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

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX  XXXX {$2600.00} XXXX   XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX XXXX {$7100.00} XXXX  XXXX 'XXXX  XXXX {$1600.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX   XXXX  XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX  XXXX {$3500.00}
Complaint sub-issue: Inadequate help over the phone

XXXX derogatory reports from the state of SC were expunged from my credit report without any problem. Afterward, Equifax decreased my credit score by XXXX points. I had no other changes in my report that would cause this to happen. My credit score should have increased rather than decreased. I tried to talk with someone from Equifax , but the conversation went in circles without being resolved. I also faxed over a letter requesting an answer to explain why an improvement in my credit history would cause my credit score to decrease. I feel that I will need to get a higher authority involved to solve this problem. I feel that I have been discriminated against and my rights are violated.
Complaint sub-issue: Account information incorrect

Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
Complaint sub-issue: Can't use card to make purchases

citi Card places a 14 day arbitrary hold ( payment float ) on my credit line for purchases when I make an electronic payment on my balance prior to the due date. When I call they advise me because I am a " new customer and we do n't know you or trust you yet so we have to wait 14 days to verify the information from your bank XXXX, due to my payment pattern on auto pay '' * in broken English/XXXX. I made my last payment on XX/XX/XXXX the due date and the funds were transferred from my XXXX account on that date and cleared my bank on XX/XX/XXXX. I was provided a note that my balance was paid and no late fee and payment of {$6000.00} received, however when I went to use my citi visa non XX/XX/XXXX I it was declined I called citi and was told it was due to a 14 hold on my payment, which citi received on XX/XX/XXXX from wire transfer from my checking account XXXX.  Basically, citi is committing fraud by " floating '' my payment of {$6000.00} for 14 days and denying me credit for future purchases why I have made on time payments.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX  XXXX about this account that incurred back in XX/XX/2018. As I stated to the representative, my state insurance, XXXX was active on XX/XX/2018 and that all medical bills that accrued between that time was covered by XXXX. I saw the doctor 6 times in the month of XXXX due to XXXX  and all those bills were paid by XXXX. So how was these 2 bills not covered when it ; s the same time frame.We then did a 3 way with XXXX and they told XXXX XXXX  XXXX that the bills had been paid and that I do not have any balance owed because all bills over 6 months are automatically dropped. XXXX XXXX has refused to remove this account from my credit report despite this information.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized inquiry/ inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Debt was result of identity theft

These accounts are an result of fraud XXXX  {$3500.00} XXXX XXXX  {$0.00} XXXX XXXX  {$2000.00} XXXX XXXX  CREDIT {$2500.00} XXXX
Complaint sub-issue: Fraudulent loan

Lease was funded using a fraudulently signed " Standard Buyers Order ''. I was never presented with this document while obtaining the lease, never signed this document, and explained this to XXXX over the phone in reference to COMPLAINT ID XXXX. All signatures and initials on this document do not match my own.
Complaint sub-issue: Problem using a debit or ATM card

I, XXXX XXXX XXXX, do not agree with the resolution of the claims that I submitted to Citibank for unauthorized transactions on my account on with my debit card that is in my possession locked in my room drawer. 

The reason for my appeal is that I am a XXXX senior citizen that has been in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX. Washington, XXXX XXXX facility did not allow food or drink to be delivered to the residents at any time. XXXX XXXX also did not allow the Seniors to leave the facility at any time, except to go to XXXX appointments in the XXXX XXXX. 

I filed the below fraud cases with Citibank. Please investigate ; CITIBANK Fraud case ref # XXXX for XXXX transaction equaling {$710.00} CITIBANK XXXX case ref # XXXX for XXXX transactions equaling {$1400.00} There is no way any XXXX XXXX or XXXXXXXX XXXX could be used during the periods in question. The Citibank representative informed me that Citibank put the funds back on my account and then took the funds back out of my account stating " Citibank did not have enough information to find out who defrauded me. '' If this is true, then why would my own banking institution allow me to be frauded by anyone and NOT support me after I have trusted Citibank with my retirement funds that I use to pay my monthly mortgage, utilities and living expenses now that I am back home from the facility. 

I have lost faith in Citibank as my Financial institution because of this. For these reasons I request this action be investigated and reversed because this is an unjust decision, and I should not be victimized twice by my own financial institution that is supposed to aid me and protect me and my retirement funds.
Complaint sub-issue: Debt was result of identity theft

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CBNA XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Debt was result of identity theft

I.C. SYSTEM, INC has posted a collection account onto my credit profile. I have no recollection of this bill. I am disabled and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; XXXX, XXXX, and XXXX. XXXX  refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by I.C. System 's and XXXX  's action. Please see the item below : Account Info I.C.  SYSTEM, INC Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}
Complaint sub-issue: Received bad information about your loan

I am eligible to receive loan forgiveness of {$17000.00} per the XXXX Loan Forgiveness Program. To receive forgiveness, you must be XXXX a qualifying subject at a Title-1 school for 5 consecutive years. I have fulfilled this requirement, though at two schools. My first two years XXXX, I was XXXX special education at XXXX XXXX XXXX XXXX XXXX which is in a Title-1 school district. I then moved to XXXX XXXX XXXX XXXX in XXXX ( Title 1 district ) and began XXXX 6th grade math ( qualifying subject ). I have applied for XXXX loan forgiveness ( which I know I am eligible for as a few of my colleagues have received forgiveness teaching the same subject ( s ) ) and have been rejected on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While I understand that my earlier applications were rejected due to submitting prior to end of the school year, the application rejected on XX/XX/XXXX was submitted on XX/XX/XXXX, after I completed my 5th XXXX  year, and my application was rejected as well.
Complaint sub-issue: Investigation took more than 30 days

I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a XXXX to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I contacted Cashapp via their chat support through their app. I submitted a dispute for a hotel stay I booked, but had to leave and did not stay because of the condition the room was in. The room advertised was not the room I was put in, was infested with roaches, and was under construction. XXXX XXXX, XXXX XXXX XXXX FL. I explained this in the dispute form. Since then I have asked 10 different dates for a status of the dispute, eight of those ten times I received auto responses stating they have escalated my dispute. Those dates are XXXX. The dates on XX/XX/XXXX are correct twice that day they said they escalated my dispute. On XX/XX/XXXX however prior to XX/XX/XXXX I received an email stating my case was closed because a response was provided or they have not heard from me in three business days. 

