). I have contacted the credit issuer and subsquently submitted a correction request with all the information they directed me to include when I spoke with them by phone and they acknowledged the error. <P/>The error negatively impacted my credit report two days after the erroneous reporting. It has remained negatively impacted for more than six weeks after I notified Equifax of the error. Equifax claims it may take them 60 days to correct their own error -- which is unacceptable given the importance of credit scores on a variety of life decisions including access to apartment rentals, insurance, credit, employment, etc.
Complaint sub-issue: Deposits and withdrawals

In XXXX, a US treasury note matured and was paid into my checking account. To earn some interest, I opened an online savings account with Citibank and on XX/XX/XXXX transferred {$100000.00} to that account. Several days later I received a debit card in the mail. Not wanting to have a debit card attached to an account with a substantial amount of money in it, I destroyed the card. 

Several days after that, I received a letter dated XX/XX/XXXX saying that Citi would not open the account because of a previous banking experience. ( I have no recollection of ever having had a bank account at Citi. ) I called the help line, spoke to a woman with a XXXX American accent, and asked her to return the money to the account from which it had been withdrawn. XXXX XXXX XXXX XXXX online. ) She said they couldn't do that but would have to mail a check to the address on record, and that I would receive it in three to five business days. ( With some difficulty, we established my identity after she had texted me a code. ) I waited a week, then another week, each day expecting that the envelope would arrive. When it didn't, I called the help number again and this time spoke to a man with an XXXX accent, very hard to understand. We went through the story again and he asked me a variety of identity questions ( which address associated with, what corporation associated with, the age of an individual connected to me ), all of which I answered correctly. But he said he couldn't find the account. I asked for his supervisor, which was done, and again we went through the process with the same result : nothing could be done. 

I then called the NH consumer fraud division of the state attorney general, which advised me to file a complaint through the New Hampshire banking commission ( which I have done ) and through you. I have also written directly to Ms XXXX XXXX, Citi 's CEO.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize nor consent to the following inquires being furnished on my consumer report
Complaint sub-issue: Account information incorrect

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Complaint sub-issue: Don't agree with the fees charged

Throughout the years, I have struggled to pay down my student loans when the interest is preventing me to do so. I am making payments over my minimum payment and the balance continues to grow - because the interest is so overwhelming. 

I can not get anywhere near the principal loan - and with the thousands I've paid over the years, my loan balance has increased by thousands as well. I'm up to {$65000.00} in student debt, even though I have been paying for years, to no avail. I am a teacher - I took out loans to advance my degree in order to get a better teaching job - but now, I'm barely able to make ends meet with trying to pay my student loans, which keeps increasing. 

I have reached out to Fedloan Servicing - the response has been deplorable. There is no relief from the company and they are not able to help when it comes to the amount of interest being placed DAILY on the accounts. 

The interest rate is criminal - and the company is making money off the backs of students who are trying to get an education to better their lives. There must be something done for those who are loyal payers to their student loans - but are unable to break through the interest to actually pay down the principal. 

My disgust for this company and the federal government allowing loan servicer to take advantage of students is ever growing. The debt is crippling and being a teacher, there will be no way for me to ever pay this off as long as the company continues to be allowed to put interest on the accounts daily. Something has to be done - these companies need to be held accountable - even if it means their CEO 's have to take a break from their luxury vacations on the backs of hard-working people.
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 {$2900.00}. 
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 ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.