Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

EQUIFAX Validate this account that you stated verified, you Equifax have not responded to this as you claimed on CFPB complaint XXXX XXXX XXXX  so you know I will be filing with the TX attorney Gen, FTC, because I see that the CFPB lets you go around anything the consumer needs VALIDATE this account that you verified Your name, your employee ID #, contact information Whom you talked their name, their employee ID # what was said on both parties IN DETAIL the time and date, anyone else you had contact with their names contact information employee ID # what was said in detail copy of original contract with my signature on it who they may have sold the account with my signature on the sale a copy of the sales contract. under15 U.S.C.1602 { f } my social security Number was used in a transaction and you state that the above named company is the original creditor FALSE my ssi card number is a credit card look it up that makes myself the original creditor and have full control under the above U.S.C . code making the account you are reporting a fraud XXXX XXXX XXXX IS A DEBTOR under15 U.S.C1692e { 2 } read it!, validate this debt
Complaint sub-issue: Frequent or repeated calls

I get calls every day from Monday to Saturday at work and at home. I get emails at work. Today, I got an intimidating call from someone asking me for my social security number in the middle of a workday. Who does this? I asked them who were they. The guy says, " we verified your place of employment '' As if he was coming to my job. This is so rude. 
I have attached a copy of emails and phone calls.
Complaint sub-issue: Their investigation did not fix an error on your report

Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that
Complaint sub-issue: Information belongs to someone else

This Is A Fraudulent Account ... That Was Once Removed & Was Placed Back Onto My Credit Report For Some Reason ... if you check with the CRA 's It's Documented Me Calling In As I Realized It, Did The Freezing Of My Reports The Works ... 

Some Accounts was open in my name at another address on XX/XX/19 It went delinquent & was charged off for the amount of $ XXXX Tanking my Score During My First Home Buying Process XXXX XXXX XXXX Is The Data Furnisher Who Placed This Back On My Reports With The Help Of All 3 Credit Reporting Agencies
Complaint sub-issue: Information belongs to someone else

There's 4 collections on my Equifax Credit Report from XXXX XXXX XXXX I requested proof of those 4 accounts none was sent. 
I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however Equifax is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that EQUIFAX, XXXX AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead EQUIFAX and XXXX decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet Equifax score dropped back down to 690 and XXXX took additional 21 points or so from me. XXXX showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.
Complaint sub-issue: Debt is not yours

I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. 

XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I received notification that credit report changed, when I logged into my account it said I had 2 new hard inquiries one from Elan Financial and one from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from XXXX and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call XXXX and I sent them an email. They never responded. I called Elan financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.
Complaint sub-issue: Information belongs to someone else

The Bankruptcy, accounts, and inquiries are not mine.
Complaint sub-issue: Trouble with how payments are handled

I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled up my credit report and found an inquiry from a company I never heard of before. I had no business contact with this company. I have no idea who they are. I didn't give my permission to do an inquiry. This is fraudulent and they may be checking for theft of credit information by XXXX.This has caused a 6 point  drop on my Eqiufax Credit Report Score on XX/XX/XXXX.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a validation letter to Equifax to validate a debt. They sent back a letter each time stating the debt was verified. I also asked Equifax to send me copies of any and all documents they used to verify this account # XXXX from XXXX. This is violation of my consumer rights. 
XXXX US code XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Restriction on sharing of medical information and XXXX XXXX XXXX XXXX ( XXXX ) also XXXX XXXX. XXXX ( a ) ( XXXX ) Permissible purposes of consumer reports
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I mailed certified letters to all three credit reporting agencies explaining I was a victim of identity theft. The package included a copy of my Identity Theft Report and proof of my identity, a copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information, Identity Theft Affidavit # XXXX, Drivers license, Credit report with disputed information indicated, Notice To Furnishers Of Information and Police Report. 

The information reported by XXXXXXXX XXXX in XXXX including late payments and any balances, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts were closed with a XXXX balance and were never late. The account numbers being reported were issued after I had already closed the accounts on XX/XX/XXXX with a perfect credit history for all three and a XXXX balance for all three. My credit score went from a 780 to a 540. 
All three reporting agencies have responding saying they asked US Bank the Furnishers Of Information and XXXXXXXX XXXX  has told them the information is correct. I must request this false information be re-investigated and that they block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.
Complaint sub-issue: Other problem

XX/XX/2018 : Online order that I attempted to pay using my Citigroup credit card was halted and flagged with a fraud alert. This is unusual in my experience. I do appreciate their attention to the growing complexity of fraud. However, the purchases had to do with firearms and combined with Citigroups recent actions that discriminate against customers based on lawful firearm-related business activities leads me to be deeply concerned they are blatantly violating consumer rights and engaging in unfair practices.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance {$78.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Other problem getting your report or credit score

I am trying to get a mortgage loan to purchase a house but the mortgage company is unable to obtain a copy of my credit report from Equifax. 
I have called Equifax several times and they said they don't know why the mortgage company is having trouble accessing my credit report. 
I can't move forward with my mortgage application unless they get a copy of my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF THE 2017 EQUIFAX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.
Complaint sub-issue: Application denied

Citibank has consistently Either lowered our current city bank card and is now refusing to grant us a citi XXXX card even though my credit score is at 7:20 and higher. 

My wife and I got caught up in the current mortgage problems going on with XXXX XXXX. XXXX forest our home into foreclosure because we forgot to sign a single document even though our mortgage was being paid on time For five years We had to fight to prove this finally we got a lawyer and at that point XXXX finally conceded refinanced our mortgage and ended the foreclosure. 

Every other credit card service including XXXX XXXX and XXXX XXXX have granted as a reasonable credit limit and eased it, Citibank would lower our credit limit each time we paid the car down Citibank would lower our credit limit each time we paid the card down We currently have paid off all of the debt and are using a city simplicity card for purchases for my job and we are paying that bill almost completely each month Our mortgage is current and we have been paying extra down on it for more than two years We have a combined household income of over {$250000.00} In addition we have between our accounts and upwards of {$100000.00} in savings I actually have a friend who works for XXXX in XXXX XXXX XXXX who explained to me that citi flags the accounts of minorities went into financial difficulty and it is almost impossible once they do to get them to extend credit, even if the mistake or problem that created the financial hardship is not yours and even if you fix the problem and come out from under the financial hardship Since we are financially solvent and everyone from XXXX has extended us credit with reasonable and low interest rates m, I can only assume the information Ive been given about Citibank is correct If there is a more reasonable explanation I would like Citibank to produce it and show it to us If not I requested that Citibank remove the negative connotation for my account in award us and citi XXXX card If the information is correct I am asking that you sanction and fine Citibank for this deplorable practice
Complaint sub-issue: Reporting company used your report improperly

I was part of the Equifax leak.
Complaint sub-issue: Problem accessing account

Website is broken for a few months on and off I have requested US Bank to fix it multiple times with no avail. 

US Bank footballs me however they do nothing to repair their site. 

I am unable to even log in and I need an access to my financials and I need to fulfill my financial obligations otherwise I am to pay the fees.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violet my rights. 

15 U.S.C. 1681 section 602A. 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: Credit inquiries on your report that you don't recognize

Equifax have not removed unauthorized inquiries! 


Equifax : XXXX XXXX XXXX, XXXX, GA XXXX. 
: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  /XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given ( EQUIFAX ) permission to furnish this information.

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 4 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to ( EQUIFAX ) resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX XXXX notified me on XX/XX/XXXX that the interest rate on my consolidated loan in XX/XX/XXXX was going up from 5.5 % to 5.625 %. My balance is approximately {$210000.00} so it is a significant change. The letter stated no reason for why the interest rate was going up as it was supposed to be a fixed rate consolidated loan, not a floating rate. When I called, the customer service department stated that at the time of the consolidation of the loan in XX/XX/XXXX, the interest rate on one of the loans that was consolidated was published incorrectly back in XX/XX/XXXX and as a result the rate overall was now incorrect. There was no explanation on why the mistake from XX/XX/XXXX was only discovered in XX/XX/XXXX or why it was not discovered back during consolidation in XX/XX/XXXX. 

I fear that I am being ripped off here and I asked them to put the explanation in writing. I was told by the customer service person that they would request their manager to be able to put this reason in writing. I do not know if they will actually do this but I 'm hopeful. I 'm not sure which published interest rate they are talking about and why this mistake could only have been discovered now.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Complaint sub-issue: Investigation took more than 30 days

ACCOUNTS ON MY MOST RECENT REPORT SEEMS TO BE UNFAIR NOT 100 % ACCURATE
Complaint sub-issue: Frequent or repeated calls

Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX/XXXX   Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

l have a XXXX XXXX XXXX XXXX XXXX. I shop at the XXXX 's XXXX XXXX near my home and have been a customer for many years. I have always kept up with my bills, but suddenly I have received a bill telling me that I have gone over my credit limit of {$10000.00} and that I must pay them {$1300.00} by XX/XX/2022. 

I have been paying them around {$100.00} a month up until I received this huge bill. I contacted XXXX 's XXXX by phone and the woman said she would transfer me to " Hardship Cases. '' I was transferred to " Hardship Cases, '' and they told me to call the number on the bill to get information about credit counseling services. I called and there was no one there. 

I've been scrambling around trying to figure out what to do. I can not understand why XXXX 's XXXX did not deny the {$1300.00} in purchases when I ran the card in the store. I never would have gone over my limit on purpose and every card I've ever had, would automatically deny any charge over my limit. 

I can not tell you the stress and panic I have been experiencing since I have gotten this bill. 

I called XXXX 's XXXX yesterday to request a higher credit line in hopes that it would resolve the situation, but they said " NO. '' Is there anything you can do to help me? I am able to pay the {$100.00} a month.