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

My credit was pulled without my consent by XXXX XXXX XXXX XXXX XXXX  after I agreed to XXXX XXXX   doing a soft pull. I did not hear from this CU or consent to have my credit checked. I believe I submitted an online dispute with XXXX, but was unable to get confirmation by e-mail and when I tried to check the status online, I got a message that the service was not available. This has happened several days now so I called Equifax. I verified name, SSN, DOB, address, employment, I was asked about addresses and loans, none of which applied to me. Then asked about an auto loan, which I verified I had with XXXX   and the exact payment, and was asked if I had a credit card and how much the payment was. I told the guy sure I have many credit cards, and named off several. He said okay XXXX. I told him I owe around $ XXXX and the monthly payment was around {$80.00}. He then told me he could not help me and I would have to submit a dispute by mail. I feel like Equifax has me flagged or something for disputing information. They are by far the worst of the 3 major agencies and are always extremely difficult to communicate with. I will fax the information, but there is definitely a problem with the way they do business.
Complaint sub-issue: Problem with product or service terms changing

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I spoke with a supervisor and 2 employees, explained that I had an unauthorized inquiry on my credit report. I contacted the original creditors and they sent me supporting documents stating for the unauthorized inquiry to be deleted. The company never deleted the inquiry after multiple request.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had 3 purchases from a 3rd party on my citi card. I called citi to dispute and they took off and today I noticed 2 charges were added back on. I called in and was advised that citi returned the charges back to me because they said the purchase was in my name. I never purchased with third party and I use to like this card but now I will be paying off balance and closing account. Citi clearly doesnt support their customers. How you took off charges of all 3 and then only added back 2?? And say Im responsible for charges??
Complaint sub-issue: Debt is not yours

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Great Lakes. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX, a repossession agent of XXXX, MO contacted us regarding a XXXX XXXX XXXX that was financed by Ally Financial in my name on XX/XX/XXXX advising that I was to leave the vehicle at XXXX XXXX XXXX in XXXX XXXX, MO, that it would be checked in to the auction and that Ally Financial would notify me in writing of the redemption/notice of right to cure. Creditor failed to send proper notice of sale or my right to redeem.
The said vehicle was then towed by XXXX XXXX XXXX of XXXX XXXX, MO in XX/XX/XXXX under the request of XXXX XXXX XXXX. Ally Financial received certified mail on approximately XX/XX/XXXX ; failed to send notice of right to cure or redemption.
Ally Financial called XXXX XXXX onXX/XX/XXXX & XX/XX/XXXXwanting to charges according to the owner but never came to pick up the said vehicle. Again, failed to send notice of right to cure or redemption process.
Said vehicle was then sold at a private auction in XX/XX/XXXX by XXXX XXXX.
After said vehicle was sold, Ally Financial failed to send the required deficiency notice, stating the amount that the lender had credited me from the resale as well as a cancellation notice of the original sales contract.
After many attempts to reach Ally Financial, only to be shuffled around and not provided any documentation, I started receiving notices from XXXX XXXX XXXX XXXX. I had my wife call to see what was the account for and she was not only advised that if she did n't set up a payment plan on my behalf, they were going to not only sue me but my wife as well. Said vehicle was financed only in name before our marriage. As well as placing a garnishment on our wages and a lien against our taxes. She gave them banking information but advised that I would have to approve since the debt was not her name. My wife was advised that she was liable to the debt because we are married.
Again, did not receive any notice of right to cure or the deficiency notice.
On XX/XX/XXXX, I sent a formal letter disputing the debt under the laws of Missouri and UCC 9.506 as well as State RISA and MVISA statues, a deficiency can not claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.
On XX/XX/XXXX, I received a letter from Ally Financial that the repossession was in accordance with all state and federal laws. Letter states that I abandoned vehicle which is inaccurate due to their repossession agent out of XXXX, MO stated the location of where to leave the vehicle. Letter also states that it was referred to an outside collection agency, XXXX XXXX XXXX ( " XXXX '' ) which is not the collection agency sending the correspondence.of money due. I believe that I have been given the runaround on the debt, lender did not follow UCC 9-506, UCC 9-611, & UCC 9-612. Ally Financial also failed to provide and comply within 15 days of receipt of certified mail notice, received onXX/XX/XXXX, the alleged claim of a deficiency would be considered null and void.
Please note : the owner of XXXX XXXX is XXXX XXXX which is included in attached documents
Complaint sub-issue: Other problem getting your report or credit score

