Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX identity iq or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting XXXX or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report
Complaint sub-issue: Information belongs to someone else

Dear CFPB, These two mortgage companies reported false information on my credit reports.

PNC MORTGAGE and XXXX XXXX XXXX.

I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Complaint sub-issue: Fee problem

Since XXXX XXXX I have been unemployed. Due to issues with unemployment, i did not receive payments until end of XXXX. I back then informed citibank of my unemployment issues and they reversed 2 ACH fee charges. 
XX/XX/2021, my unemployment was completed, no extension available. Unfortunately, I was sick with XXXX for 4.5 WEEKS. During this time payments to my creditors were on Auto Payment. This created an exorbanant number of charges to my checking account. CItibank has been calling me 2-3 times daily. I have explained to them I have been sick and to ill to manage my account. I am unemployed and have filed for Welfare. I was informed by the banking representative, he apologies for my troubles but i need to pay them for the return payments. 

I have a mortgage of XXXX a month, an exceeding past due and large electric bill. I have zero medical coverage. I can not afford to pay citibank for insufficient fund charges. 
The reps at citibank said there is nothing they can do this is a system issue. there is no manager i can speak with and i will just have to pay. 

I owe citibank over {$600.00} in insufficent charges, they did not cover any of the payments, these are insufficent charges. 

I have not one dollar to my name. 

No one at citibank will help me. Welfare is on a 6 week back up. Also attached is my electric bill validating i can not pay my bills at this time. I am in dire straights. 

Please help me.
Complaint sub-issue: Transaction was not authorized

Hello, I am a candidat from an employer company that delivery deposit for employement> I would like to looking at some occur expense to take into my account. This charge is frequently and not dispose the time automatically for charge out. Then, I suppose too not from my expense of statut ( XXXX ). 

I m stunned because a high amount was take out. And wish to address this subject. Because don't be sure to active this amount to out. 

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

Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.
Complaint sub-issue: Information belongs to someone else

I have never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Complaint sub-issue: Banking errors

After trying on numerous occasions to resolve this complaint directly with Citibank, and being sent hither and yon without resolution, I initially filed a CFPB complaint ( see attached ) on XX/XX/XXXX regarding a promotion that Citi was offering in XX/XX/XXXX for XXXX American Airline Frequent Flyer miles if you opened a checking account with them and met certain conditions ( in the first two-months after the card was issued you were required to purchase {$1000.00} of goods or services using the Citibank Debit or ATM Card. And that within two months of the account being opened, you had one or more recurring charges to the account ). 

The promotional material that was sent to me was incorrect and misleading in terms of the nature of the recurring payments that qualified ( see attached initial promotional material ). 

In response to my complaint, Citibank does not acknowledge the incorrect promotional material. But rather refers to promotional material for a period ( XX/XX/XXXX - XX/XX/XXXX ) that postdates both my application and the promotion that I was applying for. Clearly, the promotional material had been corrected after my application had been submitted and accepted. 

I can understand that the initial misleading and incorrect information on the promotional material that I was supplied might have been incompetence, rather than by design. 

But clearly at this point, rather than acknowledging their mistake and rectifying it, Citibank has not only decided to stonewall, but astonishingly refers to a promotion and documents for a period after my application. The dates of my application, and the promotional material that I was supplied, are clearly dated for XXXX, with the offer expiring on XX/XX/XXXX. How is it possible that Citibank references a promotion that started XX/XX/XXXX?
Complaint sub-issue: Information belongs to someone else

I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX XXXX ) to verify a public record. My XXXX XXXX credit report is frozen yet they claim to be using them to verify this public record below. 

XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet XXXX  keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. 

the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i  ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. 

XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.
Complaint sub-issue: Account information incorrect

I have 18 missed payments from this company. 6 loans showing 3 missed payments each. I have never missed a payment and this is  reported incorrectly. I have filed multiple disputes with this company as well as with the credit bureaus with no response. During this time the company states I missed payments, I was currently enrolled into school which would have kept my loans in deferment. I have contacted the company for validation and help in resolving this matter with no luck. They are unable to provide me with an answer or validation.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

As a Federal protected Consumer, I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint.

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Complaint sub-issue: Charged too much interest

I have a Citibank MasterCard. I made a payment on XXXX of {$9300.00}. As of that date my balance was {$9200.00} so I overpaid. I received my statement this month and I will still charged {$99.00}. The explanation given to me by Citibank made no sense why I was charged interest. Based on their rational the statement was incorrect than because even though it said what my full balance was, paying that doesn't matter, I still was going to get charged interest which makes no sense.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.
Complaint sub-issue: Public record

I had applied for a mortgage loan and was denied and provided a copy of my credit report. To my surprise I found multiple accounts listed on my credit report that do not belong to me. I sent a letter certified mail to Equifax , which was delivered and signed for on XXXX/XXXX/2015, disputing the inaccuracies, primary a inaccurately reported judgement listed as XXXX is unacceptable that the items are still listed on there. The same items were disputed with XXXX and removed, due to the facts that they are not mine and were reported inaccurately. 
Equifax is directly and negatively affecting my ability to not get a home loan. I find it highly impossible that Equifax is reporting information correctly on me and others and this is unacceptable. There are numerous complaints listed on the XXXX website, this site as well as other sites and this seems to be a common complaint.
Complaint sub-issue: Information belongs to someone else

Noticed an accounts on my report that is not mine XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.
Complaint sub-issue: Didn't receive services that were advertised

I went on-line to order a free yearly CLUE report. Lexis-Nexis asked me a series of questions to verify my identity. One of the questions did not have any correct answer, so I replied with the closest choice, flunking the exam, and the system would not produce the report. I was forced to call Lexis Nexis. The wait time was in excess of 35 minutes. The FCRA states that the wait time can not exceed 15 minutes. When Lexis Nexis finally answered the phone, I got a representative who I could not understand due to his fast talking and accent. I had to tell him several times to slow down and speak clearly. After ordering the report, I filed a complaint with the representative concerning the incorrect information that the website asked me and the excessive wait time. The representative could not comprehend what I was telling him, I had to politely terminate the call due to my frustration with his speech and ignorance
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with CONN CREDIT CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.
Complaint sub-issue: Problem with personal statement of dispute

I have reached out this Debt Collecting Company by the name of IC Systems.

I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I have spoken to Two separate representatives and also Two supervisors that were on duty at that time. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if ic systems are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

I suffered an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached.

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Complaint sub-issue: Account status incorrect

XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.
Complaint sub-issue: Information belongs to someone else

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( XXXX. EXQUIFAX. XXXX  ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on Equifax went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and Equifax put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call Equifax about my credit? Now Equifax has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great Equifax who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX  well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to XXXX, Equifax and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for Equifax. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

2. XXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX XXXX  L Original creditor : XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX  XXXX  C/O XXXX  -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  & Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Debt is not yours

CBM services was calling on my personal cell/ work phone to collect a debt not owed by me. I informed them I wanted correct accounting of debt we which was not provided. The correct amount is {$870.00}. 31. They informed me a owed {$960.00}. 31 plus {$280.00} collections fees for over 90 days late. I explained that my bill was incorrect and wanted a correct accounting of bill, at which time I could pay. I never received the correct billing and it was place in civil suit, I am being sued for {$1200.00}. 40. I had a pretrial hearing, and was told that billing should be corrected. Company corrected the billing but still charging the XXXX collections for not paying the " incorrect '' amount in 90days
Complaint sub-issue: Problem with customer service

Mohela incorrectly sent me a letter stating that one of my prior government employers did not list their contact information. 
I have tried multiple times to get someone from Mohela on the phone but can never get through. 
I'm attaching my PSLF forms again to the CFPB complaint, and I want Mohela to correctly process my information and forgive my student loans.