Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed this with the credit bureaus and they will not remove these. I have filed a police report for identity theft. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX. 

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

On XXXX, I tried to open a My Social Security account. In order to verify my identity, the form asked questions based on Equifax 's credit file for me. The questions related to loans, leases, accounts, addresses, former names, etc. that did not pertain to me. 

I called Equifax 's help center & was presented with a similar set of questions that Social Security presented me. I could not answer the questions, as these were not my accounts, loans, etc. The person refused to speak to me because I could not answer the questions. 

For the next 6 days, I tried both Equifax & Social Security again. Each time had similar error questions. 

On XXXX, I called Equifax again. The problem remained. I asked for a supervisor and the call was terminated by Equifax. I called back & was told to send certain information to Equifax so that i could repair the problem. I faxed the information immediately. 

On XXXX I received a mailed credit report from Equifax. The error information from XXXX, etc. was not on the report. I called Equifax back. Again I was presented with several questions to verify my identity. The questions still related to someone else, so the agent would not speak to me. I asked for a supervisor & the call was again terminated by Equifax. 

On XXXX I tried calling Equifax again. The same incidents occurred. No agent would speak with me. I asked for a supervisor and the call was terminated by Equifax. 

For several days, I called Equifax again. The problem with the questions remained the same and again, a sking for a supervisor resulted in being disconnected. 

On XXXX, I wrote to the CEO of Equifax ( by US Mail ). 
As of this date ( XXXX ) I have received no reply and the call-in questions remain the same. 

It appears that Equifax has my file mixed with someone else 's file, at least for the part that is used to verify ones identity. 
Therefore : A ) I am prevented from answering identity verification questions for any entity that uses Equifax for such verification. The Social Security Administration is one example. Equifax themselves is another. 
B ) I am prevented from ever speaking with anyone from Equifax to correct any erros which may exist on my credit file. 
C ) I am prevented from enrolling in Equifax 's on line system to monitor, lock or dispute my account. 

I apologize for taking your time, but I am out of options to get this computer error repaired. 
Thank You for helping. XXXX
Complaint sub-issue: Debt was paid

I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXXXXXX XXXX XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying since XX/XX/XXXX to purchase a home and have had my credit pulled several times but the Equifax does not provide my report to the Morgage brokers ( 2 different companies. I have tried over 53 times to correct the issue to no avail. Lenders receive error message of some type of fraudulent inquiry and they have not been able to pull my credit from Equifax this is holding me up. I have called on : 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/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT SYSTEMS would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Information belongs to someone else

I'VE BEEN IN CONTACT WITH XXXX XXXX  AND THEY HAVE ALL POLICE REPORT AND FTC REPORTS AND COURTS DOC AND THEY STILL WANT REMOVE THIS FRAUD ACCOUNT, BUT THEY REMOVED THE ADDRESS TO THIS ACCOUNT AS FRAUD BUT NOT THE ACCOUNT. I WILL BE FILING SUIT AGAINST XXXX XXXX BECAUSE THEY HAVE PROOF THIS ACCOUNT IS NOT MINE! I WAS IN ICU WHEN THIS TRUCK WAS PURCHASED SO HOW CAN I BE IN TWO DIFFERENT PLACES AT ONCE.
Complaint sub-issue: Account information incorrect

XXXX XXXX  CREDIT CARD -- XXXX GAS CARD ACCOUNT XXXX ONCE AGAIN XXXX XXXX HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... XXXXIN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - XXXX  ( I have no XXXX credit cards ) XX/XX/XXXX - CREDCO ( The only service monitoring my credit activity is XXXX. I don't recognize Credco. ) XX/XX/XXXX - XXXX XXXX ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )
Complaint sub-issue: Didn't receive enough information to verify debt

I have mailed letters to each creditor on my credit and not one agency sent me prove it was my debt, not one agency could verify my signature to the debts because they do not have it. I requested them to be removed and they are still reporting.
Complaint sub-issue: Account status incorrect

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' Remove XXXX  XXXX account from credit report immediately
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have made repeated attempts with Macys Credit Card Services at having the balance removed from my account as all the purchase were made by a third-party. Macys Credit Card Services repeatedly told me that the balances would be removed and transferred over to the third party but to this day it has not. Numerous telephone calls were made with Macys Credit Card services, the third party and myself to rectify the matter to no avail. Third party acknowledged repeatedly that all charges were his and to remove them from my account and add to his. Macys Credit Card services stated that I had over paid my account by {$1600.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

FEDLOAN SERVICING IS Reporting a balance of {$2000.00} on a closed account since XX/XX/2013 with a monthly payment of {$24.00}. XXXX will not update account that has been closed over 7 years.
Complaint sub-issue: Problem getting report or credit score

Item 1 : Use of Credit Score : It should be by law that if a Service or Vendor uses a credit score from XXXX of the XXXX credit agencies, to determine an account with said company. 
That Service or Vendor is required to report any and all account activity ( both recent and current ) to the credit agency they obtained the credit score from. Not reporting is discrimatory to that consumer. 
There are too many consumers who have had problems with ID Theft-There is NO actual assistance from anyone to aide in restoring a consumers credit. 
Too many of these Services and Vendors are capitalizing on this and requiring a deposit from that consumer. There is NO return time for that deposit, no interest for the consumer for the monies being held by Services or Vendors. 
There are alot of Consumers who have opted out of credit-why should we pay for ID Theft over and over again-There is NO ONE there to assist us. We do not need ways of preventing it-we need laws that would prevent it. We need the XXXX Credit Agencies to be more responsive to who is looking and why? 
Handing out credit scores to any Service or Vendor is WRONG! If that Service or Vendor is not a member or does not contribute to these agencies ( Consumer Account Data ), that Service or Vendor will be kept from obtaining any data. 
I am tired of paying for other peoples lives! 

