Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiries reflecting on my credit file, some even showing two/three times a day apart. I was advised to contact the companies and advised them to remove the inquiry ; however, when contacting the companies they did n't see the inquiries on their end nor did they have acct information on me. When calling Equifax back the rep informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. 

Unauthorized hard inquiries XXXX XXXX - inquiry date XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I have been a victim of fraud in the past with online attempts of applying for a credit card. I 've filed a police report in XXXX and even assure the fraud alert in on my credit report. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt was result of identity theft

Ive never went to c why my credit is never approved and finally discovered so many loans -online loans and such even retail purchases ive never even head of. 
Ive had my bank accounts broken in to even from out of state but never knew that there were collections.. Iv3 never recieved any of these loans shown. My adresses have only changed once 1 and ive only had 3 main adr3sses my address in XXXX change to my current physical n XXXX, nm but the permanents are XXXX, az and XXXX, nm postal im currently adsing the postal in XXXX  but havent done so ... Idk who but this is unfair to me and my wife as we thought we could purchase a vehicle i have one that was repoed n the past but since have not trued id like some kind of closure with these listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$880.00} Date Updated : XX/XX/XXXX Original Amount : {$880.00} Original Creditor : XXXX   XXXX XXXX NM ( Financial ) Past Due : > $ XXXX before the due date. 
XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$1500.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$110.00} per month, paid Weekly for 28 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$960.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$80.00} per month, paid Monthly for 12 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$750.00}
Complaint sub-issue: Company closed your account

Citi bank claims I rejected thier rates skyrocketing in XXXX so they decided to close my account with out my authorization and stop my purchases during XXXX and XXXX XXXX  for no reason because I asked them to give me a reprensentative in th united state instead of a untrained XXXX agent on my telephone line that could not answer of why account was skyrocketing .This is a sabatoge of my account that i had since 2009 and racial profiling of my account due to my XXXX american diversity. FOR THEM TO LYE ON THIS PHONE XXXX TIMES AS THE REAL CAUSE OF THIS CASE COMES AS PLAIN AS SIMPLE MY DIVERSITY AS ALSO WITH THE COMMAND FOR CITI TO PUT MY ACCOUNT BACK LIKE I HAD SINCE 2009! THIS IS FULL RACIAL EVENT ON THIS CASE AS I CALLED THEM TODAY AS I AM WRITING TO CORRECT A WRONG WITH CITI ASSOCIATES CANCELLING MY ACCOUNT ON PURE A RACIAL DISCRIMINATION EVENT! my account should not been cancelled for defending my right to ask why was citi raising thier rates so high with the same credit card i had for since 2009 and could not give me a answer! I balieve the true issue was my race and the hard to answers the questions i had for thedm on line with XXXX different customer service agents that really could not answer!
Complaint sub-issue: Account status incorrect

I disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with law enforcement XX/XX/2020. I submitted a police report to equifax and XXXX. These credit reporting companies are inaccurately reporting a XXXX XXXX account.
Complaint sub-issue: Debt was paid

I paid in full and received it in writing however afni still acquired the account way after settlement and it 's showing on my credit report. Afni should not be reflected anywhere on my report because it was paid in full to XXXX
Complaint sub-issue: Information belongs to someone else

Through all of this, it has been a struggle, so I am making this CFPB complaint to ask the credit reporting agencies to totally remove the disputed fraudulent accounts and information from my credit file. How often must I inform the credit bureaus that I was a victim of identity theft and that the accounts I am disputing were the outcome of this crime? I have been requesting from the credit bureaus the removal of the disputed items in order to repair my credit file and the sending of copies of the verification documents in the event that the credit bureaus assert that the disputed items are mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting companies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Complaint sub-issue: Privacy issues

I have 3 Citi credit cards : Citi Doublecash ( member since XXXX ), Citi Diamond Preferred ( member since XXXX ) and Citi Rewards ( member since XXXX ). 
This past XX/XX/XXXX, I was emailed a letter which I did not really pay attention to regarding my balances for Citi Double Cash and Citi Rewards. I have always been a great standing member and just recently Citi began providing my credit score to me as well. I have always received special offers and credit increases in the years i have been a member. In the past almost 2 years, I have purchased a home and a car ( major purchases ) affecting my credit which has taken a dip but mainly due to inquiries and adjusting for these purchases. Never has this affected my ability to pay my bills and I kept my balance at about 25 % of my total credit limit so well within my utilization. In XX/XX/XXXX, Citi reduced my credit limit with no reason except for my XXXX XXXX from {$7500.00} to {$1700.00} on my Doublecash Card ( balance : {$1700.00} ) and from {$6500.00} to {$2500.00} on my Reward card ( balance : {$1800.00} ). I called multiple times, spending about an hour plus on a phone call each time. On my final attempt, I was finally able to reach a supervisor. Each time I called, I would get hung up on while the transfer was occurring and this would happen after spending at least 45 minutes ( min ) on a call- very frustrating. No one would ever state a reason to me before reaching a supervisor and told me repeatedly, they could not understand why this had occurred. Finally, about 2 weeks ago, I was able to reach a supervisor, and they told me it was because of my credit score. Citi, upon its own random doing, took it upon itself to reduce my credit by thousands of dollar, for no real reason, damaging my credit score even further. Can you imagine if every credit company decided to do this to it's customers with no good reason? How damaging this is to the credit I've established? I want NOTHING more to do with Citi- they are discriminating. What exactly is their criteria for randomly making these so called " credit checks '' - I'd like to know. I consider this complete discrimination on the company 's part and how reckless of them to hurt their consumer 's credit instead of assuring they help. This is very damaging and I NEVER want to do business with them again.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Billing dispute for services

I totaled my previous car on XX/XX/2020. XXXX insurance issued a check for XXXX and my damages were only XXXX. Whoever my salesman was when I getting into my new lease ASSURED me I wouldnt have anymore debt especially since insurance paid for more. That was how I was able to get a low rate/low down payment was because of assurance that insurance would cover damages and lower everything for me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
1

5 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 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 ) X1 ) 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: Credit inquiries on your report that you don't recognize

I have alot of credit inquiries on my account that i did not apply for and i put a 90 day fraud alert on the 3 credit bureaus. I recently noticed a XXXX  and im not applyiny for nothing.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I XXXX XXXX noticed a new debt collector ( I C System inc ) on my XXXX credit report for {$540.00}. I immediately contacted the original creditor ( XXXX ) to inform them that I have been XXXX  since the beginning of XXXX and was released on XX/XX/XXXX. I have no knowledge of this credit nor did I approve a credit with XXXX
Complaint sub-issue: Not given enough info to verify debt

I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through USA Lending ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my LendingUSA account. All was then good with XXXX. $ XXXX-XXXX= a {$1400.00} loan amount. 

Lending USA had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. LendingUSA just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with LendingUSA, they charged off the account and sold it to another lender, XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.
Complaint sub-issue: Information belongs to someone else

I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITI XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, CITICARDS XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} 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.

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I opened an account with CITI in late XXXX to use as debt consolidation because of a XXXX no interest promo. I balance transferred a card into the CITI card and made a few purchases early XXXX, set up auto pay, and left it. I was severely injured and spent the better part of the last few years in and out of the hospital and recovering from surgeries. In XXXX I noticed I had a cash advance interest fee on my account, I contacted and tried to resolve, got nowhere. They passed me around to different people, nobody could tell me what it was from, they just said they will send me my statements ( there was nothing on my digital statements ). I was moving and having major XXXX again, so I left it on the back burner. I am now trying to piece my life back together and get out of debt, and once again they can not tell me what the 30 % fee is from, they insist I used an atm to take money out. I am 10000 % sure I did not and have never done so in my entire life. I requested statements again, and never received them, they are unwilling to investigate this further because it's an older charge, my payments are getting consumed by interest, so my balance isn't decreasing, and the remedy I was offered was to pay off entire balance to get the adv fee removed. I can not afford the hit on my credit, so I am being forced to pay this charge and 4 years of interest fees for a cash advance i never took out, they cant even tell me anything regarding the transaction or if it was an error. This is absolutely ludicrous, and I will never in my entire life deal with CITI again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. Credit bureaus stated my account investigation was completed, however that is incorrect due to open dates inaccurate, last date active is inaccurate, information on accounts is generally not being monitored correctly and inaccurate which makes this grounds for removal. My rights have also been violated under U.S.C stated below : 15 U.S.C. 1681 Section 602 A ( States I have the right to privacy ) 15 U.S.C. 1681 Section 602 A Section 2 ( States a consumer reporting agency can not furnish an account without my written instructions )
Complaint sub-issue: Information belongs to someone else

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, XXXX, and Equifax to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Complaint sub-issue: Reporting company used your report improperly

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine AXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXDate of inquiry : XX/XX/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 a account without my written instructions Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was paid

I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied