Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX at XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. 

The debt is either invalid or the entities above have perjured themselves in court. 

The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. 

Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
Complaint sub-issue: Account status incorrect

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due. 
I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Complaint sub-issue: Funds not handled or disbursed as instructed

I received " BASIC FORMATTED SECURE STATEMENT REPLY EMAIL TODAY ( XX/XX/XXXX ), TELLING ME THAT CITIBANK RECEIVED MY COMPLAINT { XXXX }, BUT " THERE WAS NO FURTHER INSTRUCTIONS / ACTIONS CAN I TAKE '' FROM MY DIRECT PHONE CALL ( XXXX ) TO CITIBANK XX/XX/2020. 

My problem with CITIBANK, is that I live in XXXX XXXX, TX and I am NOT CAPABLE OF not going to CITIBANK. I had to Mail-In a company check from XXXX XXXX XXXX when they closed my account ( {$740.00} - XX/XX/2020 ). [ through USPS ] I put in the SIGNED CHECK from XXXX  with my CITIBANK SAVINGS ACCOUNT NUMBER, ( WITH THE CHECK MADE OUT TO ME ), and " FOR DEPOSIT ONLY '', in a envelope that XXXX  provided me ; to THE MAIL-IN ADDRESS ASSOCIATED with TEXAS, [ Citibank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ] from the Citibank web-page Mail-In address. 

Since being a 1st time Citibank customer, I am UNABLE TO " ( COMMUNICATE CORRECTLY ) * WITH CITIBANK. ( either through Phone or Email ). 
On my CITI Accelerated Savings Account ( that I opened XX/XX/2020 ), I still got notified through automated phone service that I currently have {$0.00} balance as of XX/XX/2020. 


I COMPREHEND THAT CITIBANK KNOWS HOW TO CONTACT ME THROUGH MY EMAIL THAT I PROVIDED TO THEM WHEN I OPENED MY SAVINGS ACCOUNT IN XX/XX/2020, BECAUSE XX/XX/2020 ; I RECEIVED EMAIL FROM Citibank - Service XXXX, INFORMING ME THAT MY " APR '' ON CITI SAVINGS ACCOUNT DROPPED FROM 1.35 % TO 1.20 % .. 
I did access my Citi savings account from my apartment, approx 1 1/2 week ago and went to updated my Preferred Settings, so I just SELECTED EMAIL ME WHEN DEPOSIT HAS BEEN PROCESSED BY CITIBANK and CREDITED TO MY SAVINGS ACCOUNT. 

Since I just asked Post Office worker if I had correct postage on XX/XX/2020, to arriving correctly at Citibank, I DID NOT PAY MORE FOR CERTIFIED MAIL / RETURN RECEIPT. 
NOW, I don't " KNOW HOW I CAN RECOVER '' that check amount {$740.00}, that never arrived in my Citibank Savings Account., BECAUSE CITIBANK REFUSES " NOW '' TO HELP ME RESEARCH THIS PROBLEM and FIND OUT WHERE MY MONEY IS. 
( Customer Service just keeps on forwarding my calls to another representative, until the phone call hangs up from Citibank )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}
Complaint sub-issue: Information belongs to someone else

Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA.

Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor.

In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint. 

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.
Complaint sub-issue: Problem with rewards from credit card

I received an email from Citibank that I would receive XXXX Thank You Points toward my account if I referred my friend to a Citi Premier Card with the stipulation that he spend {$500.00} in the first few months of that card. I referred a friend and he was able to reach that required amount of spend. It has been roughly four to five months since I have referred my friend to Citi and they have yet to give me my promised XXXX Thank You Points. I want my promised points, I'm tired of calling in. My case has been documented all over Citi bank account.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX  XXXX  : XXXX>XXXX< XXXX  : XXXX><><. XXXX XXXX Equifax : XXXX  : >XXXX<XXXX XXXX  : XXXX  : >XXXX<XXXX : XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX  .XXXX XXXX XXXX/XXXX  Equifax : XXXX, XXXX/XXXX Equifax : XXXX  XXXX  : XXXX XXXX : XXXX, XXXX/XXXX XXXX XXXX : XXXX  : XXXX  : XXXX XXXX XXXX XXXX : XXXX
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the XXXX XXXX XXXX, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was result of identity theft

I have contacted the AR Resouces Agency through this site already and their response was that the an incorporation in PA, holding the same name, holds my debt. I have contacted the Credit Bureau Companies and they have informed me it is the agency from FL. I want written validation and contact from this agency claiming I owe a debt from an institute where it was stated it originated. The originating institute has no record of this owed debt or of giving this nonexistent account to debt collections. 
The only way I found out I had this debt, is it appeared on my credit score after being open for 2 hrs and I have received no contact or notification from any agency.
Complaint sub-issue: Information belongs to someone else

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the accounts permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with fees

XX/XX/XXXX Upgrade used automatic withdraw to take out my monthly payment and interest. I waited until the next day once i saw what the remaining balance was and payed it off. Now i have a {$28.00} balance for interest. I had just gone through this with XXXX ; XXXX so i made sure the monthly payment was accepted, then selected Payoff Balance.
Complaint sub-issue: Debt was result of identity theft

I received two collections letters from XXXX XXXX XXXX ( aka U.S. Bank ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 COMPLAINT ID XXXX was issued by Consumer Financial Protection Bureau ( CFPB ). Since then, I have been working with Citi Cards to resolve the billing disputes. There are 3 billing disputes with the XXXX XXXX XXXX. 

On XX/XX/2022 Citi Card Case XXXX was resolved for the amount {$420.00} and {$420.00} was made to permanent credit to my Citi Card ending in XXXX. 

On XX/XX/2022 Citi Card dispute resolution team uploaded documents to my online Citi Card account for two other cases for XXXX XXXX XXXX Citi Card Case XXXX for {$610.00} and Citi Card Case XXXX for {$500.00}. The document that has been uploaded for Citi Card Case XXXX for {$500.00} is the wrong document. The document belongs to Citi Card Case XXXX for {$610.00}. In short, Citi card has uploaded the same document twice for two separate Citi Card cases. 

I have informed Citi Card to remove this wrong document for Citi Card Case XXXX from my online account and email me the right document. But thus far Cit Card has not removed the wrong document from my online account and also again emailed me today the wrong document for Citi Card Case XXXX. 

Citi Card continues to promise me that they will provide me with the correct merchant response for Citi Card Case XXXX but thus far has been unable. Without providing me with proper merchant response Citi Card put the charge back to my account. 

Please instruct Citi Card to provide proper merchant response for Citi Card Case XXXX. Until the merchant response is provided to me, till then {$500.00} should be removed from my Citi Credit Card account ending in XXXX. 

Thank You.
Complaint sub-issue: Reporting company used your report improperly

I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Cyberattackers obtained my social security number, full name, address, driver 's license number, and credit card numbers. I verified through their system that I was one of the people affected. Equifax is charging me {$10.00} to freeze my credit. I would not like to pay  {$10.00} to save myself from their horrible mistake. Furthermore, in order to verify that you were affected, they require that you waive your right to be part of any class action lawsuit.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 us 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 XXXX 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 XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Old information reappears or never goes away

Great Lakes student loans 3 x XXXX XXXX XXXX XXXX loans old old please remove from report trying on obtaining a home loan
Complaint sub-issue: Debt was paid

Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.
Complaint sub-issue: Problem with personal statement of dispute

All about related EQUIFAX DATA BREACH c/o Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX Defendants are all EQUIFAX Inc , Services & Consumer them has being rejected my file affected by the data breach XX/XX/XXXX said : does not exist my SS file affected at the breach dated, is not accurate because my SSN exists on the XXXX XXXX targets at the breach fighting against Identity stealers. I am a Victim fighting against mistakes of Defendants. 
2.- Why Legal Administrator Law Firms ask Defendants if my case is valid or not? Like I explain I have fighting Identity Theft XXXX against stealers uncovers by violent criminal Organization, its unresponsive behavior protecting my Data an XXXX millions  of customers. 
3.- Like I written before FTC report numbers XXXX dated XX/XX/XXXX expenses {$40000.00} & FTC Reports XXXX dated XX/XX/XXXX {$25000.00} I want back my expenses. 

4.- The Courts finds the Claims Administrator also declares it has full filed its duties but is a lie because reject my expenses received XX/XX/XXXX when the form writes must be postmarked or submitted online NO LATER than XX/XX/XXXX. Another lie Administrator is the Courts Find. Effectively reached the Settlement Class I am part of Settlement Class getting out. 
5.-EQUIFAX Data Breach Settlement c/o XXXX Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has being unable of reach XXXXXXXX XXXX of XXXX affected, its phones response 13 months later. 
6.- I want my expenses Back {$40000.00} included {$25000.00} sended XX/XX/XXXX recieve by administrator XX/XX/XXXX 13 days before. 
7.- Defendants wrong doing continuing because reject my petition for Anual Credit Report since XXXX 4 years [ 3agencies ] = 12 years without credit Reports.Did not makes Identity Thefts Protection for 7 years, became deny {$25000.00} expenses XXXX to XXXX. 
8. XXXX in XX/XX/XXXX give me UPDATED my Email and he give me the letter but I nevertheless received back anything in my Email. Call again I wait for a call XXXX on XXXX Them never call me back.