XXXX is a good example of profiting off of deposits from credit score usage. It does not matter the amount, even a {$.00} profit is discrimatory to that consumer, when using the credit score-the only basis for acceptance for service. 


Item 2 : Time for Broadcast vs Time for ADS Rules need to be established for AD Usage on TV. 
A 30 min NEWS schedule is not 30 mins of News, but approx 12 mins. of News ; 18 mins. of ADS for profit, Ads for TV Network, Ads for Public and Charity ( very few for Public and Charity ). 
Ads have become longer in time ; Infomerials are now 1 to 2 mins ; Ads for prescription drugs are biggest abusers of time for Ads. 
TV Stations KNOW EXACTLY what is happening. Every since 2008, TV Station AD Vilators, changed the amount time allowed in ads. It means HIGHER PROFIT for these AD/Time violators. How long do they think the consumer will ALLOW this to happen? I have already started writing advertisers how disappointed I am with this violation of my rights-NEWS for at Least 70 % of the 30 mins scheduled. If do not comply I will start posting bad reviews of products. Social Media Works! 
I have written XXXX ( Biggest Abuser ) ; XXXX ( Second ) ; XXXX ( Third ) about my disatisfaction on the Abusing of TV ADS FOR PROFIT. 
If a TV STATION Schedules a program-that PROGRAM Should be worth a consumers time ; At a minumin of 65 % of the scheduled time slot/program for the actual program scheduled. MEANING 35 % max for advertising ; OTHERWISE it should be called TV ADS SCHEDULED-Not ADS Guised under the programs name. 

Please, Start protecting the CONSUMERS. 
Thank you, XXXX XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have credit card with citi bank They kept increasing my credit card first from XXXX to XXXX and finally to XXXX. I recieved letter stating there decreasing my credit limit back to XXXX This isnt RIGHT since now im at that limit.. I have never been late or missed any payments and always paid more then what was asked.. Citi said it was cause of my credit report credit report said it was citi Its a big game with them. I talked to a rep and she told me that the manager could over ride this and she even gave me a XXXX credit. 

Mean while now that they decreased my credit limit it shows up on my credit report.. I thought having XXXX - XXXX was good credit To me citi bank is a big fraud and liarers
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reported all of these inquiries to the following Credit Reporting Agencies, XXXX XXXX and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Called and reported to be from a law firm representing a company tryong to serve me with a summons. Then called both of my parents immediately after o did n't answer the phone and left the same message. I called back and they threatened to send the process server to my work and that I needed to take care of thos now. I told them I do n't know who the credit card was from and do n't even remember having it. They continued the tactics until i agreed verbally to a payment plan. Then they sent me a contract to stop the process. Once I had a few minutes to think, I checked the XXXX clerk of courts and there were no suits against me and then looked at my credit and thos was n't even listed.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on VANCE & HUFFMAN LLC ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

First, the standard complaint questions do not accurately describe my situation. I hope you can still help me. I had a bank execution entered against me. I have been told the bank did not do the execution properly. The execution was dated  XXXX /17. It was served on Key Bank on  XXXX /17. It was mailed to me on  XXXX /17. The letter I received from Key Bank did not explain the proper process for filing an exemption claim form in CT. Instead of telling me to fill out the exemption claim form and take it back to Key Bank within 15 days to prevent my money from being taken, the letter told me to contact the State Marshal who served the bank execution on me. The letter did not mention that if I took the exemption claim form to the bank, it would mail it to the court and a hearing would be scheduled. The letter did not mention anything about certain monies, such as Social Security, being protected from execution. I did n't understand all of the papers attached to the letter. Finally, although the funds in my account were all from Social Security, the bank is charging me a {$100.00} service fee and the Marshall is charging me a fee for serving the execution. I contacted legal aid and was told to file an exemption claim form with the court. I have a hearing scheduled   XXXX   XXXX  , 2017 and expect to get my Social Security back. I do not know if I will get the service fee or Marshall fee returned but both should be returned.
Complaint sub-issue: Debt was paid

Debt collector attempted to collect on a proven paid debt, debt collector could not provide a professional license ID Number, debt collector asked for sensitive information that was not necessary to continue the interaction. Debt collector acted rudely.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I charged {$35000.00} for a cruise in XX/XX/2020 The cruise line XXXX cancelled the cruise in XXXX I disputed the charge Citi issued a conditional credit XXXX refunded the {$35000.00} to my Citi Bank Double Cash Card on XX/XX/2020 I requested a refund of the {$35000.00} either by check or deposit to my checking account Only XX/XX/XXXX, XXXX at XXXX, XX/XX/XXXX : replied " Expect to receive your refund check in the mail within 7-10 business days. you'll get a confirmation on email within 1-12 hours. 

Be rest assured Citi is with you. '' On XX/XX/XXXX they were still sending me messages saying the " credit balance is due to the conditional credit that we issued for an item ( s ) currently in a dispute status. " Also it was not in dispute status and they had the merchant credit On XX/XX/XXXX, Citi Said " Thank you for your patience! 
The dispute is successfully withdraw. I would like to inform you that, your last statement balance was {$280.00} and it got automatically deducted from the credit you have on the account. 
So I am going ahead and credit {$34000.00} to your checking account. You will receive the credit within 3-5 business days " This was followed by " I have process the credit balance refund. You will receive the fund within 3-5 business days, to your checking account.

Rest assured! '' Today I was told t would take another 7-10 days for them to review the refund request Basically, CitiBank is refusing to refund the money they owe me The billing dispute case ID was XXXX This should identify me to Citi
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681Section 602 A. States I have a 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