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

This Complaint is being submitted through the CFPB to inform Equifax that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I mailed a payment of {$8600.00} by certified mail with tracking, I tracked the payment and it was received on XX/XX/2022 at XXXX pm. Discover claims they never received the payment. I have called Discover several times, I tried to send the complaint on their website ( discover.com/billingerrornotice ). Once I clicked submit, it said there was an error and my information could not be processed. I wrote a hand written letter because my computer is down, I will mail it tomorrow with a copy of the check stub and certified mail receipt. 
I also went to my credit union to see if the check had been cashed and it had not. I asked if they would stop payment and reissue the check or make the payment electronically. They told me they would not because of the amount of the check. They wouldn't for 90 day. Now Discover has added derogatory information on my credit report. I am very stressed out and frustrated about this situation. I have tried everything I know to do, but no one is listening. Thank you
Complaint sub-issue: Information belongs to someone else

Equifax is reporting inquiries on my credit report a total of XXXX inquiries that I contacted the company and they have sent in request to have them from Equifax ; XX/XX/2022 I called in to dispute the XXXX and was told by a representative that I Can not file a dispute? And that the information was accurate I asked to speak to the fraud  department and the representative stated that I was speaking to the fraud department but refused to allow me to file a dispute
Complaint sub-issue: Reporting company used your report improperly

bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.
Complaint sub-issue: Not given enough info to verify debt

ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO A LETTER THAT I RECIEVED IN THE MAIL FROM BC SERVICES. AS BC SERVICES IS NO DOUBT AWARE THAT THEY ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TOO. CFPB PLEASE FORWARD MY RESPONSE OVER TO THE COMPANY PLEASE. 

BC SERVICE 'S YOU HAVE NOW EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW! 


I have previously enclose copies of my requests for BC Services to VALIDATE these alleged debts. These debts are not mine and I was given any evidence of my obligation to pay BC SERVICES these alleged debts to this collection company 's currently illegally listed on all three of my credit reports. 
The FCRA requires BC Services to VALIDATE the validity of these alleged items within 30 days. If VALIDATION can not be verified, BC SERVICES is obligated by law to remove these items. This is a clear case of unverified debt here, and I urge BC SERVICES to remove these alleged items before I am forced to take legal action.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXXXX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these servicesXXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account XXXX # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Complaint sub-issue: Account status

Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
Complaint sub-issue: Debt is not yours

On XX/XX/2019 Hunter Warfield Debt Collection Agency XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX-XXXX-XXXX-XXXX entered a debt collection on my credit report for a debt that I do not owe. It claims I owe XXXX  XXXX XXXX XXXX {$620.00} dollars account # XXXX which is untrue. I never resided at XXXX XXXX XXXX and never signed a lease or other contract agreeing to moving into a unit. This apartment complex is poorly ran where leasing employees keep sloppy records and mess up applicant credit reports via reporting things untrue. Infact, XXXX XXXX XXXX issued me a refund check for {$770.00} dollars. I demand that Hunter Warfield investigate and remove this erroneous debt from my credit report immediately and send me written confirmation of debt removal from my credit reports and undated letters of correction to all that have received my credit report within that last 60 days showing correction. I do not owe this debt. I did not agree to any contract with XXXX XXXX XXXX XXXX incurring a debt.
Complaint sub-issue: Debt is not mine

I believe that Citibank erroneously issued me a XXXX, Cancellation of Debt. I sent a package to Citibank on XXXX XXXX, XXXX with the necessary documentation, including my credit reports back to XX/XX/XXXX, but have had no response from Citibank. 

In XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX, XXXX requesting over {$42000.00} for Citibank account with the number ending in XXXX. I checked my quick books records as well as my credit reports and found no credit card with that number. I disputed the debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response I received some statements from Citibank showing balances of {$37000.00}, {$38000.00}, etc with interest accruing at approximately {$1000.00} a month. I responded to Citibank with information regarding the statements and the fact that the card does not appear on my credit report. I have a copy of that letter. 

I heard nothing from either XXXX XXXX XXXX XXXX, XXXX or Citibank until a XXXX was issued in an amount just over {$17000.00} for the XX/XX/XXXX tax year. 

This erroneous XXXX will have serious ramifications for me and not just any potential tax liability. The IRS can unwind any erroneous tax calculation at any time. However, this error impacts my XXXX subsidy and my son 's college financial aid. Our FAFSA will need to be linked to our XX/XX/XXXX XXXX before the fall term. I will be able to demonstrate actual damages that may NOT be able to be rectified, i.e. my son 's Financial Aid which has strict deadlines, if this matter is not looked into and investigated. It needs to be resolved promptly. 

