Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Checkr XXXX XXXX has being using an old Child Support Civil Case to slander and hinder my name so i can not make a living Driving for XXXX, XXXX, & XXXX sites of which i earn my living. The phone number listed is a XXXX lady that answers and is not the number to the XXXX XXXX XXXX XXXX XXXX GA who has the record of this matter. I dont even undersatnd how they got the record. I current hold a renewed US Passport & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which a Federal Background Check is run and i dont have a issue with obtaining both.
Complaint sub-issue: Can't use card to make purchases

Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     Thank you.
Complaint sub-issue: Information is missing that should be on the report

The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I sent XXXX, Equifax Credit Information Services , Inc. and XXXX certified letters disputing a bankruptcy listed on my credit file. XXXX   has deleted this information off of my personal credit report. Equifax and XXXX has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My citi card was charged XXXX on XXXX-17 for XXXX internet security a Russian company.Prior to this charge I contacted them via internet and said to not charge my account.I have protection thru my cable company.I also called citi cards and explained to them the rep.suggested we destroy the exsiting card and issue another card with different account numbers so this XXXX company could not automatically charge the new card.This conversation may have and should have been taped by citi cards.My complaint is 2 fold against citi cards for not protecting my credit and against XXXX for charging for something do n't want and by the way never downloaded their info to be used.
Complaint sub-issue: Didn't receive enough information to verify debt

My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. 
I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX   and I found a balance of {$1500.00} plus I did not understand. XXXX  told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.
Complaint sub-issue: Problem with customer service

Hello, I have been trying to get an answer from fed loan servicing for over a year on the following issue. The payment window of XX/XX/XXXX I made a payment but FedLoan servicing placed my loan on forbearance based on national standards that month. Over a year ago I inquired about this and Fedloanservicing offered to remove the forbearance and then count my payment towards the PSLF loan payment count for a qualifying payment. I have called in once every few months since then and was told many months ago that they processed the forbearance removal but they havent counted the payment yet. I am trying to get closure on this issue before Fedloanservicing hands over my loans to the next loan servicer at the end of XXXX. 

Thank you, XXXX
Complaint sub-issue: Can't temporarily postpone payments

I have been told that my student loan is past due XXXX for which I ca n't afford to pay back. In my most recent conversation the person I spoke to XXXX at XXXX this morning was very rude. I have done what Fedloans has asked me to do 8 times within the last XXXX months and nothing has happened in regard to the past due notices of XXXX. Today I was told that it has gotten to this amount from the amount of XXXX. I just want for them to do what they say and make the payment XXXX dollars until i can pay it back or not have to pay it at all for all the pain i have gone though for them to do what they say.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX {$22000.00} 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX : # XXXX, XXXX : # XXXX '' '' '' 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/XXXX/Equifax credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XXXX/XXXX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXXEquifax has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
Complaint sub-issue: Account status incorrect

I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to increase my credit through my credit card company ( XXXX ) since XX/XX/2019 but I keep getting the following error : " We were unable to obtain your most recent monthly payment data from the credit reporting agency ''. I also noticed my score on my credit monitoring service ( XXXX ) is way off compared to XX/XX/XXXX ( 50 points lower, even though they use the same system ) and has not been updating at all for months now -- despite drastic changes like bringing credit utilization down from almost 90 % to 0 % -- literally, no change in my score but XXXX and XXXX scores drastically changed. The account info is updating but not the score, and I believe this is because multiple third parties that are pulling this info are not able to access my credit report from Equifax due to " split file '' issue. I have tried calling them for months, and they insist the scores can diverge, but considering my credit card company pulls data from Equifax & my score has not budged since that time ( despite drastic changes in utilization ), the problem is 100 % their system reporting / inability for third parties to access my Equifax score. Additionally, one of my credit accounts shows up twice on my Equifax report, but not on XXXX or XXXX, even though it is one account. I've been contacting them multiple times since XX/XX/2019, and I've had customer service reps insist nothing is wrong, I've had customerservice reps hang up on me multiple times for simply asking them to look into this, and I'm tired of having to go through this ... I also saw online someone faced the same issue and Equifax gave them a hard time and denied it was split file.https : //ficoforums.myfico.com/t5/General-Credit-Topics/Issues-with-Equifax-scores-report/td-p/5719571I just want this resolved so that my score can reflect my current credit situation for applying for an apt this month, and also so that I can apply for a credit increase. I believethis is from a " split file '' and Equifax needs to clean up my soft inquiry data ...
Complaint sub-issue: Received bad information about your loan

On XX/XX/2021 I received a call from Guidance Alum stating that I was eligible for President Biden 's Student Loan Forgiveness Program. Because they had information that was relevant to XXXX, I thought the call was legitimate and authorized future loan payments. On XX/XX/2021, Guidance Alum deducted {$260.00} from my checking account ; however, no changes were made on XXXX and I was still expected to make a payment for the month of XXXX. On XX/XX/2021 I unauthorized future payments and verified with XXXX that Guidance Alum is a scam and I am to continue my loan payment arrangement with XXXX.
Complaint sub-issue: Information belongs to someone else

THIS COMPLAINT IS SUBMITTED BY ME PERSONALLY! WITHOUT INFLUENCE FROM A THIRD PARTY.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted Equifax in writing on XX/XX/22 and XX/XX/22, pursuant to 15 USC 1681b. I have never given Equifax any written consent to have these items furnished on my consumer report. After seeing that no disputes have been opened after my last written notice. I called XX/XX/22, as a third attempt to have these items removed from my report and was told that they could not be removed until after they have done an investigation for items that shouldn't even be on my consumer report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my Equifax and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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  VETERANS XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had attempted to make a purchase and it still reflects these purchases and has not been refunded on account. These purchase add up to over {$1000.00}
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Funds not received from closed account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX RE : Complaint against CitiBank and theft of funds Dated : XX/XX/2022 On XX/XX/2022, I went to see my father in law XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. I brought 2 envelopes that came into our mail box addressed to him I explained to XXXX that it was hard for me to pay the rent and bills on my own and that I was trying best to hold the apartment for him until he is stable to come home. I explained that my mom passed away last year and I can not afford to pay all the rents.these hardships caused me to go into debt. I asked XXXX if he could offset what was owed with his checks that he hasn't cashed in many years. he agreed and said he never wanted the burden on meXXXX is XXXX and has no movement in both his arms and hands. So I helped him endorse the checks to be deposited into my citi mobile deposit so I can pay the rent I immediately paid ( via mobile deposit ) XXXX rent which I was behind because I'm injured and work part time I then received my pay check the next day which together with XXXX 's check was supposed to be forwarded to XXXX 's rent. 

XXXX Bank froze my hard earned money I worked for and froze my XXXX father in laws check towards XXXX 's rentI am trying to have my father in law come back home to a stress free house and his rent paid in fullBut it appears that Citi has stolen our funds that we need to pay bills. Also, we pay the rent every month in which it is documented.There is no fraud My father in law endorse the check because of his XXXX and attempt to hold our only home we have. 

Wherefore, I hereby respectfully request you and your office to please contact Citi who refuses to be reasonable and return our funds so we can pay our rent and billsI 'm a struggling father of XXXX small children and my mom died and father in law is all I have I thank you in advance for your help and assistance regarding this serious matter before I get evicted Sincerely, XXXX XXXX and family cc : file
Complaint sub-issue: Other problem getting your report or credit score

Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with XXXX XXXX  Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another XXXX XXXX XXXX Visa and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the XXXX card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the XXXX Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the XXXX XXXX Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, XXXX XXXX reported me to the credit agencies ( Equifax, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.
Complaint sub-issue: Reporting company used your report improperly

Eq uifax Inc. 's systems were struck by a cyberattack that affected approximately 143 million U.S. customers of the credit reporting agency. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers were accessed from XX/XX/XXXX through XX/XX/XXXX. My personal information was included in the leak, and I was not informed by Equifax. Even though they have all of my information, no notification was received via mail, email, or phone. I was notified through a third party ( XXXX XXXX ) of the leak and am in the process of taking steps to prevent possible damage to my credit/tax information including putting a 90 fraud alert on my credit reports, updating my personal and account information through my identity protection service, and filing this report. Further Action will be taken if fraud or identity th
eft results due to this leak.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.