Date : XX/XX/2020 My credit score ( XXXX  and Equifax ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with XXXX  subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?
Complaint sub-issue: Debt is not yours

XX/XX/2014 For {$470.00} I have tried to dispute this account for years and no luck
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An unauthorized hard-inquiry was placed on my XXXX credit report today by CBNA ( Citibank ) with the address XXXX XXXX XXXX, XXXX XXXX, SD XXXX which corresponds with Citibank 's address. I contacted XXXX ( the sole credit reporting agency which provided the hard inquiry to Citibank ) and they said I would need to get a letter of deletion from Citibank to forward to XXXX which is the only possible way I would be able to get the hard inquiry removed. I then contacted Citibank multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and Citibank said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted XXXX again to let them know what Citibank said and XXXX once again said they can not remove the inquiry without a letter of deletion from Citibank. I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to Citibank 's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number. Citibank 's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears Citibank pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I filed an Identity Theft Report with the FTC. As recommended by them, I notified all 3 major CRAs by using the sample letter provided on the FTC 's website. The certified letter to Equifax was mailed out XX/XX/XXXX and was received by Equifax on XX/XX/XXXX. I attached the FTC-report, the letter to Equifax and the certified mail receipt/proof of delivery. 

On XX/XX/XXXX, Equifax responded in a letter ( Confirmation- # : XXXX, attached ), stating that " at this time, they will not block the information subject to the submitted identity theft and/or police report provided as part of the dispute ''. In addition, they stated that they would " contact each creditor directly to verify the accounts/s on my behalf. '' In my opinion, this was already a violation of section 605B of the FCRA since section 605B clearly advises the CRA what to do. Under 605B, a CRA can only deny a request to block information under specific circumstances and if they elect to do so, they have to inform the customer of said reason which Equifax failed to do in this letter. In addition, it does not make much sense to seek information from the original creditors to determine if ID theft occurred. Under 605B, it is the CRA 's job to NOTIFY the creditors of ID-theft, not to initiate a 30 day dispute and rely on information obtained by the creditors because in case of ID-theft, creditors often don't have this information. That's the idea behind 605B. 

On XX/XX/XXXX, Equifax sent another letter ( Confirmation- # : XXXX ), providing me with the results of their investigation. Only a few accounts were removed while others were " confirmed ''. Between now and then, even a " confirmed '' account was deleted by the creditor ( i.e. XXXX XXXX  ) which indicates to me that Equifax failed to investigate properly. 

As of today, the following fraudulent accounts are still not blocked on my Equifax-report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and ALL four ( 4 ) XXXX XXXX XXXX collection-accounts ( see attached list ). 

As I pointed out at the beginning, all 3 major CRAs ( so XXXX   and XXXX as well ) were provided with the same sample-letter and documentation. For your information, I attached a copy of their investigation results. As you can see, they have blocked ALL accounts in question from their reports.
Complaint sub-issue: Application denied

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Citibank. On XX/XX/2022, I applied for Citi XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Citibank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. 

I received a response from Citi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.
Complaint sub-issue: Debt is not yours

I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )
Complaint sub-issue: Their investigation did not fix an error on your report

I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called XXXX customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX : {$5900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax reinserted accounts that had been deleted and did not follow 1681 ( a ) ( 5 ) ( B )
Complaint sub-issue: Didn't receive enough information to verify debt

Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking at my XXXX annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XX/XX/XXXX, Citibank NA, BEST BUY put a hard inquiry on my credit report. But I did n't apply any credit card or load from Citibank NA, BEST BUY in XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are handled

On XXXX/XXXX/2014, I was granted and approved for XXXX application Account # XXXX, to discharge my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and FFEL Consolidated by Nelnet. On my XXXX and XXXX Credit reports under Dept Of ED XXXX/NELNET it states that XXXX and XXXX were paid over XXXX through ; XXXX XXXX, and XXXX XXXX stating that these accounts were transferred and reported this to all XXXX credit bureaus. This is incorrect. 
NELNET
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX, I gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were some issues surrounding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this issue was due to provider neglect. Further, none of the providers had followed up with me to check on my well being or explain why the traumatic experience had happen. 

