Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

I was travelling at the end of XXXX and the payment was due early XXXX. I did not have data access ( just calling ) due to cell service. I called citi and they told me the payment was due XX/XX/XXXX. I logged in and paid the full balance on XX/XX/XXXX. 

On XXXX I find out Citi hit us with a late fee plus residual interest all because the payment date Citi told me was not right. I used Citi 's chat tool to discuss with a person who stated my payment was due on the XXXX, I pointed out I paid on the XXXX and that is exactly what Citi told me on the phone. The rep than changed the date it was due again. Citi is refusing to correct their mistake. XXXX  years with this card and XXXX late payments until now. This one was caused solely by Citi lying about the payment date, if they had told me it was due a different date, I would have paid it a day before that one.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, XXXX changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through Equifax twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.
Complaint sub-issue: Debt is not yours

I requested the debt validation several times and have never received. 
This is a shem and attempt to collect the money that I do not and never owed. 
This company must be charged for extortion and attempt to rub.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Used obscene, profane, or other abusive language

Ive contacted the company several times for possible settlement. The person that handles my case is using words like you dont get a reward for bills you didnt want to pay when I attempted to negotiate among other negative comments. The person used foul language and kept on making aggressive comments. I ended my conversation more than twice on the phone with him. 
I called the company and asked for a supervisor several times and was transferred back to him. I once spoke to someone claiming as a supervisor and she said she will listen to the recording of our conversation and call me, but I never got a call. They never transferred my case to another agent despite my complaint against this person. I even make a comment that I am trying to pay the debt and Asked why he was attacking me. 
I was in a bad place in my life and couldnt pay my emergency room bill in the past. Now, I am trying to get rid of my debts and work on my credit. This person not only blocked my efforts to do so, he is unprofessional and used his position to emotionally damage someone that has been through a lot of hurdles. 
His name is XXXX and the company refused to give me his last name. 
I would like to negotiate and pay off my debt, but this person is blocking me to do so. 
Thank you
Complaint sub-issue: Information belongs to someone else

It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved
Complaint sub-issue: Information belongs to someone else

XXXX equifax & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX  misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a XXXX pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.
Complaint sub-issue: Account terms

I 'm on SSI and ca n't pay for students loans and I ca n't find out how to get them taken off my records
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a dispute with XXXX  because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I am requesting a full credit report from each credit reporting agency. I want the full report sent to my mailing address please
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, CHILD SUPPORT XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, CHILD SUPPORT Account # XXXX, XXXX XXXX XXXX Account # 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 instruction
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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. 


XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would like to start by saying I am part of the equifax data breach. On XXXX I received a notification from XXXX XXXX about a hard inquiry on my equifax report. I disputed the inquiry same day. On 1XX/XX/XXXX I received the results of dispute as factual. I have not applied for credit recently. I am saving to buy a house and am no longer applying for credit to allow all inquires to fall off. The company is XXXX/XXXX/XXXX  XXXX. On XX/XX/XXXX I  received a further notification of a blocked attempt to access my transunion account. I locked all 3 accounts on XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, I got a EIN number from a website impersonating the IRS and paid {$240.00} with my discover card. Within 3 days I realized I had been scammed and I reported it to Discover card to dispute the transaction. Discovered failed to refund my money even though I was scammed and placed a prompt chargebacks on my credit card within 3 days. 

My name is XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

My mortgage has been paid in full but it's still reporting on my credit report opened and reporting a balance and it's affecting my ability to obtain new credit.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2019 unverified charges were made on my credit card totaling over {$1000.00}. I disputed these transactions, but BB & T decided that these charges were legitimate and will not reimburse me.
Complaint sub-issue: Reporting company used your report improperly

Can you please help me to resolve this matter. XXXX found out on my consumer file that LexisNexis has furnished a Bankruptcy on my credit file and illegally shared the file with XXXX XXXX XXXX and XXXX. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not shareb this information with Lexis Nexis. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called Lexis Nexis numerous times and emailed thier CEO XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Complaint sub-issue: Reporting company used your report improperly

Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, Equifax, and XXXX are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.
Complaint sub-issue: Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX 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  XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax Credit Bureau is still sending someone's mail to my XXXX XXXX XXXX, and has listed this fraudster 's name ( XXXX XXXX XXXX ) on my XXXX XXXX XXXX XXXX  documents that I paid off. I submitted proof of my XXXX XXXX XXXX XXXX documents via mail to ALL ( 3 ) Credit agencies that shows my full legal name, loan account #, and paid in full status. My full legal name is XXXX XXXX XXXX. I have filed a report against XXXX XXXX XXXX who is illegally using my XXXX XXXX XXXX and false claiming my loan account number with XXXX XXXX XXXX. Equifax Credit Bureau is violating my Rights after being notified of this issue and not considering my contractual USPS XXXX XXXX Agreement that is in my name. I would like to file a complaint against Equifax Credit Agency.
Complaint sub-issue: Investigation took more than 30 days

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX SERVICES XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXank ) XXXX XXXX XXXX & amp ; XXXX Bank XXXX XXXX XXXX ( Bank ) CXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX CAPITAL XXXX AUTO FINANCE ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
Complaint sub-issue: Account status incorrect

I have written and mailed in letters to this company regarding my college attendance. The status of the loan reported on the credit report is incorrect it should not be delinquent it should be current or deferred I have not received any communication back from the company no correction has been Made on this account by the company. I am currently attending college and would like the credit rating to reflect current not delinquency.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Credit Reporting is failing maintain consumer 's credit file with due diligence as prescribed within FCRA. 

( 1 ) Failure to remove Inquiries timely ( 2 ) Conducting fraudulent investigations ( 3 ) Failing to give consumers access to their credit file ( 4 ) Prejudicing consumer by reporting of what is known or should be know by Equifax as misrepresented information ( 5 ) Requiring information of Consumer 's Financial information that causes Consumer to be open to identity theft ( 6 ) Unable to get contact representatives in correction of file.
Complaint sub-issue: Debt is not yours

I have been trying to stop a company called Money lion from reporting a fraudulent account on all three of my credit bureau accounts. My former bank even got involved and flagged it as fraud, refunded the money taken and had to open a new account for me in order to stop this company from withdrawing funds for some sort of program they calm I signed up for. It's also reports as a bad debt and I have disputed with all three credit bureaus but it's still there. This has now caused me to be denied a loan for a house. A house my family needs for our XXXX son. This is also hurting my credit for my company. I do not owe this company money and need this removed before it costs my family anymore than it already has. I have all of the correspondences from XXXX XXXX as proof that this was a fraudulent account and fraudulent activity.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On Equifax credit report, there is a credit inquiry made by XXXX XXXX on XX/XX/18. I never contacted this company for any kind of services. I have called XXXX XXXX, they said that they don't have any accounts opened in my name, so they are not able to further look into this matter. 

I have made a dispute with Equifax on XX/XX/18. After the investigation, they said that " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NE XXXX ''. 

The current situation is, Equifax is pointing to XXXX XXXX, and XXXX XXXX says that they don't have any open account in my name, so they are not able to investigate further. 

I am not sure how XXXX XXXX got my SSN and authorization to have a credit check. 

I am stuck in a situation without any proper closure for this issue.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX I made an order and did not receive the items. I called the company multiple times and they would not give my money. I also reached out the the borrower to get assistance and no one has reached out to me. I just want my {$700.00} back so that I can move on with my life. I also filed a police report in order to get my money back. Dc # XXXX