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

equifax is not a good company to help you correct errors on the report. they put things on your report that is not correct that messes with your credit and when i called to ask them to get me back on the website it locked me out because their website will ask you 2 questions what car loan do you have and how much and what personal loan do you have and how much and when you say you dont have one it locks you out and when you call them to get back back in they wont do it. they just do this to get you to have to send in your ss card and drivers liscense in and this seems like a scam to me to do this on the website so you cant get a copy of or credit report so you can get off the items are are fals on their website. even the supervisor XXXX said she wont help to fix so you can get back in the website to get these items off the website. i told them i got denied credit and i have excellent credit but something you have on your credit report that you put on there that is not correct i need to get off but they wouldnt help me dispute it when i asked to dispute it. this company is a scammiing company how they put that question on their website to lock people out so they cant get into their website by asking everyone the same question when you dont even have a loan or personal loan to lock them out.
Complaint sub-issue: Problem with fees

even though I made payments to  citi bank..it w as n't the minimum..but now that I can make the minimum payment on a balance of {$12000.00} witch I am told is {$330.00} I 'm told I need to pay an extra {$290.00} and if I do n't I 'm going to continue to be charged a {$35.00} late fee ... this seems extreem
Complaint sub-issue: Information belongs to someone else

Hello, I am filing a complaint due to the fact that my credit score is being affected by someone else 's loans. I looked at my credit report and found out my credit score with Equifax is affected by someone else 's actions. The person 's information is on my credit report for some reason I do not understand, but what I do understand is that my credit is being affected drastically because of what the other person is doing. On my credit report that I printed out on XX/XX/XXXX, it shows I have asked for a credit card with a balance of {$12000.00} in XX/XX/XXXX, a student loan of {$1400.00} in XX/XX/XXXX and another student loan of {$3500.00} in XX/XX/XXXX, and a car loan of {$13000.00} in XXXX of XXXX. In which all of those are under Equifax credit bureau. None of those are under my name nor I have control of those accounts. I would like to eliminate all those accounts and the person who is showing up on my credit report, because it is affecting my credit therefore making it hard for me to try to progress. I appreciate the time and look forward into finding a solution regarding my situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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, 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
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.
Complaint sub-issue: Account status incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F ) XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court JP 5-1 ( XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from XXXX, XXXX Equifax, Case # XXXX XXXX County, XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened arrest/jail if do not pay

Company continues to call after being asked NOT too, harrasses, uses vulgar language and name calls, impersonates police officers and state authorities, makes false claims about opening criminal cases for not paying debt. Caller has never validated debt by mail or by phone, and will not allow caller to submit identity theft paperwork or police reports to their office. multiple callers will get on the line and shamelessly bash you into the ground.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.
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 Account # XXXX 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: Contacted you after you asked them to stop

I received a phone call from, GB Collects stating that I owed a bill to a company I had no knowledge of. I asked to receive information via mail regarding the charge and I would look it over. Around XX/XX/XXXX, I received a very bland letter in the mail stating that GB Collects represents " XXXX XXXX '' and that I owe an amount of {$700.00} - again no knowledge. 
On XX/XX/2021, I wrote a letter to GB Collects notifying them that I dispute the validity of the full portion of the invoice and that I was requesting verification of the debt to be mailed to me. GB Collects responded on XX/XX/2021 ( apparently they received my XX/XX/XXXX letter ) that " Our client has declined your dispute on this delinquent balance of {$700.00} owed to our client, XXXX XXXX, due to lack of proof. '' Question : If the company that states I owe a balance doesn't have proof of the balance then who has proof, and who can verify that I owe the debt? 
Additionally, in the XX/XX/XXXX letter I requested to " ONLY '' contact me via mail at the address they have listed on their correspondence. I specifically asked " DO NOT CONTACT ME ANY FURTHER THROUGH A PHONE CALL ''. 
Since the XX/XX/XXXX letter, I have been contacted via phone and with leaving a voice mail on XX/XX/XXXX, and XX/XX/2021 ( I can provide proof of this information ). 
Around XX/XX/2021 I received another letter stating that " XXXX XXXX will no longer tolerate any more delays in recovering their monies. This appears to me to be a threat or a scam as I have asked for documentation and verification of the amount stated to be owed and to no avail have I received anything.
Complaint sub-issue: Was not notified of investigation status or results