Interestingly, I was sued by Citibank back in XX/XX/XXXX for a little over {$16000.00}. Citibank continues to collect on that judgment, issuing garnishments, etc. The lawsuit filed by Citibank states that this is for an account ending in XXXX, however, subsequent exhibits attached to a Motion for Summary Disposition ( of which I do not have copies but the court and Citi 's law firm, XXXX, XXXX and XXXX should have copies ) included statements for an account ending not only in XXXX but also XXXX. Both those accounts are reflected on my credit reports. I believe that the XXXX account number changed when XXXX XXXX XXXX XXXX was acquired by Citibank, hence XXXX numbers for the XXXX account. That suit was filed in the XXXX District Court in XXXX XXXX, Michigan, case number XXXX. ( The XXXX is for XXXX XXXX since the court also meets in XXXX and XXXX ). 

In summary, I have no records of any credit card with this number. Not in my accounting software nor in my handwritten hard copy back up. It has never appeared on my credit report, at least since I have regularly pulled those reports starting in XX/XX/XXXX. In XX/XX/XXXX all my accounts were reported as current. There is no record of this credit card from XX/XX/XXXX-XX/XX/XXXX. When asked for any proof, all that was provided were some recent statements that showed no activity, just a past due balance accruing interest. I was sued by CitiBank back in XX/XX/XXXX for an almost identical amount. Citibank has a judgment on that amount and their attorneys continue collection procedures.
Complaint sub-issue: Information belongs to someone else

I have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax
Complaint sub-issue: Debt was paid

To Whom it May Concern, I do not know what this company is trying to pull here, but this debt was negotiated over the phone, assured that this consisted of all debt and the debt was paid in full. This would be verified with telephone transcripts. Once again, I made sure that all of the medical debt that I owed this company was compiled, and that debt was both negotiated, explained the number of days I would have that offer, assured ( after repeated assurances ) that the debt was all of the debt to this company, and paid it in full using a credit card on that day. From reading what other people have stated online, this company seems to be notorious for this kind of behavior. It seems as though they are playing on the faint-hearted to see if they will fight. I am a fighter, but not all people are. this company has overstepped its bounds entirely, and I hope somebody can stop this type of predatory behavior. 
Furthermore, I contacted the XXXX, was told that somebody would be reaching our, and Amerifinacial Solutions has yet to make a single attempt ...
Complaint sub-issue: Old information reappears or never goes away

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off.

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to myfedloans to change or remove this information and yet it still remains.

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Complaint sub-issue: Personal information incorrect

I applied for credit with XXXX Firm on XX/XX/21. I was declined credit by XXXX Bank which apparently uses a lesser known credit reporting agency " XXXX XXXX, XXXX. This credit agency reported me as " deceased '' and credit was therefore declined. This is a recurrent problem with this agency as well as a myriad of other false and inaccurate reporting problems - some which seem to be purposeful. They publish a phone number but do not answer the phone. I have filed a dispute with them but am concerned about their continued control of my private data. Their actions have adversely affected my credit rating.
Complaint sub-issue: Account opened as a result of fraud

Account was opened by fraud. 
I got the new debit card from card.com in my mail on XXXX XX/XX/2022. 
Debit card was issued in collaboration with XXXX XXXX.
Complaint sub-issue: Account status incorrect

I have contacted Equifax several times about an account from XXXX XXXX that was always paid on time. 

There records are contradictory. It shows my account as always paid on time but they are reporting it as a charge-off account. This is impossible as an account always paid on time can not be charged off. Please see attach documents where you fill find Equifax reporting this as a charge off.
Complaint sub-issue: Information is not mine

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
Complaint sub-issue: Can't temporarily postpone payments

I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), US Department of Education, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with fees

I have XXXX CITI Cards- XXXX for XXXX XXXX and the other for XXXX. Recently they lowered my credit limits on both cards to the point of where my credit cards were now right at their limits. What this means for me is that when they add their interest, each time it takes me OVER the new credit limits they moved me to and are reporting that action to the credit bureaus!!! Up until now I have been making my payments on these cards, true a few may have been late but they were paid inside the same month. I was furloughed for over a year and continued to pay them without asking for any type of recovery or forbearance. 
This appears to be a very unprofessional way to do business and my credit rating is suffering because of it. Until now I have been over XXXX for years and for the first time have dropped below that level due to this hidden money making scheme by CITI. 
Due to this I am in the process of having to take out a Home Equity line of credit to protect my credit. The good news if there is any, I will be closing out any accounts I have with CITI and staying with XXXX XXXX and my own bank card.
Complaint sub-issue: Can't close your account

Back in XX/XX/XXXX, I made a phone call to Citibank customer service to close my Citi AA Advantage card. I explained I was not interested in collecting miles with XXXX XXXX, paid the full balance and was informed the account would be closed. 

However, in XX/XX/XXXX and XX/XX/XXXX, I noticed several fees/interest charges on my account and realized they had sent me to collections based on a {$0.00} interest charge and other fees totaling {$38.00}. On XX/XX/XXXX I  spent several hours on the phone again trying to close this account. I spoke to at least 9 different representatives : an agent identified as # XXXX in the collection department who transferred me back to the main call center, an agent named XXXX # XXXX who transferred me to another customer service representative with a foreign accent, an agent with employee ID # XXXX who transferred me back to the main number, agent # XXXX in the collections department, account manager XXXX # XXXX, someone in technical support, someone named XXXX in the Maryland Office, someone named XXXX in a call center in XXXX and finally a customer account specialist XXXX in the customer service department. Despite all my efforts, I'm still not certain the account is closed. On my online statements it still appears open. 

One of the agents I spoke to admitted they had a record of my conversation in XXXX  where I indicated my intention to close the account, but apparently they didn't close it because we got disconnected during the phone call. When I asked to be transferred to her supervisor to investigate this, she said she couldn't hear me and hung up the phone. It is unacceptable clients are subjected to such shenanigans when they try to close their accounts. It is clear Citi is intentionally creating obstacles and delaying the process of closing accounts with the goal of charging late fees and interest. 

Stay away from Citi
Complaint sub-issue: Old information reappears or never goes away

Equifax has removed my old XXXX account that was charged off several times and put it back which violated FCRA. It has reappeared on my credit profile and thier reporting the same item twice. Account number in reference to XXXX XXXX XXXX XXXX XXXX  card services. Please remove this account and keep it off of there this time.
Complaint sub-issue: Old information reappears or never goes away

I have 20 unauthorized inquires on my Equifax, XXXX and XXXX  credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but Equifax and XXXX  failed to respond or take action about the complaint.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information
Complaint sub-issue: Account status incorrect

please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports thanks
Complaint sub-issue: Debt is not yours

On or around XXXX of XXXX, I began receiving calls from someone claiming to be a process server representing Spotloan. The individual stated I had taken out a loan with Spotloan, the loan was in default, and I would be served papers outlining a court action against me. I first advised I hadn't taken any loans out with this company ( nor any other ). Further, the process server refused to provide any information I requested including the type of debt, the alleged amount, dates, etc. Following this troubling call, I contacted the alleged originator, Spotloan and spoke with XXXX XXXX, Credit Service Manager ( XXXX XXXX ). I explained I had not taken out any online loans let alone one with Spotloan. I advised they identify the bank the funds were direct deposited to. XXXX put me on hold while she dug further. When she returned, she advised that the individual who received the funds was, in fact, not me but rather a person named XXXX. She stated she'd mail a letter to me ( see attached fraud inv. attachment ) confirming the loan was not taken out by me and that I was, in fact, a victim of identity theft. Further, XXXX indicated the matter was closed and I would no longer be contacted by Spotloan or any of its affiliates. What's more, I was told this alleged debt would not be sold. 

In XXXX of XXXX, I received a letter from a company called XXXX XXXX XXXX, XXXX, instructing me to contact XXXX XXXX XXXX XXXX XXXX Vice President of Client Services ( XXXX ) to resolve. I made contact Mr. XXXX and advised this loan was not taken out by me. I reached back out to Spotloan and spoke to XXXX S. ( XXXX ) who contacted the debt purchaser ( XXXX XXXXXXXX XXXX ). They confirmed that my account had been closed ( see debt_solutions attachment ). Even though I was promised that this fraudulent activity would not be reported to the agencies, this alleged default was indeed reported not once by XXXX XXXX XXXX, but three times. Even though this was a debt I contested, I received a letter from BlueChip Financial ( dba Spotloan ) stating the debt, ( of which I never incurred ) was forgiven due to a class action settlement in Turner vs, ZestFinance, Inc. ( cs. no. 3:19-cv-293 ). Receipt of this letter further upset me as it suggests the debt was valid yet forgiven. Spotloan sent two 1099-C forms ( attached ) : the original reflecting an actual amount I was never responsible for to begin with and a corrected form reflecting {$0.00} of debt discharged. 

Today, XX/XX/XXXX, I received an offer to settle the debt from a company identified as XXXX XXXX XXXX ( see halsted attachment ). I reached out to this company to inform them that this, as explained to the other collectors, was fraudulent and requested they send a letter reversing this action as it was proven through an investigation by Spotloan to be just that, fraudulent. Knowing the behavior of these organizations, I'm now reaching out to you to address this most egregious action by multiple collectors.