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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX I obtained a commission advance from XXXX XXXX for the property at XXXX XXXX XXXX XXXX. in XXXX. I borrowed {$4600.00} and the amount due at closing was {$6800.00}. 

The property closed on XXXXthe buyer 's broker received the buyer as a lead from XXXX and XXXX was due a referral commission in the amount of {$4000.00}. 
It was XXXX 's responsibility to send their invoice to the title company, the closer I am assuming was confused and sent XXXX XXXX commission to XXXX. 
XXXX contacted me and told me they didn't receive their full balance and I owed them an additional {$2800.00}, which I sent to them on XX/XX/XXXX. 

I can't be certain about the chain of events as this was 4 years ago and a lot has happened in our world since that time. 
At some point XXXX, I can only assume sent their payment back to the title company and I was now responsible for paying the balance to them when the closer at the title company made the original error by not paying both XXXX and XXXX. 

I paid XXXX  XXXX {$2800.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$1000.00} and XX/XX/XXXX {$1500.00} to RAB , Inc collecting on behalf of XXXX 

Since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  has been contacting myself, my broker, my co-workers and the owner of the company I am now with, XXXX XXXX. 
The original company XXXX XXXX has since been dissolved.. 

On XX/XX/XXXX XXXX stated I owed XXXX  {$4700.00}, I paid them {$1500.00} that day and they received it XX/XX/XXXX, on XX/XX/XXXX, she stated I owed {$5300.00}. 

She has false statements and is striving to collect the wrong amount, she has also threatened myself and my current firm. 
XXXX XXXX has shared information improperly and threatened to take negative legal action.
Complaint sub-issue: Can't close your account

I have an account with Citibank that I opened in XXXX of 2020. With the pandemic, I was not able to switch over to the account that I opened. The account was charged a monthly fee of {$30.00} per month. I requested that Citibank reverse the fees for two months. The fees were reversed. The next thing I requested was to change my account type to avoid fees until I could switch over. Today XX/XX/2020, I was charged a {$34.00} overdraft fee for another {$30.00} account fee. I chatted with the customer service team and was told they can not reverse the fee or close my account. How can I be charged a fee for a bank fee? This is not right at all. The account has had no debits generated by me.
Complaint sub-issue: Account status incorrect

My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.
Complaint sub-issue: Problem with personal statement of dispute

When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. XXXX has removed these loans off my credit but they are still on my equifax and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - 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. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the XXXX  and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost XXXX  months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, Equifax XXXX XXXX XXXX {$850.00} XXXX, Equifax, XXXX XXXX XXXX XXXX {$470.00} XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  XXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts. I never applied for this companies, I don't have any contracts or agreements with this companies.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Problem during payment process

I mailed a payment to Citi on XX/XX/XXXX for {$10000.00}. 

I have had 4 separate calls with Citi since they received my payment and cashed the check on XX/XX/XXXX, but the payment still hasn't applied to my account. 

It has been over 30 days since they received this payment. Every time I call I get the same answer, which is that the payment will post in a few business days.
Complaint sub-issue: Account status incorrect

Upon checking my credit report in XXXX of XXXX, I noticed there was an error in status on one of my accounts. XXXX XXXX XXXX indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to XXXX XXXX XXXX informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/XXXX I sent Equifax a letter asking for validation and proof of my 'unpaid ' balance. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX XXXX XXXX XXXX Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.
Complaint sub-issue: Inadequate help over the phone

I filed a dispute with Equifax re : XXXX XXXX XXXX account in reference to the status of the account. They in turn removed/deleted the account history but left the status of the account as is. The account history showed payments made on time, never late. My dispute was how/why are you showing the account history as good standing yet you put 31 days plus in the status for the same account. 
XXXX XXXX XXXX advised they did not report his as 30 days late. I spoke with XXXX analyst at Equifax who saw this discrepancy but yet say they have to investigate, They opened XXXX disputes for the same issue, XXXXand XXXX, the later which took one day to remove the account history which was correct. They seem to see the conflict but wont do anything about it
Complaint sub-issue: Their investigation did not fix an error on your report

I ran my credit report threw equifax and noticed two inquiries shown on my report one from XXXX XXXX inquirie date was XX/XX/XXXX and the second inquirie was from XXXX inquirie date was XX/XX/XXXX i do not recognize or authorized either of these two inquiries so i contacted credit bureaus office equifax to dispute them and have them removed two times i disputed them with equifax, equifax stated that inquiries are a factual record of file access and would not remove them, i also reached out to XXXX  XXXX and XXXX and neither company has any pass or current account with me.
Complaint sub-issue: Account status incorrect

I recently filed a CFPB complaint ID : XXXX, where Equifax claims to have " verified '' information that is incorrectly reported on my credit profile. Equifax has not satisfied the requirements under 15 USC 1681i as it relates to the investigative process, Equifax needs to provide information about how they verified this information. Who did they speak to, addresses, phone numbers, what was said to verify this information? 

