Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I dispute these Item XXXX XXXX XXXX : Account XXXX Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted. XXXX XXXX XXXX : Account XXXX Amount {$5000.00} I was never late on this Account : XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 60 days, and XX/XX/XXXX for 60 days. And please remove all date of these late payment must be deleted Equifax. Equifax did not compile with the State Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
Complaint sub-issue: Other problem getting your report or credit score

XXXX NO CREDIT SCORE 2 HARD INQURIES STILL POSTED TO MY ACCOUNT. NEED 2 HARD INQURIES REMOVED IMMEDIATELY AND A CREDIT SCORE POSTED OF XXXX AND BETTER I ALREADY SUBMITTED IDENTITY THEFT REPORT
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.
Complaint sub-issue: Debt is not yours

Hello, Received letter in the mail from a debt collection agency, UNIFIN, based in XXXX, IL. I called the number twice and spoke with an agent but did not get her name. When called back after contacting what I thought was the original debt who could not find me in their system I called the debt collector back. The agent XXXX who was a woman verified me by my name and last four of SS #. I then proceeded to tell her that this was not my debt and asked for information on who the original debt belonged to. On the letter the original debt is XXXX, when speaking to the agent she stated the acronym stands for XXXX XXXX XXXX Bank based in XXXX IL. She provided me with a number so that I could inquire about myself. The number is given to me by agent XXXX. I called the number once on my own and called again after speaking with the agent. I spoke to the same individual who confirmed they were not XXXX XXXX XXXX Bank XXXX, but XXXX XXXX XXXX Bank based in XXXX PA. This is clearly fraudulent and wanted to alert you to this scam!! When asking the agent where was the call center was located that I was calling she refused to provide me with that information.
Complaint sub-issue: Information belongs to someone else

XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX - CARD SERVICE -- >Inquiry date -- ->XXXX XXXX  XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX  XXXX, XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX   XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX - CARD SERVICE -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  XXXX -- -- -- >Inquiry date -- ->XXXX XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX CREDIT/XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX/XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GENTRYS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with XXXX and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXX T Y ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$580.00} TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$44000.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$500.00} ), XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$29000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$570.00} ), XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$26000.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have 2 separate Citibank cards that they both dropped the available credit balance to essentially what I owed on each which was 35 percent or less of cards being used I had nearly 700 credit and never late on payments
Complaint sub-issue: Investigation took more than 30 days

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. 

Fraudulent inquiries from Equifax is XXXX and with XXXX is XXXX XXXX XXXXXX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Billing dispute for services

XX/XX/2020 I called Equifax@XXXX and spoke with Supervisor XXXX ( that is the only information she would give me ) regarding ( 2 ) fraudulent charges to my Visa Debit card XX/XX/2020 {$4.00} and XX/XX/2020 {$19.00}. I provided my Visa Debit card # and was advised they were " unable to locate any charges to my account '' I offered the Transaction ID # provided by my bank and was advised to contact my bank because they could not locate any charges matching the card # provided. The Officer assisting me took my phone into the room where the person who provided my card information fraudulently was able to verify his SSN, Address, CADL # as well as confirmed other personal identifiers and an account was located and both charges were confirmed by XXXX ( highest supervisor available on a Saturday ) I was advised that Equifax would NOT be giving me a refund as services were provided to the consumer ... again the consumer was not me nor had my authorization or permission to use my Visa card. I was advised that I would need to provide a fax transmittal with my Bank Account Statements in order to " prove the charges to my account '' although verbally she had just confirmed the card #, amount of the transactions and dates with me verbally by phone. I questioned her refusal to reimburse me and was advised that " due to my past relationship with the person who may or may not have used my card # I was liable for the charges '' I requested to speak to someone located in the USA ( I believed we were having communication issues ) and Supervisor XXXX reiterated to me " we will NOT be issuing a refund as we provided services to the consumer '' stating also to " get my money back from my Ex Husband '' My Children and I are currently being relocated through the California Victims Relocation Board due to a pending Criminal Case against the person who falsely used my card information as a way to gain information regarding our location. At that point I advised XXXX I would be filing a complaint here as well as with the Federal Consumer Protection Board as well and it was at that point she hung up on me after wishing me " the best of luck ''
Complaint sub-issue: Their investigation did not fix an error on your report

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Complaint sub-issue: Account status incorrect

XXXX, XXXX XXXX, MERCHANTS CR ( Orig.  Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX ), XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/2021
Complaint sub-issue: Debt is not yours

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect
Complaint sub-issue: Contacted you instead of your attorney

I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it
Complaint sub-issue: Their investigation did not fix an error on your report

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Complaint sub-issue: Don't agree with fees charged

FIRST ISSUE : My student loans were serviced by XXXX XXXX. I noticed duplicate charges for all of my loans and requested an audit. XXXX XXXX stated they were working on the audit and would get back to me. I was then informed that my loans were being sold, and I would have to contact the Department of Education. I tried to resolve the issue with the Department of Education to no avail. My loans ballooned from {$190000.00} to a WHOPPING {$310000.00} with Fedloan!!!!!! I have requested an audit of my student loans, but it is falling on death ears. 

SECOND ISSUE : I have been unemployed, so I applied for the Income Driven payment plan, and recently re-certified my application 3 months ( XX/XX/XXXX ) prior to the payment due date ( XXXX ). I am currently working a temporary job with an agency as of XXXX 2016, and sent all of my income information to FedLoan for processing. After calling for several weeks to find out what my payment would be, in XXXX I was sent a denial letter that I was not eligible for the Income Driven Plan. After several phone calls, it was determined the paperwork was not reviewed correctly, and my application would be expedited ( 3-5 ) to correct the problem. In the meantime, FedLoan Servicing sends me a bill for {$3500.00} due immediately. I contacted FedLoan again, and was told an Administrative Forbearance would be applied to my account to halt all billing/payment requests until my account could be sorted out. XXXX I received another bill, now requiring 2 payments!!! One for the now delinquent amount of {$3500.00}, and another payment due XXXX XXXX for {$140.00}. I called back to find out what was going on. FedLoan stated that my account was delinquent by 33 days for {$3500.00}, and would be delinquent for {$140.00} if the payment was not made on time. FedLoan made an error in processing my paperwork, created a delinquency on my account refusing to correct the issue, and demanded the only way to resolve the issue was to have the {$3500.00} covered by a forbearance adding additional interest and fees to my account. I need help!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have fraud alert added to my credit report because I found about six unauthorized hard inquiries on my credit report. After contacting XXXX & Equifax about to them, XXXX immediately removed them, Equifax has kept them on. This is fraud and I want them removed off of my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the XXXX bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Debt was result of identity theft

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX my checking acct at pnc of XXXX was hacked and unauthorized charges begin coming out of my acct from XXXX. I do not own an XXXX nor have I ever. This wasn't caught by me until I received a low threshold balance on XX/XX/XXXX. Called the bank and many disputes had to be done because it was so many different charges from XXXX. Told me up to 10 days. On XX/XX/XXXX they took all money they did a refund which wasn't but XXXX dollars was TAKEN BACK OF OUT MY ACCT and I was denied. Didn't tell me why but said sounded as if all charges weren't reported considering the lady I spoke with over phone the day prior argued me down XXXX returned {$360.00} and it had been fixed and closed. That is along way from XXXX. She didn't seem to comprehend! I Was transferred and assured ALL CHARGES WOULD BE DISPUTED AND NOW I have to wait for another 10 to 20 days. Meanwhile, I have payments bouncing everywhere. The next thing I got was yet ANOTHER DENIAL LETTER. I added up what they disputed and what was charged... NOT the same total. No reason why. I've called stayed on hold to be disconnected after 2 and 3 hours! I called XXXX was informed without an original debit card they couldn't even look at it! The card was cut up and replaced on XX/XX/XXXX! Called the local branch a banker promised to look into yesterday and NEVER HEARD BACK! IM a single parent that lives paycheck to paycheck! I'm in bankruptcy and now I've been robbed of a whole check and PNC bank refuses to give me my money back. Is it my fault their employees can't do their job? If the case was they didn't get all charges filed so looks as if I did do some but not all? I have piles of late fees bounced fees and late on my bankruptcy and Nobody can tell me why I can't get my money back! It's been OVER A MONTH AND IM fixing to lose transportation to get my kids to school over something some XXXX XXXX XXXX  has done. I do NOT at this point feel comfortable uploading any of my documents online anywhere. I do have all of them!
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Bureau are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX XXXX XXXX i believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Complaint sub-issue: Investigation took more than 30 days

I have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before