Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

My mortgage provider made an error and reported me late for over 30 days. I initiated a dispute with Equifax and the mortgage provider sent them a letter to remove the information over three months ago. Equifax has not removed the information. I have called and written letters and provided them with the letter stating the incorrect info should be removed. The other two bureaus took it off immediately. Every time I attempt to contact them they pass the ball to another department, this erroneous information being on my report is negatively affecting my FICO score. What can you do when its the credit reporting agency making a mistake?
Complaint sub-issue: Debt was result of identity theft

Recently, I have pulled out my credit report and I am so amazed about the unauthorized accounts on my credit report. I believe that I have never had any outstanding debt with Discover and I have never any type of communication regarding this fraudulent account.Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Complaint sub-issue: Overdrafts and overdraft fees

I have made several attempts to get my account on a positive balance, however, the bank has a practice where the delayed the posting of my funds which is Hundreds of dollars on fees. Just today I requested the bank to opt me out of any draft fees, however this was requested months ago. Im you said and XXXX options through my employer which is XXXX, XXXX XXXX with the funds are immediately available, however the bank is taking 2 to 3 days to actually post the funds
Complaint sub-issue: Trouble getting a working replacement card

My prepaid XXXX ( managed by US Bank ) card was part of a data theft on XX/XX/XXXX and was turned off. They sent a replacement to an address I no longer live at and I had to wait 10 days until I could get a new replacement. Ever since, no matter what address I give them the card does not show up. I've asked them to send it via a trackable method, but they want to charge me for that. I feel like they are illegally withholding the funds on my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payments XXXX XXXX XXXX XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax denial to dispute the multiple unauthorized hard inquiries, which I believe violates my privacy by the unauthorized release of my credit reports.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.
Complaint sub-issue: Debt was result of identity theft

1. Completed a police report on XX/XX/XXXX 2. Sent a letter certified mail to IC system XX/XX/XXXX for validation of the debit and got no response 3. Active fraud alert is on file with all 3 bureau 's
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX needs to delete and remove this fraudulent account from my Equifax credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

N.Accordance with the fair credit reporting act 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: Didn't receive enough information to verify debt

This is not fair and all facts should be looked at. This was first a workmans comp case that was wrongfully entered back in XXXX. When workmans comp contacted me I told them this was personal injury and provided health insurance. 2 years later I was never notified of the debt until it showed on XXXX. I called and paid ASAP. I am a business owner and check my credit history Im 100 % on payments. Zager collection claims it was put in back in XX/XX/XXXX. Never revived any mail or anything on this debt. I was forced to pay to avoid bad credit rating. XXXX says it was put in XX/XX/XXXX. Theres a date Discrepancy. When it says XXXX. Good way to Ruin someones life and credit. Its wrong to put this against me and drop my credit rating. Please resolve or help me resolve to get removed. Thank you XXXX XXXX
Complaint sub-issue: Information is not mine

I have sent in at least on XXXX occasions to have XXXX charge-off 's to be removed and blocked from my credit report due to Identity Theft. I have submitted a police report that stated these items are fraudulent and for them to be blocked and I have also submitted an FTC affidavit. The XXXX charge off that need to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I submit to Equifax the XXXX Identity theft letter and back up they submit the dispute as a regular dispute instead of blocking the ID theft items and removing them from my credit report. They refuse to tell me how they investigate the information. I just want these resolved as the other XXXX credit reporting agencies have already removed these items as they should.
Complaint sub-issue: Account status incorrect

A balance is still incorrectly on Equifax, has been properly removed from the XXXX.
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 to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. 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

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX ] ran an unauthorized credit inquiry on me on [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I asked for an examination of the challenged account, which the 3 Credit Bureaus said was verified, in writing on XX/XX/2022. I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about this specific account in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. 

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

I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX
Complaint sub-issue: Was not notified of investigation status or results

I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.
Complaint sub-issue: Information belongs to someone else

On XX/XX/20 a company with the name of CREDIT PLUS has made a hard inquiry on my credit report/file. 

I do not know who this company is nor have I authorized them particularly to make an inquiry nor have I applied for any credit regarding this firm.
Complaint sub-issue: Debt is not yours

The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor Bureaus Investment Group Portfolio NO 15 LLC for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that Bureaus Investment Group has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted Macys to make a payment in XX/XX/XXXX and was forwarded to an XXXX system where I provided my bank routing and account number. I believed the payment was complete after entering in all of my information. The purchase I made was after the billing cycle in XXXX and would have been on XXXX statement. I did not receive a statement in XXXX. I called Macys again and received notification that they had no record of my payment and I was assessed another late charge in XXXX. I went in to the store in XX/XX/XXXX to make a payment of {$80.00} because I lost faith in their telephone payment system. I called on XX/XX/XXXX to confirm the status of the account. I had learned that I was charged another late fee and the balance was now {$110.00}. They processed a name change to my married name, confirmed my email address and physical address. I never received a statement until XXXX. I went in store on XX/XX/XXXX and paid the balance off of {$110.00}. I noticed the late payment was reported to my credit report. I called today and spoke to a credit specialist to dispute this derogatory remark and was told that I didnt have sufficient reason to file a dispute. The agent explained that I received email statement to an incorrect email address that I do not have access to even though I have called to correct my email in the past and requested paper statements. I am unable to confirm valid billing cycles and payment due dates to determine the late fees, and credit reporting. I was transferred to the second supervisor and the Call went silent for several minutes. They did not drop the call but never responded to me asking if they were still there. I hung up after a few minutes of silence. 

XXXX Balance {$76.00} XXXX Late Fee assessed {$29.00} Balance {$100.00} XXXX Late Fee assessed {$40.00} Balance {$140.00} XXXX made an In-Store payment {$80.00} XXXX Late Fee assessed {$40.00} Balance {$110.00} XXXX I made an In-Store payment {$110.00} XXXX Balance of {$1.00} XXXX Balance of {$1.00} XXXX I made and In-Store payment {$2.00} Call History XX/XX/XXXX XX/XX/XXXX XXXX to report a spam caller claiming to be Macys ( XXXX ) XXXX calling to accept late payment XXXX Called to request to dispute the derogatory remark on my credit and was transferred to a credit specialist. The first AgenXXXX XXXX confirmed all of the information above and told me that City Bank was who they used for Collection Agency. XXXX was the Credit Specialist who had access to the Credit bureau and refused to file the dispute claiming I did not have a valid reason. She said she refunded one fee but was unable to remove the derogatory remark. She then transferred to another supervisor who stated that they are unable to change my email address and then went silent. Very unprofessional. The number I called was XXXX and was on hold for XXXX min before the first agent came on the line. Total call time was over 2 hours.
Complaint sub-issue: Information belongs to someone else

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX**** , DPT ED/XXXX XXXX**** , XXXX XXXX XXXX XXXX**** ,  XXXX XXXX XXXX XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  (Original Creditor: ) XXXX****, XXXX XXXX****, CXXXX XXXX**** , XXXX XXXX****, XXXX XXXX XXXX****
Complaint sub-issue: Attempted to/Collected exempt funds

I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.
Complaint sub-issue: Company closed your account

XXXX Last month Citibank cancelled my credit card ending in XXXX without notice, giving lack of use as the reason. I have had this card for XXXX years, and have possessed my still active citi/Costco card for five years. 

I know they are legally able to do this, but I consider it to be very arrogant, disrespectful and counterproductive. I sent an email to this effect to Citibank XXXX XXXX XXXX ( below ) and received a dismissive reply from Your Citi Executive Response Team. ( attached ) I understand that many other customers have had a similar experience. 

I do not plan any further contact with Citibank about this issue, but I do plan to fulfill my promise to them to take every opportunity to tell others of my experiences with Citibank Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX >>>>> EMAIL TO CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Citibank , N.A . 

Dear XXXX XXXX, I am writing to inform you of Citibanks unwarranted action against me in cancelling without notice my credit card ending in XXXX. 

I understand it is Citibanks right to do this under the existing contract terms. However, it is very rude and disrespectful to do so to a long standing customer without any notice whatsoever and without a compelling reason. The representative I spoke with claimed Citibank sent me a letter warning that my card would be cancelled if I did not use it. I told him, and I can assure you, that I never received such a letter, nor did I receive any such text or email from Citibank. The first I knew of this action was an email Citibank sent me on XX/XX/XXXX informing me that my card had already been cancelled. 

The Citibank representative asked for my annual income in order to apply to have the card reinstated, presumably. I told him, but there is little chance my application was given serious consideration. Despite my having excellent credit, this application was denied. 

As of last week, my credit utilization rate was about 15 % ( now excluding my cancelled citibank credit card ending in XXXX ), whereas less than 30 % is considered good. 

Our annual income is {$140000.00}. Our net worth is over {$3.00} XXXX, of which over 40 % consists of liquid financial assets. Our only debts which are not paid off every month are a credit card balance of {$14000.00} and a HELOC of {$100000.00}. We paid off our mortgage in early XXXX. 

I am very responsive to promotions and incentives offered by other credit card companies to induce me to use their cards. It is strange and counterproductive that Citibank did not take this approach. 

Citibanks behavior toward me is egregious and demands an apology and admission of wrongdoing. Barring this, I can promise that in the future I will take every opportunity to tell others of my experiences with Citibank. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ***** From Citibanks Mission statement : If we fall short, we will take decisive action and learn from our experience. 
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