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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted XXXX XXXX  regarding a XXXX card that I paid off in XXXX of XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a XXXX and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from XXXX and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with XXXX. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on XXXX. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from XXXX that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from XXXX stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from XXXX leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

XXXX XXXX
Complaint sub-issue: Problem with fees

I made a purchase that I believed to be on my debit card with XXXX on XX/XX/2017 that was charged to my XXXX XXXX credit card instead. 

XXXX had switched cards between companys so no records of any debt were on my online account and no bills were sent to me. XXXX if there was any issue had the ability fo notify of any debits, but, likely due to inefficiencies did not until 3 months later where I was notified of a statement. Seems odd that they would not notify me earlier if there were any debts. 

This statment initially showed a dead, no balance account, as was shown when I checked in with XXXX in early XXXX. 

Despite this XXXX 's attacked my credit rating, has refused to correct the misreporting, and had penalized me in fees ( which I paid to stop the credit damage from them ).
Complaint sub-issue: Problem getting report or credit score

They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship
Complaint sub-issue: Old information reappears or never goes away

Account for XXXX XXXX is older than 7 years and has not been removed from XXXX, or Equifax.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXXXX/XX/XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I used my Citi Dividend card only for my XXXX subscription and I typically end up paying the amount due and the upcoming charge at the same time, so it is not unusual to only get a statement every other month. I didn't think much of it when I didn't get any emails from company for a while. It was a big problem however because I did not get a statement for months, and so was unaware that they charged me late fees on a balance I didn't even know I had. Last email I received from Citi prior to suddenly learning on XX/XX/XXXX have a balance of {$90.00} plus including {$70.00} or so of late charges, was XX/XX/XXXX. I checked every email folder I have any I have no emails from Citi in this range. The company says that they tried to call me ... while I was at work and not able to answer the phone, and left me no messages. They stated that they are barred from leaving messages due to privacy requirements. Called the company, and they refuse to take any responsibility for their failure to communicate with customers on a basic level. After over a half hour, I just had them cancel the account. I can't trust them to not charge me without notifying me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: You told them to stop contacting you, but they keep trying

I have had several problems with CitiBank calling me after I have asked them not to contact me by telephone and yet they continue to do so. No lawsuits are currently filed on this matter as of yet. Attached is a screenshot of the Caller ID from CitiBank ( XX/XX/2019 Call ). The same telephone number matches the number that is in their Terms And Conditions. They called me using an automated dialing system and they recorded my telephone call as well.
Complaint sub-issue: Information belongs to someone else

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Equifax, XXXX, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that Equifax, XXXX, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of FrauXXXX, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Complaint sub-issue: Debt was paid

On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and Unifin ( they were hired by XXXX XXXX XXXX XXXX said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the Zero balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a zero balance letter, but they only seem to be having me run around in circles
Complaint sub-issue: Reporting company used your report improperly

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  Need to be reflected as paid in full and deleted from my account. Company aggred to refelct paid in full no late payments and deleted from account.
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. 

Accounts : 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 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I can not remember, one dispute opened with Citi Cards, that has been resolved in my favor. 
XXXX is the merchant responsible, and under which umbrella, a few individual stores sell articles at a such poor-quality using false advertisement, that it became insulting. When confronting on the low-quality products, they use tactics such as delayed response or obstructive and convoluted requests for proof, that the buyer claim runs out of the 30 day-protection guaranties. Not only XXXX XXXX XXXX has created an evidence cheating pattern that works well with the Citi card dispute team, but also the claim resolution always favors the large customer. It looks like that is Citi Cards ' policy. 
I emailed incontestable evidences ( dates and copies of previous emails w/contacts, pictures, receipts for returns, etc. dated XX/XX/XXXX and XX/XX/XXXX to XXXX ) and in 3 separate instances related to this claim I spoke with inexperienced assisted agents ( clear second voice in the background ). I was given unfunded reasons for their resolution like : they could not see the pictures I sent, or could not open the files or attachments (? ) and the letter from XX/XX/XXXX with customer service team conclusion sounds like this : we did not receive the proof or proof you returned the merchandise. 
Between Citi Cards dispute department pretending to protect the consumer, and XXXX XXXX XXXX evidence cheating pattern, the latters confidence and its brazen assurance of win will just perfect charlatanic schemes. Due to the lack of respect and consideration shown I will close all my bank/cards account with Citibank.
Complaint sub-issue: Not given enough info to verify debt

through my own investigation I found the Original Debt is from XXXX claiming I had a balance due of {$1300.00} not covered by my medical insurance from my child 's hospitalization on XX/XX/XXXX. I am Still disputing billing practices by the hospital and medical coverage. 

