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

A hard inquiry appeared on my credit report from Citibank Na, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XX/XX/XXXX reports but still remains on XX/XX/XXXX. I've since put a 7 freeze on for all the credit bureaus. I contacted Citibank, Na, waymc again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/XX/XX/XXXXand reached back out to Citibank again to request this removal. There was no change. I submitted section 609 letter XX/XX/XXXXsent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted XX/XX/XXXX and they have my documents on file but state the were not able to remove from my report due to the letters from Citibank were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..
Complaint sub-issue: Information belongs to someone else

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 I called equifax about these unauthorized inquiries and customer service would not help and take care of the negative inquiries reporting to my credit report.
Complaint sub-issue: Received bad information about your loan

I applied for the Temporary Public Service Loan Forgiveness Program. My loan counts are way off as they are not including payments I made from XX/XX/XXXX through XXXX of XXXX. Their reasoning is they can't find the payments and they don't have the bills I was issued. Therfore they say the payments are not eligible. How can a required student payment not be eligible.just because they can't find them? I'm sure i'm not the only person being denied this Forgiveness because the Department of Education can't keep track of payments. This is unfair and not my fault. I am distraught over this. How can it be fixed. I have called FedLoan and sent emails only to be blown off by staff. I have been making the required payments for 20 years. Tell me how to fix this?
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Complaint sub-issue: Problem accessing account

Would like to connect my account to XXXX and PNC is blocking.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On  XX/XX/XXXX  I reported fraudulent activity on my credit card in the amount of {$9800.00}. The dates of this activity were from  XX/XX/XXXX  to  XX/XX/XXXX . I also submitted a police report on this same date. The probable point of theft was from   XXXX   on  XXXX ,  XXXX , Illinois. Since my credit card was deemed " a bad read, '' I was directed to the ATM next to the service desk.  <P/> On  XX/XX/XXXX , I received two denied claims. I am very concerned that this is a beginning of continued denied claims.
Complaint sub-issue: Personal information incorrect

So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..
Complaint sub-issue: Billing dispute for services

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This day over forty-nine days later I have not received any response. I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within thirty days gives a reason to immediately remove those items from my credit report, it has been over forty-nine days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety this has caused me. My information was also impacted by the Equifax data breach which could have caused great harm.
Complaint sub-issue: Account information incorrect

XXXX XXXX  has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through Enhanced Recovery CoL on XX/XX/XXXX and again through XXXX XXXX sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.
Complaint sub-issue: Their investigation did not fix an error on your report

In this particular case, FedLoan had granted Administrative and General Forbearance on each of my accounts specifically for the time frame of XXXX to XX/XX/2017, this is also the time frame during which each of my Fed Loan accounts show as Past Due on credit reports from each of the credit bureaus. The purpose of the forbearance was to prevent the accounts from populating as Past Due - furthermore, it was explained to me by a FedLoan associate that by agreeing to Forbearance terms and interest rate changes, I would allow FedLoan to report a forbearance instead of a past due for this time period - which was entirely the purpose of agreeing to such terms - to prevent credit damage. It is therefore inaccurate for FedLoan to report this time frame as Past Due and for there to be no mention whatsoever of the Forbearance. The purposeful inclusion of Past Due and withholding of the Forbearance for the aforementioned time frame is both misleading, inaccurate, unethical, and predatory - and it places FedLoan in direct violation of the FCRA. FedLoan has not fulfilled its obligation to assure maximum possible accuracy of the information being reported. FCRA 623 ( a ) ( 2 ) stipulates that any information, once reported, must be promptly updated so as to maintain its current accuracy. In order to maintain current accuracy, FedLoan needs to remove all Past Dues being reported on my accounts from XXXX to XX/XX/2017 and assure that Credit Bureaus report this time frame as Forbearance instead. FCRA 623 ( a ) ( 1 ) stipulates that if information is reported, it can not knowingly be inaccurate or misleading - FedLoan has been made aware of this discrepancy on several instances and has refused to make any adjustments. Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. These discrepancies on my credit report have negatively impacted my life in ways I can not begin to explain. My credit worthiness outside of my experience with FedLoan is clean and blemish-free. 

The following accounts are reporting erroneous late payment information from XXXX through XX/XX/2017. These accounts are included in a hardship forbearance granted by FedLoan. The forbearance means that no payments are due and therefore no payments could be late on them. FedLoan can not state that the account is currently showing as Forbearance for that time period but continue to report that time period as Past Due.
Complaint sub-issue: Problem getting your free annual credit report

LexisNexis has duplicate information on the report. 

They provided a scoring system to XXXX XXXX that intentionally makes customers look negative so that the rates can be raised. 

For example in my case the scoring model was XXXX,XXXX.and XXXX. I have been a customer of XXXX XXXX for 10 years. The only claim I had recently was due to a Natural Disaster, Hurricane Irma, which XXXX XXXX did not pay everything. 

I had to get SBA Loan to cover the difference which I am still paying. 

the criteria that LexisNexis provided was 1 ) XXXX  - Too Many Active accounts - this is ridiculous. They do not even look at your payment record. There are 68 accounts of which 42 are Active and the others are clsoed. Most have XXXX balances ( 7 % Credit Usage ) and the others are pd and closed with no late payments. 
2 ) XXXX - Bad Debt - there are duplicate accounts that were included in Bankruptcy Chapter XXXX and they refused to fix the erroneous data that were included in chapter XXXX back in XXXX did XX/XX/XXXX - It has been almost 5 years since the discharge and now 5 years after the bankruptcy they report bad info to insurance and insurance is raising rates negatively affecting me by {$2000.00}. 
3 ) XXXX  - Accounts open in 24 months - This is working towards rebuilding my credit after my illness and the insurance company based on the LexisNexis report raised my insurance almost all of these accounts have XXXX balances.
Complaint sub-issue: Account status incorrect

On XXXX XXXX  2021 XX/XX/XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX, 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.
Complaint sub-issue: Was not notified of investigation status or results

To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.
Complaint sub-issue: Information belongs to someone else

I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX, XXXX - XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke to USBank back in XX/XX/2020 to see about a making a smaller payment due to my hardship with COVID-19. The representative I spoke with took my payment for {$100.00} and advised that she would ensure that any negative credit reporting would be placed on hold. 

I then go to check my credit in XXXX and US Bank reported my platinum credit card as 30 days late. I contacted US Bank platinum card services and was told that I had to write a dispute and mail it in. They have no place to send an email or research the issue over the phone. 

I then take the time to write a letter to dispute the negative 30 day credit reporting and mailed to US Bank. I have yet to hear about any results. 

I was given wrong information the few times I have called in and want the credit reporting fixed immediately. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation
Complaint sub-issue: Deposits and withdrawals

I opened an account with Citibank on XX/XX/2020 and had not used my account. I was going to use it as a savings account. while I was waiting on some funds to be processed at another bank I decided it was taking too long so on XX/XX/2020 I made an ACH deposit of {$60000.00} and I made sure that Citibank was well aware of the deposit in advance. I had asked questions along the way and made sure I was told the spending limits and learned the usages of my card. I was told that I would be upgraded to Citi Priority banking and that never happened. I had sent some XXXX payments to my son and that was the longevity of my account at Citibank. I also did have one additional deposit for {$1300.00} as well. 

Now at some point any and all transactions were declined and my account was blocked. However someone was using my funds in my account. A total of {$6500.00} is what I sent to my son in several payments over several days because my ability to send a wire was and is still blocked. 

I have not been able to manage my account and I have not been able to dispute any and all fraudulent charges on my account and I am told my account is being closed and that I will know more in 30 to 60 days which is insane. I explained to them that I have a bad problem with XXXX and that I need my XXXX  or I can die from a XXXX XXXX or many other issues due to not having it. I can't afford to buy it without my money I have no money because it is all in the account at Citibank. I also had previously before running out of my XXXX  explained that I had already put down a {$24000.00} deposit as the first portion of a down payment of a home that I am trying to obtain and that the other {$24000.00} was due on XX/XX/XXXX and that I would loose my {$24000.00} deposit as the first portion of the down payment because it was non refundable and I think they have already moved on and are in another deal now! 

Citibank didn't care and didn't do anything to help. lastly my father died during all of this and my birthday was last week. I didn't even have food or gas in my car on my birthday because of what they're doing to me. I need help and they need to reimburse me for all the money I have lost and all the money that I have had to borrow to survive during this time. I was moving into the new house and now I am bouncing around to hotel and to places I don't want to be I want to move into my house. I also successfully fully verified my identity every time I was asked to. Someone please help this is just a quick version of a very terrible situation
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Complaint sub-issue: Account information incorrect

Macy 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info.
Complaint sub-issue: Threatened or suggested your credit would be damaged

{$880.00} for a credit card from XXXX XXXX  XXXX has been turned over for collection to a Jefferson Capital System. According to my credit report, the account was opened on XX/XX/20. I have NO idea where this card was opened up or by who or where the charges occurred at. I don't know how to get this off of my credit as it's NOT me!
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt is not yours

On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.