Equifax has also not satisfied the requirements under 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax has not followed reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. Equifax should also be working with the other CRA 's to make sure all accounts are reporting the same accounts with accuracy. The exact accounts Equifax claimed they " verified '' have been deleted from other CRA 's because they are in fact, inaccurate. Why has another CRA been able to verify that these accounts are inaccurate, and have been deleted but Equifax can not? ( See attached ) Equifax is also reporting that an open/active account has been closed by the creditor. This is inaccurate information. The account is still open. I have attached a new order where I used my credit from the account that is being reported as closed by the creditor. This also does not satisfy the requirements of 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax does not follow reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. ( See attached ) These are all known violations, that I expect to be remedied immediately. I have filed with the FTC report XXXX making them aware of this pattern of violations pursuant to 15 USC 1681s ( a ) ( 2 ) ( a )
Complaint sub-issue: Account status

I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Received an email from XXXX that my personal information was being used to open an account with Key Bank for a credit card.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with XXXX, Equifax, and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name XXXX XXXX
Complaint sub-issue: Account status incorrect

I have asked for validation to 2 collections on my credit report which is XXXX  and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX XXXX is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.
Complaint sub-issue: Their investigation did not fix an error on your report

Certain remarks were not properly verified or confirmed negatively impacting my credit score.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2022 my credit score changed on all 3 credit reporting agencies. On paper it shows with Equifax and XXXX that my credit score went up XXXX FICO points. They refuse to report it online. 2 months ago I sent a research request form to Equifax to change my credit report online. No response. I have requested XXXX to call me back and change my credit score online no response. Right now I only care about XXXX because XXXX  XXXX XXXX only works with them. I am trying to get a mortgage. All three credit reporting agencies should give me more than XXXX FICO points back. I had a XXXX late payment deleted from my record but all credit reporting agencies refuse to give me all of my points back.
Complaint sub-issue: Information belongs to someone else

I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$230.00}
Complaint sub-issue: Reporting company used your report improperly

Citibank sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at Citibanks executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXXat XXXX XXXX  I contacted Pro Collect Inc concerning a debt that reports on my my credit report from XXXX XXXX XXXX. I asked for proof of the debt and I was sent a ledger from Pro Collect. I did not receive a copy of a lease or proof that they were trying to collect a valid amount. They did not send anything with my signature on it to prove that i had a valid debt or contract from XXXX XXXX XXXX. They informed that they sent letters that was never received concerning this account. The ledger is not a signed document to prove that this is my debt nor does it show the valid amounts according to any lease agreement that binds me to this debt. This situation has been going on for over a month and I have still haven't received any follow. The letter that accompanied the ledger stated that their client the OC contends that this is a true and valid debt. This being on my credit report is not only messing up my credit but it is preventing me from receiving credit from potential lenders. I need this information removed from my credit report because it violates my rights and it doesn't show any validity of any debt or any correct amounts. How could I owe {$790.00} For rent, {$670.00} for reletting fees, {$790.00} for termination fees, {$740.00} for damages like trash, cleaning, misc., paint and locks plus rent in the amount of {$790.00} for each month from XX/XX/XXXX to XX/XX/XXXX that's almost {$2400.00} and late fees of {$450.00} totalling {$5800.00} with No such proof. How could I move out in XX/XX/XXXXand owe all of this money before I even moved. Not my debt and this debt is not valid. I am demanding that it be removed because my rights are being violated and demanding a contract with my signature that says I agreed to pay this or a agreement with my valid signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax on XX/XX/2021 because multiple accounts should have aged out. Both XXXX and XXXX have acknowledged that and removed the items from my report. Yet, Equifax swears that the dates they have are accurate. If they were accurate, why would these accounts come off of the two other credit bureau reports? I don't trust that the report they sent me on XX/XX/2021 ( the dispute results ) and would like them to either remove the aged out accounts or provide better 'proof ' that they verified the dates. Or are they implying that they know better than both the other bureaus?
Complaint sub-issue: Sent card you never applied for

Received XXXX credit cards from XXXX in mail with XXXX different numbers in XX/XX/2022. 
I did not apply for either of these. 
I attempted to get answers and close account via email and by phone without success throughout XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a complaint to Equifax and XXXX on XX/XX/2019 regarding my XXXX XXXX XXXX  - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.