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

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Reports as well and the report numbers are XXXX and XXXX. The FTC Reports are attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number XXXX. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX - CARD SERVICE on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is attached in the documents with this report. 

Best Regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and XXXX.
Complaint sub-issue: Debt was paid

Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX   XXXX   XXXX   XXXX   in  XXXX .  XXXX   XXXX   XXXX   XXXX , SD  XXXX  made unauthorized payment on my account on  XXXX   XXXX   XXXX  when I called in they tried to blame me for making the authorization while i did not even initiate anything. on   XXXX   XXXX   XXXX   they send me an email asking to pay a minimum amount of  XXXX . This company is making fraudulent transaction and authorization without the knowledge of their customers to ruin their credit history.   Although, my account is a roll over account showing that minimum payment of  XXXX  is due every month.
Complaint sub-issue: Problem with statement of dispute

The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

None of my federal loans appear on my XXXX credit report.
Complaint sub-issue: Problem during payment process

Our business has been a long time Citi account holder and always paid our balance in full using autopay. In XXXX 2022 we stopped autopay and attempted to make partial payments online at the Citi site and got an error. Upon calling customer service and tech support, our issue was logged and we were told we would be contacted with additional steps or resolution for the error. Since then, I have called several times, filed a complaint with the XXXX XXXX XXXX XXXX ref XXXX ), sent secure messages on the Citi site and still we have no access to make partial or full payments online. We are extremely frustrated that this issue can not be resolved so that we can make partial payments on our own without the need for the auto pay setting on our account. I keep getting a lot of excuses from Citi and no resolution. No one person or department at Citi will take responsibility for this and each time I am contacted it is like starting all over so no consistency in action or building of action by Citi. I was even contacted on my personal cell phone and personal email about my personal Citi account rather than my business account and contact information, so clearly there is also a major issue with clear and proper communication to address a complaint at Citi. 

At this point Citi is falsely advertising the ability customers to pay in full or partial payments using the Citi website. We only have the option for autopay or phone in a payment. I can not believe all business trying to pay online with Citi are experiencing this issue. We have already tried multiple browsers as well as mobile access and still get the same error when attempting payments. We have removed and restored banking information and that too is not working. The specific error we are getting is " General Error, We've had a problem processing your request. '' It doesn't matter the amount entered, the same result happens. 

Citi closed the XXXX  complaint without fixing the problem so I now bring this to the CFPB 's attention that Citi has been notified of the payment issue for over 5 months and refuses to either remove the option for customer pay on its site or fix the issue. We have been forced to return to autopay to keep our credit and account in good standing.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Someone claiming to be calling from Americollect keeps calling my job asking to speak with me, and leaving me voicemail messages regarding a medical debt. They have been calling several times a week for at least the past year ( XXXX - XXXX ). I have contacted them in the past and asked for an itemized bill regarding the debt they claim I owe. They told me how much it is verbally but I have not received the bill to review and possibly dispute. I have asked them not to call my job and to remove any work numbers they have for me including XXXX, XXXX, XXXX and to only contact me via my cell phone number I provided them XXXX. I really don't want to talk to them at this point what I would like is an itemized bill to review to determine if I truly owe the debt they are calling me about, until then I would appreciate if they stop calling me because at this point it is stressing me out. I am a supervisor and my staff are receiving these calls.
Complaint sub-issue: Debt was result of identity theft

I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX - XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Complaint sub-issue: Other problem getting your report or credit score

I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.
Complaint sub-issue: Having problems with customer service

National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX2022 and on XX/XX/XXXX2022 and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account information incorrect

I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Complaint sub-issue: Account status

XXXX I contacted XXXX regarding my credit card account number XXXX I explained my dispute regarding this account is the XXXX reporting agenciesshow I owe XXXX a " XXXX XXXX XXXX Of '' {$3700.00}. However, XXXX " Charged OffAccount '' as of XXXX XXXX and issued me a Federal form XXXX requiring me toclaim {$2700.00} of this amount as income on my XXXX income tax return. I did claim this amount as required and paid income taxes on this amount. XXXX explained to mealthough I was required to claim this amount as income and pay taxes on it ; and I add in addition, XXXX deducted this amount reducing their corporate taxable income, XXXX submits I still owe them the total balance of {$3700.00}. I know for fact I had to claim as income {$2700.00} of this amount and paid income taxes on it, and I can presume XXXX reduced their corporate taxable income by the larger amount of {$3700.00}. Based on this information, I neither owe, nor does XXXX have any basis of which to claim they can collect, which they did imply they had by stating to me, " Although we are not " actively '' collecting, the balance is still due '', I am not satisfied with their answer ; therefore, I am pursuing you to resolve our dispute based on the above and following, but not limited to, information. XXXX I contacted XXXX at XXXX, her ID number wasXXXX. After I explained my previously mentioned dispute, XXXX said she wouldupdate my account with the XXXX credit reporting agencies based on the beforementioned information I gave her. XXXX/XXXX/XXXX - I receive a letter from XXXX stating the XXXX credit reporting agencies have been updated to state I still owe XXXX {$3700.00}, which includes {$2700.00} reported on the XXXX and the additional {$980.00} ( XXXX, XXXX {$980.00} ). I am submitting this to you to resolve because I am not satisfied with XXXX 's explanations for not removing the amount of {$3700.00} show as " Amount Past Due '' to the XXXX credit reporting agencies. I dispute XXXX should report an " Amount Past Due '' off {$0.00}. Please contact me at XXXX to resolve this dispute. Thanks so much, XXXX XXXX ( XXXX ) XXXX XXXX E-Mail : XXXXXXXXXXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable accounts showing on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Complaint sub-issue: Account status incorrect

Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.
Complaint sub-issue: Having problems with customer service

XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. 
I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 
1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 
3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. 
Please see my responses below to each numbered item. 

RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. 
RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. 

RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. 

CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. 
Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is Discover Bank. The inquiry date is XX/XX/2019. The bureau reporting is XXXX The company have failed to comply within 30 days. Thank You!