The debt collector RMB INC not only has failed to respond to certified DEBT VERIFICATION requests. They have changed the activity date to " re-age '' the account. The latest date list the account active as of XX/XX/XXXX. I have only communicated with RMB INC once when I sent a debt verification request. I have not had any other communication with the original creditor or debt collector since XXXX. 

in reference to the debt verification RMB INC has not provided me with a response for the following requested information : 1. What the money they say I owe is for ; 2. Explain and show me how they calculated what they say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Prove that they are in the same State and County where this allege debt was incurred ; 8. Show me that they are licensed to collect in my state ; 9. Provide me their license numbers and Registered Agent. 
These questions should be answered also : 10. Who is the current owner of this alleged debt? 
11. Who is the original creditor for this alleged debt? 
12. If RMB INC is the current owner : a. When was it purchased? 
b. Who was it purchased from? 
13. Have you assigned the alleged debt to another entity for collection? If so, who? 
14. If B INC has sold or otherwise transferred this alleged debt, to whom was it sold and when? 
15. Proof of last day of activity
Complaint sub-issue: Debt was result of identity theft

MACYS/DSNB XXXX XXXX XXXX XXXX, OH, XXXX XXXX FTC - Affidavit issued on XX/XX/2020 with letter suggested from FTC website. Company does not send any information requested regarding the validity of this debt. Company does not delete information from my credit. 

Here the information requested on the letter. 

Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft  victim documents related to an account if the victim asks. 

Please send me copies of all records relating to the account, including : Account applications made on paper, online or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Complaint sub-issue: Account information incorrect

I Called XXXX because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports tillXX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and Equifax are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX2020 there is a unauthorized inquiry from XXXX Bank on my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT WHEN I HAVE NEVER DONE BUSINESS WITH THESE COMPANYS
Complaint sub-issue: Can't close your account

I planned to take advantage of a balance transfer offer from CitiBank. I went online and chose the option for a check for a specific amount to be mailed to me. That check never arrived, but instead I was sent some blank balance transfer checks, so I used one. However, the check I deposited into my checking was returned by CitiBank, costing me {$19.00} for the NSF. I checked with Citibank and they had put a HOLD on the first check that they had cut for me ( the one I never received ) and for that reason the second check - the one that I deposited - was not honored. I questioned Citibank on the fairness of doing this and asked for a {$19.00} refund. Citibank stated it could not provide a refund, so that same day, XX/XX/XXXX, I requested they close my account and refund the overpayment. CitiBank did in fact closed the account the same day, but they are still sitting on my balance and refusing to pay. It was my understanding that I am to receive a check for an overpayment within 7 days of written request. It has been over seven days and still no word.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.
Complaint sub-issue: Information is missing that should be on the report

I am an authorized user of a XXXX XXXX card, and have been for years. This credit card shows up on XXXX and XXXX, but not on Equifax. 

I have called Equifax and XXXX XXXX once a month beginning in XX/XX/2021. Each time I am told by XXXX XXXX  that they are reporting the information to Equifax every 30 days, but Equifax says they are not receiving any information from CXXXX XXXX 

Neither organization seems interested in helping me solve this problem. 

In addition to this, Equifax has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.
Complaint sub-issue: Information belongs to someone else

Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.
Complaint sub-issue: Information belongs to someone else

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.
Complaint sub-issue: Old information reappears or never goes away

I have one account on my credit report that i have disputed and been deleted twice. Now it shows to be back on my credit report. 
1. XXXX XXXX {$54.00}
Complaint sub-issue: Information belongs to someone else

I've been charged with borrowing money from the Lending Club on 3 separate occasions, and I haven't borrowed from them on any occasion. 

First Loan {$8000.00} Opened XXXX XXXX Closed XXXX XXXX Paid as Promised 2nd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Paid as Promised 3rd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Charge Off I've explained in 2 letters that none of the accounts belong to me, I've ask them to send me proof of ownership, and they have not answered any of my letters, They have sold the account to two other companies since then, I've ask them for the same information and they refuse to answer my letters.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I filed another fraud and complaint to Equifax about violating my rights. I spoke to a supervisor on said date and advised them of my filing with the CFPB. Little to my findings, Equifax supervisor illegal changed my last name and email address to avoid actions from CFPB reference # XXXX. I found on XX/XX/XXXX by their helpdesk that my email was changed and also, my credit report was updated to reflect the continuing fraud activity of XXXX XXXX XXXX on XX/XX/XXXX and Equifax failed to notify me because, they illegally changed my name and email address to scam the CFPB and the Federal Trade Commission to advise that I never filed a complaint but the complaint reference with Equifax is Confirmation Number : XXXX filed on XX/XX/XXXX and to prove that they illegal changed my name here is the other confirmation numbers which they have ignored : Confirmation Number : XXXX on XX/XX/XXXX, and Confirmation Number : XXXX filed on XX/XX/XXXX. Today- I called Equifax approx. XXXX XXXX central standard time : Spoke to XXXX in the fraud department -- She Confirmed someone changed my information on XX/XX/XXXX at a time that no recorded information was obtained to support the changes not only, she said, " The complaint date was also changed to XX/XX/XXXX instead of the confirmed email dated XX/XX/XXXX after I made the contact complaint. -- Attached are the supporting documents of the unauthorized changes that was made to my Credit Report ...
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 XXXXXXXX, XXXXXXXX # XXXX  XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, XXXXl # XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, 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: Information belongs to someone else

I have been trying to dispute fraudulent accounts under my name with the main three credit bureaus. XXXX  and XXXX  have taken care of the issue and deleted all the accounts that do not belong to me. As of today Equifax is still reporting those accounts as mine and it is hurting me to get a mortgage loan. I have submitted multiple disputes and they keep reporting the accounts. I have sent them my police report and all the documents needed to prove my identity. However, they have not taken care of the issue.