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

To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and Equifax, XXXX, & XXXX. Please read the attached letter correctly.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX we filed a Chapter XXXX  Bankruptcy to get rid of outstanding debt in attempts to save our home. Our case was discharged on XX/XX/XXXX. Our home was mortgaged withXX/XX/XXXX at the time. Ive attached some supporting documents and you should find on page 3 of them a page from our bankruptcy case confirming that we filed to retain the residence and reaffirm the debt withXX/XX/XXXX continuing our payments to them through this whole process. Our bankruptcy lawyer recommend that after the case was discharged that we should attempt to get a mortgage modification. 

After the discharge on XX/XX/XXXX we took a moment and then contacted XXXX  and started the process to secure a modified loan with XXXX XX/XX/XXXX which took effect XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sold our loan to XXXX. 

We didnt think to check our credit, being told that bankruptcy would take its obvious toll on it. Imagine our surprise when we decided to finally try to build it back up in XXXX and lease a car only to find out it was worse than we thought with one of the reasons being because our mortgage wasnt being reported. When we called XXXX they stated that it is XXXX   XXXX XXXX 's fault and threw our bankruptcy back in our face. XXXX XXXX XXXX wouldn't even talk to us because they no longer held the loan. The one thing they both said was that some paperwork wasnt filed correctly and tried to lay blame on the lawyer. I tried to call our lawyer, only to find out that hes moved out of state and is no longer practicing. I only have our filing documents which clearly show that retain property and reaffirm the debt are marked off. I have no idea if a certain document was supposed to be filed along with it. Just to be clear I asked XXXX who they have been receiving payments from for our address and they confirmed that it was us and I followed with the obvious question, then why arent you giving us credit for said payments and they claimed they can't because of the bankruptcy. Their remedy was to refinance. Sure, what kind of rate are you going to give us when we cant improve our credit score because you wont give us credit for our payments?! 

Eventually XXXX  becameXX/XX/XXXX and the real estate market has improved and we are no longer upside down in the mortgage and XXXX XXXX continually pesters us to refinance. We thought now is the time and tried to take them up on it only to find out they are still holding the bankruptcy over our head while encouraging refinance ( see attached document from XXXX XXXX ) and we are 8+ years post bankruptcy. To this date we have not been given credit for our post bankruptcy mortgage payments. Thats 8+ years of payments XXXX  XXXX XXXX and XX/XX/Mr.XXXX have failed to report. This house really exist! Weve lived in it, raised a family in it and maintained it for 22+ years. We pay property taxes for it! The mortgage companies accept our money for it! Give us credit for it..fair and simple.
Complaint sub-issue: Problem lowering your monthly payments

In XX/XX/XXXX I took out a spousal consolidation loan. The original balance was {$50000.00} with monthly payments of {$220.00}. The loan was a graduated loan that went from {$220.00} to {$900.00} and I was unable to pay the loan as I and my wife were working for XXXX. 


The loan went into default and the balance was accelerated from {$50000.00} to {$160000.00}. The current balance includes {$48000.00} in unpaid interest and over {$60000.00} in fees. 


My wife and I divorced in XXXX but the spousal consolidation can not be divided. My original student loan debt was {$17000.00} and my ex-wife balance was {$23000.00}. 


The terms of the spousal consolidation loan were not clear. The fees charged are usurious in nature.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I used my Macy 's American Express credit card to pay for a cruise with XXXX XXXX XXXX. Due to the pandemic, I could could not cruise on XX/XX/XXXX as scheduled. I tested positive for the XXXX XXXX on XX/XX/XXXX which I contracted at my job working at XXXX. My section commanding officer died of XXXX XXXX as well as my coworker. Thankfully I lived. The cruise was cancelled regardless. 
I complained to Macy 's American Express that I did not want to pay the {$2400.00} charged to my card by XXXX XXXX XXXX. Macy 's American Express sided with XXXX XXXX XXXX and refused to credit back to my card the {$2400.00}. The reason I am told is that XXXX XXXX XXXX is willing to provide me with a credit one year from the cancelled cruise to use toward a future cruise. This is a ridiculous position for Macy 's American Express to take. I use my Macy 's American Express because of their advertised benefits of protecting their customers. I am being asked to pay for a future cruise now, during a pandemic, instead of receiving a full credit to my card. I do not even know if XXXX XXXX XXXX will be in business in the future. I do not know how, I am suppose to actually go on a cruise in XXXX based on the current outbreak of COVID cases in NY. Yet, I must pay Macy 's American Express their money. Macy 's American Express should be telling XXXX XXXX line that the consumer should not bear the cost of a future hypothetical cruise at the present time.
Complaint sub-issue: Their investigation did not fix an error on your report

Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this XXXX XXXX. This account was actually deleted or removed from XXXX  and Equifax due to several violations on reporting but equifax continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information
about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Was not notified of investigation status or results

CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX XXXX I was charged {$290.00} from XXXX XXXX XXXX. I call endlessly to reverse charge but no one answer the phone. On XXXX XXXX I open a dispute with my discover card. They told me they were going to try to fix the issue and in the meantime my XXXX was frozen, meaning I didn't have to pay it back. On XX/XX/XXXX XXXX the XXXX XXXX XXXX gives me the refund back. On XXXX XXXX discover says I owe them {$290.00} again. When I call the dispute department they said they didn't realize a refund was given to me back on XXXX XXXX and I have to give them back {$290.00}.
Complaint sub-issue: Problem with fees

Macy 's Credit Card issued by Macy 's through Department Stores Nat. Bank. 
I used this credit card only in Macy 's and always paid it monthly in full and on time. I do not use any credit. 
Suddenly in XX/XX/2020, they charged me a {$28.00} fee for Late Payment. I did not owe them any money. I called them and asked them to cancel this undue charge and to cancel the card. I do not have any card debt and can not afford any charges. They accepted verbally to cancel the {$28.00} fee and to cancel the card. 
To my surprise, they continued to charge the card with Late Fees and Interest. 
To this date, they have charged {$150.00} ( Late fees for {$140.00} and interest for {$4.00} ). 
They have kept the account open against my will to charge fees and interest. 
This is clearly an attempt to collect money from a person who does not owe because she is not buying anything. Apparently they want to increase the account with more charges each month until the amount increases to thousands of dollars. I refuse to pay this or any amount they charge in the future.
Complaint sub-issue: Don't agree with the fees charged

I have been paying this loan of XXXX for over 10 years. Something is wrong! Too much money each month.
Complaint sub-issue: Account information incorrect

I have 24 inquiries on my credit report that I did not authorize
Complaint sub-issue: Problem with personal statement of dispute

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Complaint sub-issue: Other problem

I got an email stating that I will receive my security deposit back and my credit limit has been raised from Discover on XX/XX/2021. That I should receive a check within 5-7 buisness days. I call each month and while the staff is friendly and seems helpfully on the surface, I get different answers and responses. My last conversation ended with a supervisor giving me his word that he will follow up on the XXXX of XXXX due to the policies to see if I still haven't received the 3rd check they have told me they have sent out. He will call to expedite the 4th check. Well. It is the XXXX of XXXX and I haven't received a call nor will I expect to receive one. They keep trying the avoid accountability by said the United States Postal Service isn't making due with the delivery. That it possibly got lost in transit. While I under stand that is a possibility, the odds after 3 checks is highly unlikely and a miscommunication on the address is not possible as they ask to confirm my mailing address everytime.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In Accordance with the fair credit reporting act XXXX and XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my Equifax credit report, and saw inquiries that I did NOT authorize. I am requesting that these inquiries be removed immediately. Below are the following inquiries that need to be removed : Inquiry date : XXXX Creditor Name : XXXX XXXX XXXX XXXX date : XXXX Creditor Name : XXXX
Complaint sub-issue: Fee problem

On Friday, XX/XX/XXXX at XXXX I looked at my checking account and see what my available balance was so I can transfer my funds to another account.US Bank indicated that as of XX/XX/XXXX XXXX my available is {$590.00}. I proceeded to transfer all of {$590.00} to another checking account. 

The next day I took another look at my US bank checking account again and I was shocked that they charged me with four ( 4 ) overdraft fees of {$36.00} each and balance was negative - {$680.00}. I immediately called them and asked the rep what happened to my account resulted in a negative XXXX. She said I had transactions that were still pending. 

If I had transactions still pending, why would they indicated that, as of XX/XX/XXXX XXXX my available amount is {$590.00}? 

Thats just deceiving and tricking customers into believing what they have available then charge them with overdraft fees. Thats not difference than stealing money from someone. US bank STOLE MY MONEY! Why would they have sick practice that is so unethical? 


I told the rep that If I transfer the money back to my checking account, would she able to remove the overdraft. She said no and they are not willing to work out anything with me. 

I am speechless and angry the fact that I was willing to work with them by undue my transfer in hope that they would reverse those overdraft fees but they said they wont do it and my account remained negative. 

They set up this trick to steal my money and others peoples money. US bank is a big thief and they will not return my money
Complaint sub-issue: Account terms

I check My credit report weekly. I have found that Equifax has a XXXX account # XXXX XXXX XXXX XXXX reporting the amount owed at {$620.00} as of XXXX XXXX 2015. {$620.00} is the incorrect amount. Since this amount reporting is incorrect it should be deleted from my credit report as per FCRA rules.
Complaint sub-issue: Problem with personal statement of dispute

the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, XXXX XXXX XXXX fees monthly after statement date
Complaint sub-issue: Reporting company used your report improperly

Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX ( appearing three times ) and XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.
Complaint sub-issue: Information belongs to someone else

I noticed unauthorized inquiries on my report which comes from identity theft. I filed a complaint with identity theft.gov and my FTC Identity Theft report reference number is XXXX.
Complaint sub-issue: Don't agree with fees charged

I used to go to XXXX XXXX, also known as XXXX XXXX. When I was there apparently I took out a genesis loan, and not until recently was I informed that it was not supposed to show up on my credit report. Well it does, I am a kid who is only XXXX and is trying to support a family, and this " ding '' on my credit report is really hurting my financial stability.
Complaint sub-issue: Account status

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from Equfax. When I got my score XX/XX/XXXX it was XXXX XX/XX/XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as XXXX year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Equifax and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Complaint sub-issue: Contacted you after you asked them to stop

IC Systems in XXXX XXXX, MN has continued to call my business phone for 4 years. The company asks for a XXXX and I have repeatedly told them there is no XXXX here. Several time I tried to explain and the caller would hang or say my number will be removed. But it has not. My most recent call was today XX/XX/XXXX at XXXX. I spoke with manager XXXX XXXX. She claimed she will remove my number but I do not believe her. This is my business and IC System calling prevents my clients and potential clients from getting in contact with me. Its harassment and its causing my business to suffer.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}
Complaint sub-issue: Old information reappears or never goes away

All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this discover account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Complaint sub-issue: Reporting company used your report improperly

Equifax breach of Personal Information. I was one of 134 million potential consumers whose information was obtained via a security breach. I believe this breach could have been presented if proper security measures were implemented by Equifax. I have not voluntarily supplied my personal information to Equifax.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I booked a room and when I entered the room it was disgusting! Rips in the couch, brown sheets that were once white, electric wires hanging from the wall, cabinets zip tied shut. When we tried to get out money back for the room the property manger went crazy and was verbally abusive. They refused a refund and charged our card again the next fraudulently. Discover would not dispute the charges and failed to protect us as promised.