Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX Account Number XXXX Bal : {$300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my report.
Complaint sub-issue: Information belongs to someone else

I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following fraudulent account need to be deleted/removed : XXXX XXXX XXXX # XXXX XXXX-XXXX  XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!
Complaint sub-issue: Frequent or repeated calls

The company repeatedly calls throughout the day..3 to 5 times after the payment " due date '' .I pay my bill every month within the 30 day period before its reportable. I've never missed a payment in 19 months.
Complaint sub-issue: Information belongs to someone else

This happened in XXXX and it is now XX/XX/2019 and it seem as if this will stay on my report for 2 years. I am paying for something that was not dont by me. Macy has told me countless times they told XXXX to remove this inquiry. While XXXX have told me that they have not received anything from Macy about removing this Fraud Inquiry. I am sick and tired of these two companies failures to fix this problem. Macy knows that the application that they received was not even in my name and did not even have my social security number so why is it so hard to fix an mistake you made
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, 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: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I created a Virtual Account Number ( ending in XXXX ) to make an online purchase. I utilize Citis Virtual Account Number feature to set up disposable card numbers to make online purchases to guard against my actual card number being stolen. I had set the expiration date as XX/XX/XXXX and set the spend limit as {$40.00}. On XX/XX/XXXX I received a text and email from Citi asking me to call their Fraud Dept. I discovered that the Virtual Account Number I had created had been used fraudulently. I called Citi and the representative deactivated the Virtual Account Number, but then also told me I had to cancel my credit card and get a new card. I dont understand why I would have to cancel the card the thieves did not have my actual credit card number, they only had the Virtual Account Number. Multiple other charges were attempted using the Virtual Account Number, but they were declined because they were over the {$40.00} spend limit I had set. Only 3 charges, each under {$40.00}, actually posted to my account. I talked to 3 representatives and they all told me the same thing I had to cancel my credit card. This is a hassle because now I have to go contact merchants I have set up for auto-bill and change my card number on file. Why do I have to do this if the Virtual Account Number has been closed? The Citi representative told me I could not dispute the charges that were made if I did not close my card. Reluctantly, I agreed to just close the card. Now it is a week later, and only one of the charges that posted to my account actually shows up as in dispute even though I talked to multiple representatives, told them the 3 charges associated with Virtual Account Number ending in XXXX were not mine, and agreed to close the account, they didnt even flag all 3 charges as disputed and Im not able to do it myself online because I get an error message that I have to call them. Ive already spent 1 hour and 33 minutes on different phone calls with Citi and I can not invest any additional time into this matter. I am extremely frustrated that they made me cancel my card even though all the charges ( and attempted charges ) were made using the Virtual Account Number that has been deactivated. Citi call center representative obviously do not understand the product offerings, to the detriment of Citi customers. The entire point of a Virtual Account Number is so that it can be used to make purchases online and if the number is compromised, its easy to deactivate and you dont have to cancel your actual card.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Complaint sub-issue: Information belongs to someone else

Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance
Complaint sub-issue: Their investigation did not fix an error on your report

I am in receipt of my Equifax credit reports dated XX/XX/XXXX, I noticed the following credit inquiry on my report : ( See attachment ) The following unauthorized hard inquiry which impacted/lowered my credit score was placed on my credit report by XXXX on XX/XX/XXXX, without my expressed verbal, wriiten consent or knowledge. In addition, XXXX also placed an soft inquiry on my Equifax report on the very same date. 

I immediiately reached out to XXXX and asked verification and removal of the hard inquire placed on my Equifax report. According to XXXX they placed several requests with Equifax to remove the above mentioned inquire. 

I contacted Equifax several times attempted to dispute the above mention inquiry an was told consumers could not dispute inquires. I informed Equifax under the FRCA consumers are permitted to dispute any inaccuracies contained the consumer report/file which included hard inquires. 

Equifax refused to allow the consumer to dispute hard inquiry place on my report also refused to provide the contact information of XXXX i.e. address, telephone which FRCA requires Equifax to provide consumer with this information. 

To date Equifax had refused XXXX and the consumer request to delete above mentioned inquiry with full knowledge this impacts the consumer credit scores. 

I belive Equifax is targeting minorities with this practices to intentionally lower Americans of XXXX decents credit scores. 

This is not the first discriminatory practices of Equifax I have reported to the CFPB over the years and to date you have refused to provide protection to consumers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.
Complaint sub-issue: Can't get other flexible options for repaying your loan

FOUND OUT SCHOOL WAS A FRAUD.NOT ACCREDITED. UNDER LAWSUIT BY OTHER STUDENTS. CHARGE ME {$120.00}, OOO TO ATTEND. WHICH TO PURSUE LAWSUIT. WANT LOAN REMOVE FROM CREDIT REPORT.
Complaint sub-issue: Didn't receive enough information to verify debt

Procollect , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX, Regional VP XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX We leased 3 apartments at XXXXXXXX XXXX XXXX  for a job assignment in XXXX XXXX, LA. One of the workers was diagnosed with COVID, and we had to end the work assignment early as it was on a military base. 

We contacted the XXXX XXXX Property Manager, XXXX XXXX many times via email but she never responded. On our last day, we returned all keys. Two employees hand delivered the keys to XXXX XXXX. 

We began receiving collection letters and calls from Procollect , Inc. We requested documentation from Procollect but they never sent us anything. We emailed and called XXXX XXXXXXXX XXXX  and was ignored. Last week, we contacted XXXX XXXX XXXX via phone and email. Again, we requested documentation to support the alleged " late fees. '' No one will send us anything. 

We understand they could not collect due to covid, so we think they created late fees instead. Again, they won't provide anything in writing. 

Procollect expects us to pay this debt via phone without any documentation.

