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

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, Equifax, And XXXX have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Complaint sub-issue: Problem using a debit or ATM card

Over the last 3 months Ally Bank has repeatedly issued me debit cards that had fraudulent transactions against them before activation, or with minimal use and no disclosure of the card. I've spent about 3 hours total with them on the phone attempting to resolve these issues, the resolution being getting a new card issued, which then gets fraudulent charges on it before I have used, and this latest time, even received it. Why would I dare activate it on arrival if this problem is going to continue? I am currently out about {$160.00} while I wait for them to dismiss one of the charges that somehow triggered their fraud prevention but was approved anyway. I discussed that amount with an agent, who was very friendly, but didn't seem empowered to do anything to reverse it that I couldn't do on the website - she tried and it " didn't work '' - and I'm still waiting for my money back after having done it myself. 

Additionally, Ally 's fraud prevention department 's calling system calls from a number that is not shown on the card, which if called, asks for personal information without any proof that the caller is not the fraudulent party in the first place. People say to only call the number on the back of the card- why would a bank call from such a number? I explained this to an agent as well, but I think perhaps this is more of a concern for consumer protection folks than one of their agents. This is completely unacceptable practice in this day and age.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting on my credit report, this account doesnt belong to me.
Complaint sub-issue: Didn't receive enough information to verify debt

It looks like Jefferson Capital purchased a date on a XXXX phone service bill. I had to close the phone service account with XXXX after my phone stopped working because they said my used phone should not have been activated for service and I would have to buy a new phone to continue to use the XXXX phone service. I asked them to close the account since I would rather have a different provider without this kind of headache. 

One month of service was around {$57.00}. So they must have let the account run for three months not even attached to a usable phone and with no one using the service for three months before closing the account and selling this fraudulent debt to Jefferson Capital. The XXXX agent on the phone must have not wanted to close my account under his name to avoid bad stats for his own job. I've already tried to dispute this account with XXXX and Jefferson Capitol separately, but to no avail.
Complaint sub-issue: Account information incorrect

XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
Complaint sub-issue: Didn't receive enough information to verify debt

I apologize for disturbing anyone who may read this complaint but enough is enough I am tired of Enhanced Recovery Company Reporting this alleged debt on my Credit Report. 

I initially gave them extra time to respond because we are under pandemic but not it's been too long it is inaccurate and even worse it is unproven!!!! The Date of last activity inaccurate the date of first major delinquency not consistent with the Alleged original Creditors date This alleged collection looks reage I contacted them via mail to get them to send me the 1099-OID for this report and they did not reply at all not even with the original creditor or any file that may have answers to questions I have about this Account. So now I want them to upload the proof Original contract with the third party clause naming them as the rightful owners of this alleged debt Furthermore Upload the 1099-OID Original Issue Discount to this dispute portal So far they have not answered any of these requests yet continuously report on my credit
Complaint sub-issue: Debt was result of identity theft

My identification documents were stolen out of my gym bag at a public gym. In addition, I was a victim of the XXXX data breach.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I made a deposit into my XXXX XXXX XXXX account using my Discover credit card in the amount of {$1000.00}. I had placed a sports wager on the XXXX XXXX winning the XXXX XXXX on XXXX XXXX by XXXX points. On XX/XX/2021 it was announced that the XXXX XXXX quarterback, XXXX XXXX had COVID 19 and would not be playing in the Sunday XXXX XXXX, 2021 Football Game. I immediately contacted XXXX XXXX by XXXX XXXX and asked that they cancel my wager and refund my money due to the extenuating circumstances. They simply ignored my request and the XXXX XXXX XXXX ended in a tie XXXX to XXXX in XXXX. I filed a dispute with my Discover credit card Company who stated that a {$1000.00} provisional credit would be applied to my account ( Case # XXXX ) Its a month later and still no {$1000.00} refund to my credit card.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi refuses to issue a chargeback to a merchant that didn't delivery the service that I paid for. I purchased tickets on XXXX XXXX and they cancelled the flights. United States Federal Aviation Administration regulations require that airlines issue a refund when a flight is cancelled and the customer doesn't travel, which is the case here. 

XXXX is being unresponsive, so I have turned to Citi to issues a chargeback because I charged the tickets on their credit card. They refuse to issued the chargeback and also refuse to show where I agreed to terms and conditions that say the flight is non-refundable even if the flight is cancelled. 

My most recent contact with Citi was XX/XX/2020 and they said they considered the matter closed.
Complaint sub-issue: Debt was paid

This XXXX treatment was paid at the time of service.In addition I possessed XXXX insurance ( 100 per cent coverage ) at the time of treatment.I have disputed with XXXX and XXXX credit bureaus and only XXXX has deleted while XXXX has verified and XXXX has taken no action. 
I do not want to be designated and damaged by this debt being proliferated to 3rd parties, when in fact it is not owed
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Complaint sub-issue: Debt was result of identity theft

I disputed this account, with XXXX and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

In XX/XX/2022 my two federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and Equifax through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Complaint sub-issue: Account information incorrect

XX/XX/2018 XXXX  - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX  is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.
Complaint sub-issue: Account status incorrect

I began the loan modification process in the Spring of XXXX. All paperwork was signed and completed and returned to U.S. Bank in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at U.S. Bank. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to U.S. Bank not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

Bank of XXXXi credit card not mine
Complaint sub-issue: Reporting company used your report improperly

My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.
Complaint sub-issue: Their investigation did not fix an error on your report

Currently have student loans that are in loan forgiveness but shows on my report as late. From Equifax, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

I applied to an apartment and was denied because of an old outstanding debt that was never disclosed to me. I never received written notice, this debt never went to my credit report and I am completely unaware that this debt existed. There is still no written proof of the debt despite countless attempts to retrieve them.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 XXXXXX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX & Equifax have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.
Complaint sub-issue: Attempted to collect wrong amount

My account is over 7 years old and should have fallen off by now but the lender sold my account to another lender to start over.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

Although soft inquiries may not impact my score, the point is I did not authorize the inquiries. Furthermore, I understand why the thieves are inquiring but not the reason for Equifax constant  inquiries on my file.
Complaint sub-issue: Account status incorrect

I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.
Complaint sub-issue: Funds not received from closed account

I was working for a temp to hire company that paid me through the MoneyNetwork debit card. I had lost my debit card and reported it to MoneyNetwork. I was told they couldn't issue me a replacement card or transfer the money to another account but they could send me a check. 
I had moved onto a houseboat in a marina with no mailboxes except the marina 's business mailbox. I have a po box and they informed me they couldn't send the check to a po box .

I used a friend 's address and waited. Nothing. After multiple attempts to contact MoneyNetwork I wasn't getting any results. Called customer service and still nothing.

I finally came across a number and website for you. I wasn't sure who or how to contact anyone prior. After calling the phone number a woman directed me on what to do. About 2 weeks after calling MoneyNetwork customer service sent me an email stating they had sent the check in XX/XX/2022. I replied that I never received the check and asked what address they used and if the check had been cashed. No reply. After a few more attempts to contact still nothing. 
That brings me here today. 
It has been over 18 months and I really need my money. 
Thank you for your help resolving this matter. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Yes I have been saticefied with the actions of credit bureau when comes to my credit. I have submited Identity Theft Reports to bureau 's and there are still Addresses and accounts that they refuse to take off and it is affecting my ability to get credit. And I'm looking to buy a property in the near future.
Complaint sub-issue: Problem with product or service terms changing

I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.
Complaint sub-issue: Their investigation did not fix an error on your report

Mrs Bpo Llc is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.