Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.

CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX  ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.

Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data
Complaint sub-issue: Information is not mine

I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.
Complaint sub-issue: Information belongs to someone else

I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank $ XXXX $ XXXX {$700.00} Checking Account Bonus XXXX {$700.00} bonus details : Open new eligible checking and savings accounts in the Citi Priority Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 
You will receive your cash bonus within 90 days after you complete the required activities. 
A monthly service fee of {$30.00} applies to the checking account in the Citi Priority Account Package if a combined average monthly balance of {$50000.00} or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package.

I opened both the checking and savings accounts on XX/XX/XXXX, completed the {$50000.00} deposit requirement on XX/XX/XXXX, maintained the {$50000.00} balance until XX/XX/XXXX. 
I contacted Citibank customer service department a number of times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to name a few XXXX and every single time I was advised to wait until XX/XX/XXXX to receive the {$700.00} bonus. 

Please review and escalate as needed to reach a resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

While looking at my credit reports last week I found that the Equifax report showed a hard inquiry from XXXX XXXX dated XX/XX/XXXX. I found this to be a mistake because I have never been a XXXX customer nor have I ever asked for rates or services from them. I then made a 'my Equifax ' profile so that I could dispute this inquiry with Equifax directly. I made the dispute online as I was not able to get through on the phone. The online format does not allow for any type of explanation as to the reason for the dispute but I followed the prompts and selected that this inquiry was " not mine ''. I filed this dispute with Equifax on XX/XX/XXXX. I received a fairly prompt response that stated that " the inquires are a factual record of file access ''. Now, I have a negative remark on my report and my Equifax credit score dropped a few points after their investigation showed that the inquiry was " factual ''. I was told in the decision that my best option was to contact the creditor ( XXXX ) directly. 
Today I spent several hours on the phone with XXXX. As I had expected, they have absolutely no accounts, past or present, in my name. I asked if they could send a letter to Equifax to explain this and remove the inquiry from my report. Their fraud prevention specialist told me that without having an actual account, they could not send a letter to Equifax explaining this because their letter requires the person to have an actual XXXX account. Since I have never had an account, I was told that there was nothing they could do. The fraud prevention specialist also told me that the only way this scenario could happen is if someone fraudulently attempted to set up an account in my name but was unsuccessful. This happens when a person attempts to set up an account and the XXXX team in unable to authenticate or verify the individual, yet in the mean time, a credit inquiry is made in the process. Unfortunately for me, the credit inquiry was made under my name even though I was not the person attempting to set up an account. I pride myself on working hard, managing my fiances and having a solid credit score. This hard inquiry does not belong to me, yet I am stuck with it on my Equifax report. Additionally, as a result of the dispute, I show a negative remark on my report and a ding on my score with Equifax. 
After trying to resolve this mistake on my report with both the credit bureau ( Equifax ) and the creditor ( XXXX XXXX ) I have been unsuccessful in attaining resolution. I now turn to my final resort, the CFPB, the please help remove this inquiry from my report which does not belong there.
Complaint sub-issue: Their investigation did not fix an error on your report

I have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXX XXXX yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.
Complaint sub-issue: Old information reappears or never goes away

I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now
Complaint sub-issue: Debt is not yours

IC Systems pulled up some XXXXXXXX  account from Florida. I don't live in florida and never have. I have no idea who they are talking about and there is no way they can verify this as accurate. I will sue all that is involved for messing up my credit score so I can't close on my house.
Complaint sub-issue: Debt was result of identity theft

I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from XXXX XXXX even though it was said it was taken care of.
Complaint sub-issue: Contacted your employer

A lady presenting her self as an attorney and or a paralegal in one message, her name is XXXX XXXX. She stated it is imperative that I contact her at once or she will be forced to pursue further action or contact my county for legal actions or arrest at work.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!
Complaint sub-issue: Attempted to collect wrong amount

i have sent several letters and hired credit repair company they say i owe {$490.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$490.00} they never applied the {$300.00} security deposit.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and  have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.
Complaint sub-issue: Overcharged for something you did purchase with the card

I open a citi credit card and used it 2 time and thier fraud department froze the card. I called them 3 times and it went nowhere.
Complaint sub-issue: Account status incorrect

Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX  and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.
Complaint sub-issue: Public record

Equifax refuses to speak to me about this by phone intentionally frustrating me in an attempt to get me to go away
Complaint sub-issue: Charged too much interest

Around XXXX XXXX Citibank began charging me a penalty interest rate because I had been late on a payment. This was at a time when I was in a financial hardship because of a job loss. It is now XXXX XXXX and I am still being charged a penalty interest rate on part of my balance. Citibank has not made any effort to return my interest rate to the original rate. This should have been done after I made " timely payments for six months '' and yet it has now been at least two years according to my review of past statements. 
When I called Citibank customer service to ask about the rate being lowered I was told that " it does not qualify '' to be lowered. I do not know what that means. This is the same way I was treated by Citibank on my other credit card with Citibank. Only after filing a complaint XXXX with the CFPB did Citibank decide to lower the interest rate back to its original rate. That was in XXXX XXXX. 
Based on Citibank 's conduct, which has now been repeated on not one, but TWO accounts, it certainly seems that they are intentionally keeping the interest rate higher even though my account has been in good standing.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2020 ; I contacted Equifax to attempt to dispute my credit score suddenly dropping due to me paying off my credit cards. I had to purchase a credit report for {$15.00} to discuss why the sudden change to my score. The agent was unable to explain why my score decreased by 10 points. After about 45 minutes of holding I was transferred to another agent who attempted to assist me and after asking me 10-20 different questions about my profile he proceeded to tell me he could not access my profile. The previous agent was able to access my profile and see my credit report, the escalated team could not. What's puzzling is I was able to pay to see my credit report, but couldn't access my report due to their unclear security questions. I was then transferred to a supervisor who also could not access my account or answer my question as to why my score dropped. It almost appears as if they were trained to avoid the customer 's request for any information. 

Their security feature is flawed and those questions are not set by the consumer therefore its almost impossible to answer them all correctly. The simple response of its " for the protection and security of my account '' is false due to the fact Equifax accepted my payment for my profile which the first agent was able to access. Then when I began asking questions about my credit score they could no longer answer my questions. These actions appear to be very deceptive to deny a consumer the right to dispute incorrect information. 

My chief complaint is regarding my credit score dropping which appears to be a common theme among the 3 credit bureaus and Equifax is no different. I'm also requesting that on my not be inaccessible to me particularity when I am paying for their service! 

I am requesting my credit score points of 12+ points be returned to my credit score as I should not be penalized for paying off debt. This also contradicts the information on their website that maintaining a low credit usage helps improve your credit score. This is false advertising and misleading. 

I have attached a list of other consumers who have complained about this false and misleading information. 

I was on the phone with the agent for almost two hours with no resolution. I'm hoping
Complaint sub-issue: Their investigation did not fix an error on your report

To start off, I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX in 2018. I am currently trying to buy a house through my bank. My bank keeps trying to access my credit scores, but is being refused my Equifax report. The error message that my bank receives from Equifax is " file suppressed, fraud request. '' There is no freeze or fraud warning on my Equifax account as per Equifax themselves and I can also see this on the account I created on their account. They suggested that it was being denied because the name on my account ( XXXX XXXX ) doesn't match the name my bank is using ( XXXX XXXX ). From there, I have been trying to update the name on my account. Equifax refuses to update my account with the new name. I first tried faxing my name change legal order to them. They apparently did not receive it within 3-5 business days. I then created an online account with them and tried disputing it online by only submitting the name change order. My first dispute was flat out deleted. The dispute number doesn't show up on my account and there is no dispute result to view or download. After calling, they said that they could see the document that I uploaded and the dispute on their end, but would need other documents such as my XXXX  card and a picture of my drivers license. I disputed it again and submitted those XXXX documents. Their response is that my name is currently reporting correctly on my equifax credit file ( as XXXX XXXX ) and did not change my name. I am now disputing it a third time, this time with the name change order, my XXXX card, my drivers license, and the information page of my passport. Seeing as they do not seem to care about actually doing their job, I would like to have the cfpb also contact them and put pressure on them to actually do their jobs. Since my name on their account does not match the one that my bank is using, my bank can not access my credit score and therefore can not approve me for a mortgage. This is actually causing me a lot of hardship because I do not currently have any place of my own to live. I am currently staying with family because I lost my apartment back in XXXX.
Complaint sub-issue: Public record information inaccurate

XX/XX/2018 I requested LexisNexis ( LN ) investigate negative information reported by the US Bankruptcy Court in the file maintained by my social security number. I challenged the accuracy, compliance and reportability of this listing. I sent a certified letter to LN. LN received the letter on XX/XX/2018. XX/XX/2018 LN responded to the letter stating to date we have not received a response to the dispute from XXXX, XXXX and XXXX. XX/XX/2018 I requested that LN update the letter stating that the information have been deleted or confirm that it is not in their data bankruptcy. The credit bureaus did not respond. LN did not correct or delete the information. XX/XX/2018 , LN responded with a resolution letter stating that bankruptcy case number XXXX is accurately reporting. 
LN is reporting a Chapter XXXX beyond 7 years of the filing date. 
LN is reporting my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and my social security number is XXXX. I am requesting that LN delete all names and addresses associated with the names and social security number.
Complaint sub-issue: Account status incorrect

These loans were secured ties ..the school went out of business. The fraudulent school status to receives grants that were not accredited I was unable to secure a job, they obtained loans without accreditation.
Complaint sub-issue: Problem with personal statement of dispute

filled out an application for a us bank corp credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a us bank credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called us bank, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then us bank turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX AND XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal 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: Information belongs to someone else

XXXX XXXX XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.