In my recent CFBP complaint I made it very clear that Factual Data that is hired by NJHMFA New Jersey Housing and Mortgage Finance Agency, check my credit without the proper procedure according to the requirements of a government Housing program that stipulate in a clear set of guildlines that MUST be met before anyone in the community seeking housing assistance through the well known Home assistance program : The Hardest Hit Fund ... with Governmental policy underwriters making the language absolutely clear that every participant of the greatly needed help of : The Hardest Hit Fund is required to display essential documentation to qualify for such assistance, and if those requirements are not met, there should be no attempt to apply.

Therefore, as I stated in my last CFPB complaint that went unanswered or acknowledged by Factual Data or NJHMFA, who authorized the credit check of my report with out the proper documentation to complete the process to qualify if I never was able to display all required documentation as demanded from the government program, financial-current mortgage documentation- other borrower on the loan- not able to refinance and remove borrower off the loan- No signature from other borrower.

Etc.

According to policy and procedures no members of the NJHMFA is to alter or use there own discretion to decide policy if the stipulations is clearly written who qualifies and who disqualified.

My credit should not have been checked if I was strongly identified as a disqualified participant from the initial request of assistance.

Also Factual Date Stated in their previous CFPB statement that I was contacted an was aware of the attempt made by them disputing their client inquiry when the facts remain I was contacted that very day of their CFPB statement on XX/XX/2019 via phone for the first time of some sort of investigation into this matter that supposedly taken place.

I was never informed of this before hand and never received any results of this investigation via mail, or Email or via phone call.

This is a false statement from Factual Data and a attempt to avoid the facts that this inquiry was initiated at their clients direction without the proper documentation necessary to proceed.

The underwriters of this program left no room for a discretionary policy which means, No NJHMFA employee has the ability to dictate or alter the directives of the underwriters of this government program.
Complaint sub-issue: Problem during payment process

Upgrade is not an honest operator. This is not like any credit card I've ever heard of! 
After using the XXXX XXXX Card from Upgrade for my expenses in XXXX, then making a $ XXXX payment by phone because the online system wouldn't take it, ( it wants to make you wait for the due date to suck every nickel out of you ), I found out Upgrade 's payment system never allows you to pay before due date, and they were running interest from the moment I swipe. So, on XX/XX/2022, I paid my full balance of {$54.00}. By the afternoon of XX/XX/2022. I owed Upgrade {$.00}. 
I called them. They said, " The interest keeps running while your payment is processing. '' I made them take the XXXX payment by phone and close my account. I was assured this would be the end of my association with them. 
Unfortunately, I forgot to delete the card from my XXXX XXXX account and {$.00} was charged to that Upgrade account today.

HOW? Upgrade swore my account was closed. Why wasn't that payment simply denied? I am XXXX  and XXXX. These people should not be allowed to pretend this is a credit card. It isn't. It just a scam. And they just lie to you and let you think you've stopped them, when you're still on their hook.
Complaint sub-issue: Debt is not yours

I dont think this debt is mine. XXXX called me on XX/XX/19 and notified me of a medical debt in my name. Because it was a collection agency and I am rebuilding my credit I entered a payment of {$35.00} a month. They promised to call me every month for payment. I asked during call will this be reported to credit bureaus they told me no, unless this went 90 days without payment. I called on XX/XX/19 and told rep at XXXX the arrangement and rep hung up on me when I requested supervisor. I called back XXXX times and someone picked up the phone and hung up. I called XX/XX/19 and rep told me they listened to call and told me they didnt say 90 days until credit reporting. I disputed with credit bureau. I told rep I will wait until dispute is handled until I make an arrangement. I changed my mind and called directly back to pay because I am trying to avoid bad credit. I called 3 times and was hung up on, immediately. XXXX is trying to ruin my credit. I have records of calls and payment.
Complaint sub-issue: Account status

They will not respond to any of my disputes. 
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.
Complaint sub-issue: Didn't receive terms that were advertised

I received a promotion ( detailed below ) for {$500.00} by email using promo code XXXX. 

On XX/XX/XXXX, I clicked on the link and opened the required Smartly checking account, registered for online banking and made multiple direct deposits exceeding {$6000.00}. 

I tried contacting the bank after completing the required direct deposits in XX/XX/XXXX to find out about the bonus, but the customer service rep asked me to wait for 60 days. 

I continued the direct deposits and have completed more than {$15000.00} in direct deposits. On XX/XX/XXXX, I contacted the bank again to check on the {$500.00} bonus. The rep first checked the promo code used which was XXXX and went on to check the details of the promotion. She then confirmed that I have satisfied the bonus requirements and am eligible for the bonus. She started opening a 'Missing bonus ' case for me, but later ran into some problems. She said that she will ask her boss to open the case later, and that the boss will contact me on the same day, before closing. 

Later that day, the same rep reached out to me and said that her boss clarified that this XXXX promo excludes Smartly Checking accounts. I asked her to email the promo details that she was reading to me. She said, emails are not possible, and said, her boss will try talking to me. I never received another call from the bank or the boss. 

Promo details below : XXXX XXXX is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : XXXX. Enroll in online banking or the XXXX XXXX XXXX XXXX. 
XXXX. Complete XXXX or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$500.00} when your direct deposits total {$6000.00} or more
Complaint sub-issue: Problem getting a working replacement card

On XX/XX/XXXX, I lost my credit card so I called CITI to order a replacement card, then I was told to wait for 7-10 business days. But after 2 weeks, I did not receive my card, I made several phone calls then, every service representative had their own version, a supervisor even told me to wait for 3 weeks because the card was requested to send to my foreign address ( I am asking them to send the card to my XXXX address because I am studying abroad for this year ) Then on XX/XX/XXXX, a representative said she would issue a new card and should have received it in 7 days, after the time, I called them again, and another guy said no one had ever issued a new card for me. They just kept me wait again and again with even no updates. 

Later, on XX/XX/XXXX, someone canceled the previous two accounts and claimed to issue a new account, and again told me to wait for 10 business days. The card was sent on XX/XX/XXXX according to their statementI still received nothing till now. 

There are a couple of points I feel angry : 1. The last time I called them was on XX/XX/XXXX, they stated that because I am currently abroad, not in the U.S. they could not send me a card, but actually I requested on last XXXX and XXXX due to card stolen, they did send a card to me in 5 days. Why this time it would be such a problem? 

2. I called several times, no one has ever tried to help me with the issue. I understand they need to confirm with my identity with the phone number on file or other info. but I explained a lot that I am not in the states I could not use that number, so I always provided the account number which used to pay for the credit card to finish the confirmation process. Why this time they could not do like this? 

3. Nothing has ever sent to me like the tracking number and the card updates, they just keep me waiting for almost 2 months with no explanation. I don't want to hear '' I am sorry but there is nothing I can do with '' anymore, because it means Citi group does not have the ability to solve a problem, even not a big one. What's more, when I tried to calm down myself and not lose my temper, they always are impatient to me. 

4. For the last time when they issued a new card on XX/XX/XXXX, I got a mail from Citi on XX/XX/XXXX said my account had been approved and I would soon receive my card. So there is not possible to attribute their fault to the delivery company because the address is correct and I can receive mail from Citi. I am really tired of hearing excuses like this.
Complaint sub-issue: Report improperly shared by CRC

I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}