Lets back up a second, first they did not inform me this would go beyond the ten days for resolution, so they did state they had 45 days, yes that is true my 20 years of banking I do know that, however they did not offer or say they would provide me provisional credit for the time being. Correct me if I am wrong but does not REG EE state an institution can go beyond the 10 days I think it is to 45 days provided they offer provisional credit to the customer? I have no such offer. They have still not resolved this and all I got is auto responses most of the time, responses from real agents but you can only communicate through chat. It takes two hours for them to respond, by then I am off to something else, by the time I read the message they left the chat box having me to start all over again. Their practices should definitely be reviewed, I know for a fact they should be in violation of federal regulations. Finally they responded with the response provided from the merchant citing, " the hold off debit card was removed, so we ( we being cashapp ) are not sure what is the issue? '' How about that was never my issue to begin with, how about they read the dispute and know what it is the process they have in place. If I am able to upload the chat box conversation just be prepared to be mortified on how they handle these disputes. 
The Cashapp reference number associated with my claim is XXXX
Complaint sub-issue: Debt is not yours

XX/XX/17, XXXX along with ERC is claiming that I owe {$170.00}. Which I believe is FRAUDULENT. I never conducted business with XXXX during 2017.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.
Complaint sub-issue: Can't temporarily postpone payments

My student loan complaint is directed at FedLoan Serving 's incompetent and corrupt practices of repeatedly delaying/ignoring requests for loan forbearance processing, which has resulted in wage garnishment of my next paycheck. 

My complaint is that FedLoan does not have the right to such a collection, neither directly nor via a collection agency, since the forbearance should be granted and the improper collection action is due FedLoan 's negligence, incompetence and grossly irresponsible and corrupt practices. 

I assert that I am entitled to the forbearance I have requested based on the following : 1. I qualify for loan forbearance, as I did the previous 2 years at the same wage. 
2. I have been granted forbearance by XXXX for the loans which they are servicing, based on my current income. 
3. I have complied with timely submittal of my forbearance request and have sent repeated subsequent requests with supporting documentation and correspondence. 

I acknowledge that I borrowed money that I am obligated to repay. 
I have made regular payments on previous student loans when I had adequate income to do so. However, I am currently working at the wage I made 20 years ago, a net income of $ XXXX, and do not have means to pay student loans at this time. 

FedLoan has repeatedly taken 6 months or longer to process my forbearance requests, but in 2016 they have taken longer than 12 months to acknowledge and process my requests, which has resulted in a wage garnishment order. 

I received my FIRST and FINAL Notice of Garnishment on XX/XX/2016, dated XX/XX/2016. The notice states, " you may exercise the right to contest this actions '' ... but " because you have failed to comply with the terms of the previous notice, your exercise of this right will not result in the delay of wage garnishment ''. 

My current bi-weekly net income = {$750.00} ; the wage garnishment bi-weekly amount = {$130.00}, leaving me a bi-weekly balance of {$610.00} ( $ XXXX ) for bills and living expenses. The result of FedLoan 's incompetence has put me in dire financial circumstance.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been XXXX XXXX  due to XXXX  I never tried to apply for anything. I need these companies removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a TAX LIEN on my credit report that 1. is over ten years old and needs to be removed & 2. The reporting and filing status is completely bogus. I had paid this long time ago. 

I reached out to Equifax over two times and today will be the 3rd time. This tax lien is keeping my husband from qualifying fo r a new home since they consider my debt. 

Please help me get this resolved with Equifax so I can make a better life for my family. 

Thank you
Complaint sub-issue: Information belongs to someone else

I noticed there are lots of accounts on my credit report that does not belong to me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court.
Complaint sub-issue: Public record information inaccurate

I have submitted several disputes to the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. My issue is that I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX on XX/XX/2019. Yet, Equifax has sent me a letter on XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I am demanding that Equifax remove this Bankruptcy immediately from my credit report, not just saying they verified with XXXX or XXXX, as I have tangible evidence that contradicts what they are telling me. 

Actions like this is the reasons why consumers do not trust credit reporting agencies, as they do not verify items, they merely parrot XXXX.
Complaint sub-issue: Account information incorrect

Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at zero unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and XXXX XXXX that I see I am not alone ... ..
Complaint sub-issue: Information belongs to someone else

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX  however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Complaint sub-issue: Fee problem

Back in XX/XX/2020, I called Citi to downgrade my account. But appearantly they failed to do so. And after the downgrade call, I withdrew the money I need and left the acount as is since the remaining balance will meet the requirement to waive the monthly fee. But due to the failure of downgrade, my checking account keeps been charged monthly service fee since XXXX 2020 till today. I have contacted the bank online and via phone to request the refund of those service fees. {$25.00} per month XXXX And they are not willing to refund all of the fees they charged.