After I was recovered from the XXXX I began receiving medical bills. I was in communication with the clinic on negotiating a payment, as my deliver seemed to not be properly billed to insurance. Additionally, I have communicating to the clinic about how I shouldn't be responsible to pay for a delivery that resulted in a very negative experience. 

Not shortly after the delivery, my medical bills were sent to collections. Within the short period of time that they were in collections at CBB, inc XXXX XXXX XXXX, I was in communication with the debt collector. I had notified them the issues surrounding insurance and that fact that I was working with insurance and the clinic to resolve my debt issues. 

On XX/XX/XXXX, I received a notice that legal action is being taken against me. I do not believe that CBB Collections has sufficiently put forth an effort in contacting me before taking legal action. Additionally, I had been the one to make the initial phone call to arrange a payment plan in XXXX of XXXX, which I had done. When I spoke with the debt collector on XX/XX/XXXX, he had mentioned that the payment plan wasn't complete and I had failed to sign a contract implementing the payment plan.
Complaint sub-issue: Was not notified of investigation status or results

Hi, My name is XXXX XXXX I reached out to XXXX and Equifax on XX/XX/2022 and it is now XX/XX/2022. I haven't received any information pertaining to my disputes of delinquent accounts on my credit report that do not belong there. Its been way over 30 days in which I have received a response in which they continue to have a XXXX card account and a XXXX unsecured loan that does not pertain to me or have the bureaus provided evidence on how these accounts are mine which is severely hurting my credit. I need the CFPB help in holding these bureaus accountable in which they are furnishing information on my credit report without my consent violating USC Laws, and FCRA violations in which I haven't received a response with 30 days pertaining to these accounts.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.
Complaint sub-issue: Problem lowering your monthly payments

XXXX   XXXX ,  2017 I am su bmitting this updated request because you are able to help us in so many ways. Although, there are some big companies who are not cooperative and would not help, the way you do but at least you are able to let them act partly on our complaint and grievance.   The last complaint I filed is about our private student loan with National Collegiate Trust, being serviced by  American Education Services.  My request was for National Collegiate Trust to lower our monthly payment because we have overpaid, National Collegiate Trust for so many months and years. By  XXXX   XXXX , 2017, they are expecting a payment of {$300.00} plus. I was paying them for {$150.00} dollars w hich American Education Services have accepted for more than 5 years up to this date.  The reason wh y, National College Trust  was overpaid, is becau se American Education Services did  not record our payment to each individual private loan. So, the  XXXX   XXXX   XXXX  ) of the private student loan from   XXXX   XXXX    XXXX ,   XXXX   XXXX   ,  and another student loan fro m National Collegiate Trus t /  XXXX    XXXX   XXXX    Collection agency  went on default.   All our payment went to this private student loan, disbursed on  XXXX / XXXX / XXXX , this is loan where all our payments was recorded and remitted to National Collegiate Trust. And this student loan of  XXXX / XXXX / XXXX , is also owned by N  ational Collegiate Trust.
We are appeased by American Education Services of the payment of {$300.00} for the time being, by    giving us  XXXX  forbearance monthly payment for  three ( 3 ) months of  {$50.00} for  XXXX  2017 for  XXXX   2017,  and for  XXXX   2017.    By  XXXX   2017,  we are expected  by American Education Services to pay, {$300.00}. This big amount we can not afford, beca use even as of this writing we do not have fund to pay our monthly home amortization and our other very urgent bills.   I would like to include and I am attaching a supporting documents about the lawsuit, filed by student against National Collegiate Trust, and we are very thankful to  XXXX , that we are included in the settlement for this lawsuit. Please help us negotiate with National Collegiate Trust an d American Education Services,   to allow us to pay, an amount of {$150.00}, the previous amount, we use to pay since, year  XXXX , up to  XXXX   2017,  We have completed the payment for the forbearance amount of {$150.00} for the  three ( 3  ) months they have granted to us,  XXXX   2017  to  XXXX   2017.    Thank you for all your help.