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

I'M HAVING ISSUES GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was defrauded by a rental car agency in XXXX for an amount of roughly {$750.00} USD. I filed a chargeback with the dispute department of my Citi XXXX XXXX account on XX/XX/XXXX and submitted all relevant proof and documentation on XX/XX/XXXX ( within the timeframe I was given by the credit card company ). The dispute was marked " closed '' before my documentation arrived, and I was told that it was my fault for not submitting documentation on time. This is untrue based on the timeframe guidelines I was given, but the disputes department is refusing to reopen the dispute and assist me further. Thank you for your assistance.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has knowingly furnished inaccurate information on my consumer report. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. XXXX  XXXX XXXX has provided Equifax with second hand information. Equifax did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the three accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Equifax for reporting purposes. Equifax negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Equifax refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.
Complaint sub-issue: Reporting company used your report improperly

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX  equifax and XXXX  ( equifax ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX  ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Complaint sub-issue: Frequent or repeated calls

Have received upwards of XXXX calls within a short span and during work hours. Also have contacted relatives outside my immediate family improperly.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.
Complaint sub-issue: Debt is not yours

From XXXX to XXXX I was working at the IRS in XXXX, GA and I applied for a XXXX XXXX Credit Card which included the XXXX XXXX, which is a program that in which if you lose your job for reasons outside of your own negligence they XXXX XXXX XXXX would basically wipe out or cancel out said debt. In XXXX we were furloughed from the IRS without a return date to go back. I contacted the creditor ( XXXX XXXX ) and told them my employment situation and they requested I send in documentation regarding the IRS Furlough, my GA Unemployment Documentation as well as pay check stubs from 3-6 months prior to the Furlough taking effect. I submitted this documentation and XXXX XXXX never clarified or processed the XXXX XXXX Debt Cancellation. For years I have been disputing this error as well as submitting the same documentations I originally submitted to all 3 Credit Bureaus as well as the collection agency Jefferson Capital and to no avail they still have not removed said debt. But have managed to keep selling this debt to various collection agencies with the most recent being Jefferson Capital
Complaint sub-issue: Other problem

I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.
Complaint sub-issue: Investigation took more than 30 days

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Equifax has failed to respond to my disputes ( dated XX/XX/XXXX & XX/XX/XXXX ) of issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below Accounts XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XX/XX/XXXX {$300.00} not mine
Complaint sub-issue: Trouble with how payments are handled

FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2018, a fraudulent money transfer in my name, using my Discover Bank debit card through XXXX ( affiliated with XXXX ) was conducted in the amount of {$860.00}. I immediately called both XXXX and Discover Bank to file the fraud and, in the case of Discover, freeze my debit card and account. XXXX could do nothing and directed me to talk to the fraud department at my bank ( Discover ). I did so, and Discover closed the original account and open a new one, initially returning the stolen funds while they investigated. Proof of the original fraudulent transaction is in XXXX. 

The next correspondence happened on XX/XX/2018, where Discover Bank reversed the temporary credit and took the money back. I called them to dispute this, but they said there was nothing they could do about it and claimed their investigation had not confirmed my fraud report. ( proof of funds removed is in XXXX ). 

I recently heard about the cfpb complaint process and I am taking action now to have this claim addressed.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to XXXX XXXX XXXX on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. XXXX usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, XXXX has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, Equifax etc. viz. consumer reporting agencies. XXXX has disregarded my revocation of right to report and continues to violate my right of privacy. XXXX has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.
Complaint sub-issue: Trouble with how payments are being handled

I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this account XXXX XXXX XXXX XXXX since XXXX. I have sent EQUIFAX an FTC REPORT BY FAX, MAIL as well as email to both equifax and XXXX XXXX XXXX XXXX. I have explained to Equifax numerous times that this is not my debt and its a result of identity theft. XXXX XXXX XXXX XXXX XXXX  has been removed from both XXXX and Equifax. Equifax removed it in XXXX and then placed it back on my consumer report. on XXXX XXXX I have a recording of an EQUIFAX CUSTOMER SERVICE REP telling me that she seen that Equifax has removed the item from my consumer report and then later had it placed back on my consumer report with the ftc, and police report they have on file. Equifax did a dispute and they said it came back verified I asked the rep who did they speak to? And why was I not notified that it was placed back on my consumer report. No one can give me any answers. I know for a fact that Equifax have 4 days to block and remove an account from a consumer report resulting from identity theft. 15 usc 1681c-2 The courts in Ohio stated that they did not provide information of court records and that the case was dismissed due to lack of evidence on the creditor end So I don't understand why it was even on the consumer report in the first place. I am aware that EQUIFAX has been selling my securities which is security fraud because they are acting as custodians and I did not give them that permission to act as such. SEE 18 USC 1348 securities and commodities fraud. I am pending litigation for this collection account which is frequently placed on my report and by law Equifax is to remove this item immediately and I am demanding removal immediately because it should have never been placed back onto my consumer report especially without my awareness of it. This is defaming my character and has been for 4 years now. I HAVE SENT ANOTHER FTC REPORT SO AGAIN THEY HAVE 4 DAYS TO REMOVE XXXX XXXX XXXX XXXX. AND JUST IN CASE EQUIFAX CANT LIFE HERE IS THE FIRST FTC REPORT # XXXX BECAUSE EQUIFAX CONTINUES TO LIE AND GIVE FALSE INFORMATION ABOUT THEM NEVER RECEIVING THE FTC REPORT. THANKYOU
Complaint sub-issue: Their investigation did not fix an error on your report

The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}
Complaint sub-issue: Other problem

I HAVE BEEN ASKING FOR A REFUND OF MY CREDIT BALANCE SINCE XX/XX/20. UBS CLAIMS TO HAVE SENT CHECKS BUT CAN NOT PROVIDE CHECK NUMBERS AND I HAVE NEVER RECEIVED A CREDIT BALANCE REFUND AS PROMISED. ASSOCIATES ARE POWERLESS TO SOLVE MY PROBLEM AND DO NOT CARE. THEY MAKE NO ATTEMPT WHATSOEVER TO TAKE INITIATIVE TO FIND OUT WHERE MY REFUND IS. SUPERVISOR ARE NOT AVAILABLE AND DO NOT RETURN CALLS. UBS CUSTOMER SERVICE IS ABHORRENT!
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

There are two records on my credit report for Credit Karma XX/XX/XXXX. I dont know why there are distinct records. This is the way the information presents : 1. Credit Karma Date of request ( s ) : XX/XX/XXXX I did not make this request. 

2. Credit Karma Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Requests unauthorized. I do not have an active account with Credit Karma. The account was breached or a new account with Credit Karma was created with my personal information. I am unable to recover the account. 

I do not comprehend why a credit monitoring service does not have a monitoring mechanism for report abuse. If someone is abusing and attempting to obfuscate the misuse of information, the best way to validate is through credit information. How was this not flagged? Can information be purged to avoid audit trail? Why are there two separate records for the XX/XX/XXXX date and the second record has multiple dates? 

It is physically not possible that I executed these requests. I did not have any computer or internet access on XX/XX/XXXX. I did not make any of the requests. This is identify theft. I can not stop people from abusing my SSN. I should not be forever doomed to have my data breached because anyone with my SSN birth date and address can force their way into my accounts or create accounts using my information.
Complaint sub-issue: Problem with fees

I have a business credit card from XXXX XXXX. I also have a checking account with XXXX XXXX. Both are linked together and under one name. My credit card I obtained with promotion of 0 % until XX/XX/XXXX. In XX/XX/XXXX I moved. I went to the local XXXX XXXX in XXXX, CA ( same branch i opened checking account ) and changed my address to my new address. As XX/XX/XXXX rolled around and I didnt receive my credit card statement like i typically do, i called XXXX credit card and asked where my statement was. Apparently, they never changed the address. I changed it again by phone and paid my monthly bill. I was charged a late fee which was later removed. 

In XX/XX/XXXX, my XXXX XXXX account checking account was fraudulently attacked and all my money was stolen from my account. All my checks bounced. I reported the fraud and XXXX XXXX did investigation and reimbursed the money in my account. One of the checks that bounced was for my XXXX credit card. I called them immediately and told them what happened. I also made the payment once my money was returned to my account. I had no money to pay any of my bills. 

My statement for XXXX credit card came for XX/XX/XXXX with 30 % interest! I called them and they said that due to my 2 late payments they removed me from the promotion. I explained to them what happened and that the late payments were not my fault and technically shouldnt be considered late payments but they said there is nothing they can do! 

I feel like these credit cards take advantage of people, especially seniors like myself. They dont understand that not everyone is online savvy. Im old school. I went to my local bank to change address, I thought that was enough. I also was a victim of theft and fraud and they are punishing me with 30 % interest! I cant afford to make payments like that. I was planning to payoff the amount with 0 % until XX/XX/XXXX and not have any interest rate.
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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX XXXX  XXXX {$0.00} Charge Off XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX I, XXXX XXXX {$1400.00} XXXX  XXXX {$520.00} XXXX  XXXX {$4800.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is fraudulently and knowingly sending false information to Equifax, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

XXXX XXXX has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true. 

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a XXXX  XXXX   not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a XXXX  to remove it. Thank you in advance XXXX