Now, Procollect has filed a collection on our credit file. 

We are seeking documentation immediately and the removal of the collections from our credit report. 

THank you, XXXX XXXX
Complaint sub-issue: Problem accessing account

We're purchasing a mortgage and there is a large amount of money transfering into another account and some money from both of my husband and mine accounts. When we're in escrow I did transfered for my husband XXXX. After that I tried to log in to my account and they keep popping up error code MFA few times. I called the customer service, on phone with them and they keep transfering. The second time they hung up on me. The first time the representative did helped me resolve. I tried again to log in and transfer money for my husband and again, error code MFA like XXXX is MFA.?? Now both of our accounts is locked and had no access. We're ON ESCROW RIGHT NOW AND we have to pay for the closing cost, the house that we rent. All of our money which is more than {$150000.00}. $ XXXX is blocked and can not access. Ridiculous. While i'm writing this complaint I'm also on the phone and they keep put me on the line waiting. I'm like what are you guys waiting for what? They verified my phone number, verified my account number, whatever they can verify they already did. Citibank please do better. We might go into bankruptcy because of this. thanks again Citibank
Complaint sub-issue: Trouble with how payments are handled

I have XXXX direct unsubsidized student loans with a current outstanding balance of approximately XXXX. In XXXX, XXXX, I began work at the XXXX in XXXX, West Virginia - a non-profit organization. Because of my continuous work with a non-profit organization, I submitted paperwork in XXXX, XXXX to ultimately have loans forgiven after 10 years of continuous service with the non-profit and 10 years of consecutive payments. My servicer at the time I submitted the paperwork was XXXX XXXX. My XXXX XXXX ID was XXXX. 

On XXXX XXXX, XXXX, I received an email from XXXX XXXX informing me that my loan would thereafter be serviced by FedLoan. Specifically, that email stated as follows : " Important Notice : Transfer of Your Loan Account Dear XXXX, The U.S. Department of Education ( ED ) will soon transfer the customer service of your federal student loan account to FedLoan Servicing ( PHEAA ), another member of ED 's federal loan servicer team. Your loans are not being sold. ED will continue to own your loans ; however, a different servicer will manage your loans and assist you on ED 's behalf. 
ED is transferring your loan account to FedLoan Servicing ( PHEAA ) because you requested to participate in the Public Service Loan Forgiveness ( PSLF ) Program. FedLoan Servicing ( PHEAA ) is ED 's servicer that provides customer servicer for all federal student loan borrowers who are potentially eligible for PSLF and tracks their progress toward qualifying for PSLF. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. 
Your loan account will be transferred to FedLoan Servicing ( PHEAA ) on or about XXXX/XXXX/XXXX. If ED does n't transfer your account as planned, we 'll let you know. '' Please note the language stating that the transfer would not impact the existing " terms, conditions, interest rate, or available repayment plans ... '' For the entire eight year period I have been paying approximately {$190.00} per month on my loans. 

Once the loan was transferred to FedLoan, I received a bill for {$320.00}. ( My FedLoan account number is XXXX ). That is an increase of {$130.00} per month. At least in my mind, a monthly increase of {$130.00} is a substantial change in the terms and conditions of my loan. I contacted FedLoan twice and all they would tell me was that my loan had been " recalculated. '' I could never get past the first person who answered the phone. 

The last few months, I have continued to make my regular payment of {$190.00} as I have made for the past eight years. Now, unfortunately, FedLoan shows me as delinquent because I have n't been paying the higher amount. This can obviously have a severe negative impact on my credit score. 

I am not trying to avoid payment. What I want is for the payments I have been making for nearly a decade to remain the payments I continue to make - i.e. {$190.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have several closed Charged off accounts on all 3 Credit Reports XXXX. Equifax. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX
Complaint sub-issue: Information is missing that should be on the report

Wrong job information on my credit report.
Complaint sub-issue: Deposits and withdrawals

I received a loan through my retirement fund, XXXX XXXX XXXX XXXX XXXX in the amount of {$5800.00} and deposited the check into my account at US Bank on XX/XX/23. Funds were available the following day ( XX/XX/23 ) in which I utilized a generous amount to pay off other accounts. Today ( XX/XX/23 ) I saw that US Bank had withdrawn the previously accepted check, leaving my account with a significant negative balance of - {$1000.00}. After speaking with US Bank, they said there was a discrepancy with the check and the provider. I contacted the loan provider and they confirmed that the check was good and that the check numbers and mounts matched. I spoke again with the bank and they were unable to provide anymore information. I am leaving for an international trip over the weekend and if I were reissued a new check by XXXX, I would not receive it by the time I will have left. I have multiple automatic payments coming up through US Bank and will be charged an overdraft fee for each payment. I was also told that my automatic payments may or may not go through if I am unable to deposit a new check before I leave for my trip, and that those decisions will be up to the discretion of US Bank. My credit score and my rent and utilities might be greatly affected if this issue is not resolved. The bank is unhelpful in solving this issue.
Complaint sub-issue: No notice of investigation status/result

I have disputed with Equifax numerous times about invalid hard inquires on my credit file and all I get in return is my report accurate and it 's mine. I do n't see how it 's accurate if i never applied with these credit card companies. I never applied with XXXX XXXX XXXX or XXXX, XXXX. I also disputed XXXX items that are on my credit report that are in collections which was already part of my bankruptcy and which should n't be on my credit report at all, they said it 's valid and refuse to move it. I sent a investigation to XXXX about the same items and they removed it from my report but Equifax wo n't do the same, here is my copy. This a violation to my rights as an consumer they refuse to send me any proof when I requested proof from their business and I still have n't received anything. 
Thank you for your timeXXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was discharged in bankruptcy

Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).
Complaint sub-issue: Was not notified of investigation status or results

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX