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

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX Violations with XXXX, Equifax and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXXXXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, Equifax and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, Equifax and XXXX regarding this matter.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I have sent the credit bureaus ( XXXX, XXXX & Equifax ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.
Complaint sub-issue: Didn't receive enough information to verify debt

I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. 

This organization violated federal law and continue to ignore any actions that are taken by me. 

Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. 

IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from  XXXX   XXXX ,   XXXX  . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a statement from a third party regarding a refund amount from a Citi Bank class action lawsuit. When I called the number, they told me the credit had been issued to the party owning my debt. I consulted my bank and we went back to XX/XX/2012 and found a check written for {$3300.00}, which I believe was the pay off amount for the card. 

Every number I call seems to be sending me off in a direction that won't help to resolve the issue. The last of the 10 calls I made to Citi Bank, the rep said she was unable to pull up any account info for me and gave me a n umber to call. When I called that number, it appears to be a credit collection company. 

I also consulted my credit monitoring service and they said there was no bad debt on my credit report relating to Citi Bank. 

If this is a scam, it is very well orchestrated. 

I would appreciate any help in letting me know how to proceed with this issue. 

Thanks
Complaint sub-issue: Problem with personal statement of dispute

I submitted a dispute with Equifax regarding inaccurate information on my credit report. The third letter written to them asked them to provide the name of the person they verified the account with at the original creditor. They have failed to respond with that information and marked the account ( s ) as verified. Equifax continues to report inaccurate information. I would like to file a complaint with this agency to look into before taking further action.

I have several inquiries on my report and I submitted letters from the agency that checked my credit without authorization and Equifax refuses to remove the inquire even with proof. This is a violation and needs to be handled ASAP. Thank you in advance. If your agency is unable to handle this complaint please notify me so I can escalate the investigation. 

XXXX XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My mother, XXXX XXXX, was the victim of scammers who urged my mother to send money " urgently '' to help my sister, XXXX XXXX. My mother sent three checks from her bank XXXX XXXX XXXX. As soon as my mother realized she had been scammed, she signed up for credit monitoring service from Equifax. This was in XX/XX/2017. Because the scammers had resulted in my mother 's account being completely overdrawn, the bank closed my mother 's account. 

My mother was able to open a new account at XXXX XXXX XXXX  later the same month. When she did, Equifax then began to withdraw money from the new account. As Power of Attorney, I notified my mother immediately about her having been identify as part of the major security breach at Equifax and set up a free XXXX XXXX XXXX XXXX. Because Equifax had so many calls at the time of the breach, the process was lengthy and I made calls over a few days to get her account set up. The representative told me that my mother 's paid Equifax credit monitoring subscription would be cancelled and she would no longer be billed. She continued to be billed by Equifax even though I tried to resolve this. I called Equifax during the last weeks before her death and told them that my mother 's bank account would soon be closed. Equifax assured me they would act to stop the withdrawals and would work toward a refund. They requested documentation, which I sent to them. They requested something showing my mother 's address, which I sent to them ( a XXXX Bill ) ;  copies of her identity ( driver 's license and social security card, and other information they requested ). I have had no contact with Equifax except a congratulatory email extending her XXXX XXXX for another year. For the record, Equifax did attempt to withdraw one time after her XXXX XXXX XXXX  account was closed.
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX : Applied for REPAYE. Informed Fed Loans that the recalculated amount for the year ( {$600.00} ) was not the lowest possible. Submitted IDR ( Income Driven Repayment ) request on XX/XX/XXXX. 
XX/XX/2019- Got forbearance for the month, as my REPAYE application was under processing. 
XX/XX/2019 : Received email stating the payment for XX/XX/2019 would be {$2900.00} XX/XX/2019 : Received another email confirming new REPAYE amount- a new monthly payment of {$420.00} which is first due on XX/XX/XXXX. 
Called on XX/XX/2019 : Called to clarify that the amount due mentioned in one email ( on XX/XX/XXXX, {$2900.00} ) was incorrect and wanted to make sure my new payment amount ( {$420.00} ) was reflected. The FedLoans customer service agent stated that I could pay {$5.00} for the month of XXXX  because  they did not use the direct deposit on file to withdraw the due amount. They then confirmed for XXXX the updated REPAYE amount ( {$420.00} ) would be processed, not the higher amount stated online in the account due to forbearance on the account. She assured me that it would be updated to reflect the correct amount by the time the bill was due on XX/XX/XXXX, and wouldnt withdraw {$2900.00}. 
XX/XX/2019 : Fedloans withdrew {$2900.00} from my account using direct debit. This was done even after I spoke to Fedloans customer service on XX/XX/XXXX, where they stated that this would not happen and the {$5.00} would trigger the forbearance for XXXX.

XX/XX/2019 : The payment of {$390.00} ( this is the original a
mount before recalculation for the year. I am not clear why this figure was brought up again ) was confirmed but FedLoans didnt suspend the larger amount since I am on auto debit draft ( they made the mistake of keeping the auto drafting function on and didnt submit the forbearance ). I asked to speak with the manager and she said she could escalate and expediate the refund of {$2900.00} but it could take up to 10 days. The mistake was on their end and they should have suspended the XXXX withdrawal and placed a forbearance on the account for XXXX. 
XX/XX/2019 : Called Fedloans because the online portal stated I was past due and the amount owed was now {$3300.00}. The Fedloans customer service agent stated that this because a refund will be issued and it also includes the {$420.00} due in XXXX. The refund request was not processed until XX/XX/XXXX and I may receive the refund sometime this week. However, I received an email about a forbearance approval for XXXX ( email received later in XXXX ) but it was not reflected in the account when I called on XX/XX/XXXX and still showed that I was delinquent on the payment. I was told that I should turn off direct debit withdrawal because they could possibly make the same mistake and withdraw {$3300.00} in XXXX.
Complaint sub-issue: Threatened to sue you for very old debt

This company will not quit calling me I do not owe this debt and they 're contacting me telling me they 're going focus come to my place of residence and or employment Contacting my family Number is XXXX
Complaint sub-issue: Attempted to collect wrong amount

The account with ERC was opened in XX/XX/21. The representative over the phone stated that I would have to pay {$300.00} XXXX. I have already paid them {$600.00}. I stopped paying them once I realized they increased the balance from what was actually owed. I have disputed this with XXXX and XXXX. The company is still denying my claims and hurting my credit more than it should.
Complaint sub-issue: Account status incorrect

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer 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: Didn't receive enough information to verify debt

Jefferson Capital System at XXXX XXXX XXXX XXXX XXXX, Mn XXXX has been sending me collection notices in the amount {$2700.00}. The collection has been reported as a pasted due balance. i do not know this company.I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Old information reappears or never goes away

I had an investigation with Equifax through XXXX XXXX. I disputed XXXX XXXX account and the account was removed from my Equifax Credit Report for a few days. At this present time XXXX XXXX is reporting on my Equifax credit report once again
Complaint sub-issue: Account status

I am protected by chapter XXXX bankruptcy laws from having any of my creditors reporting me as delinquent and the balance due should reflect the court order. in the case of cenlar financial that balance due should be XXXX and no late payments. the same goes for fnb omaha. These XXXX creditors note that it 's a chapter XXXX wage earner plan but show that I am late and in arrears from 2013 when my bankruptcy was confirmed.My information is reported accurately by XXXX but inaccurately by Equifax and XXXX. I have tried to discuss this with them but am getting nowhere. I am trying to do an fha streamline to help my situation and this inaccurate information is a detriment to my credit and is preventing me from moving on.I believe that they are in contempt of the fair credit reporting act because i have made all my bankruptcy payments to my trustee on time and have not missed any.
Complaint sub-issue: Inadequate help over the phone

On XXXX/XXXX/2016 I contacted Equifax because the verification information they provide to IRS was incorrect. I needed to request my IRS tax transcripts and it asks me to verify my telephone number. I learned through the phone call and pulling my credit report that Equifax has/had no phone contact information listed for me. They also had no employment history even though I have worked for the last 17 years. I was able to provide an update for my employment history, but not my phone contact. Please note upon pulling my report during the call using the Equifax website, XXXX and XXXX have all of my current information. I was informed by several representatives that in order for phone/contact information to be added I had to contact my creditors and they would have to correct the information. I asked which creditors could up date this because it appeared that of my XXXX or so creditors, none of them reported anything about me in the last 17 years.The rep stated that all of them could. I asked for equifax 's contact number so that the creditors who could do this I could provide them with contact information ; I was informed that they have the information needed to correct this information.Additionally I was told that I would have to place a fraud alert in order to put a phone number on my credit account and fraud alerts only lasts 30 days. I called XXXX XXXX, XXXX credit, and XXXX XXXX. All XXXX informed me that they report the same information across all credit bureaus every 30 days which includes my employment history and contact information. Each creditor stated that do n't call the credit bureaus directly, that everything is done through the system. They each verified that my phone number, address and employment was up to date and was submitted to Equifax as late as XXXX/XXXX/2016 in one instance. XXXX XXXX made an exception and resubmitted to Equifax XXXX/XXXX/16. I called Equifax back with XXXX XXXX on the phone and was informed informed that there are no alternatives. I asked if there was someone there with technical expertise because it seems impossible that no one submitted any information to the credit bureau. I asked if maybe there was something that is not getting loaded properly, and I also asked for a supervisor at that point the representative hung up the phone. I also attempted to dispute names that I never used and was n't able to do that as well.
Complaint sub-issue: Personal information incorrect

I'm tired and very frustrated of disputing the same two incorrect Addresses listed on my credit report. I've sent numerous disputes removing these inaccurate/incorrect addresses which have been removed previously only for it to be put back on my report. I need EQUIFAX  TO STOP reporting false/fraudulent and incorrect information to my credit file. This is my final attempt to reach their dispute/complaint department requesting to make corrections and remove them. I just submitted my last and final dispute request via their online dispute portal with CONFIRMATION NUMBER : XXXX. If this issue is not resolved via this complain I will move forward with litigation with the district court for negligence on their duty to reasonably investigate disputed incorrect information. I've attached my ID for verification of current address and identity
Complaint sub-issue: Cashing a check

On XX/XX/2022, I opened my Citibank app to check my balance. As the balance seemed low, I looked at the detailed transcations and saw that six checks had been cashed on XX/XX/2022. There were five checks in the amount of {$130.00} each and one check for {$400.00}, for a total of {$1000.00}. All of these checks I had written to one vendor and were dated mostly from XXXX 2022. All of these checks had already been previously cashed by Citibank and Citibank erroneously cashed them twice. 

Upon noticing this and confirming that indeed these checks had already been cashed, I contacted Citibank 's fraud line. I was told that yes the checks were erroneously cashed twice and they would start an investigation. I was given the following reference number XXXX. Since then, I have reached out to Citibank on multiple occassions but always with the same response that the issue is still under investigation. More than six weeks have passed and I still have not had the funds re-deposited in my account from what seems to be a very straight forward issue. 

I am attaching a snapshot of my transaction statement showing the checks cashed in XXXX and an earlier statement showing that they had already been previosuly cashed.
Complaint sub-issue: Information is missing that should be on the report

I filed chapter XXXX bankruptcy in XX/XX/XXXX in Florida 's Southern Bankruptcy Court. This information and the subseuqent Discharge in XX/XX/XXXX has been relayed to all Credit Reporting Agencies ( Equifax, XXXX  and XXXX  ). 

Equifax has no record of this on my file after repeated attemepts to correct.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted letters in the past requesting Equifax to remove the consumer statement off of my credit report. They have not responded to my letters and they have not removed the consumer statement from my Equifax credit file.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 I got an online quote for insurance and was told my premium would be far higher than I expected. When I called the company ( I forget who ) they said Lexis Nexis had reported an accident under my name. I then obtained my report from Lexis Nexis and it had several accidents listed under my report. The people involved in the accidents are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX TX. I am not these people yet XXXX ( the agency who reported these people under my DL and SS ) refuses to retract the incorrect information and Lexis Nexis accepted their claim that I am the same person as XXXX XXXX XXXX in XXXX NY even though I have a completely different name and address, never had a policy with XXXX and do not own the cars listed on the credit report with Lexis Nexis. When I called XXXX, the representative was rude and unhelpful.
Complaint sub-issue: Personal information

Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.
Complaint sub-issue: Information belongs to someone else

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT