Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed
Complaint sub-issue: Didn't receive terms that were advertised

I opened Citibank Checking and Savings account because of a {$400.00} new-customer signup bonus. 

Citibank Account Package {$400.00} Checking and Savings Offer Promo ID : XXXX On XX/XX/XXXX I got an email stating that unfortunately I did not meet the requirements for the bonus, but it did not say why. Over the next two weeks I tried contacting Citi Support and they kept opening new cases that would be resolved by simply saying " requirements were not met '' but never gave me the official reason why. Finally I got to talking to a supervisor, who informed me that the funds were not deposited within 30 days. If that was the case, they should have told me right after the 30 days, not waiting for 60 more days holding my money for nothing. 

Apparently I opened the account on XX/XX/2018, but because the online system to log into my new account was so hard to use, I could not actually access my account to transfer funds online until XX/XX/XXXX, over a month later. I tried multiple times with customer support and it was very unhelpful. Eventually I found the right button buried in the website to link my ID with my old ID ( I had a Citi Online ID from my credit card ). Eventually I got into the account and immediately transferred the {$15000.00} needed to meet the requirements for the bonus {$400.00}. This took 3 days so the funds entered the account on XX/XX/2018. 

The terms of the offer state that the funds must be into the account by 30 days after the account opening, but I was not able to access my account until XX/XX/XXXX, and as soon as I did I deposited the funds. 

This citi checking bonus offer is not worth the time and the customer service seems purposefully confusing and on multiple occasions made me wait several days before problems were resolved or returned to me unresolved. The terms of the offer are very confusing and it was easy to miss the exact details, some of which are still unclear to me.
Complaint sub-issue: Information belongs to someone else

I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX XXXX. and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. XXXX of the incident numbers is XXXX. There have been over {$16000.00} in charges by SeeSawUSA.com on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Complaint sub-issue: Reporting company used your report improperly

Upon checking my report I encountered a few mistakes on the report. 
These are accounts in question : XXXX XXXX Account type : XXXX  XXXX XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} In accordance with the Fair Credit Reporting Act XXXX  Accounts number XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 Section 602A. states that I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act MOHELA/ DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

I was affected by Equifax 's data breach. Equifax said the breach happened between mid-XX/XX/XXXX and XX/XX/XXXX. It discovered the hack on XX/XX/XXXX. However, Equifax only informed the public on XX/XX/XXXX. The  reporting agency has not only been irresponsible with my data, but also duplicitous ; they have know about this breach for over a month and ( to add insult to injury ) attempted to trick me into waiving my rights to sue them through their coercive " opt-in '' process when I went to check if I was affected by the breach. 

I am saving to buy a house, and have spent the last decade rebuilding my credit score. This mishandling of the breach is completely unwarranted and is wrong on the most fundamental level. By waiting over a month to announce the breach, they have robbed me of precious time to proactively set up a credit freeze. I can only imagine the horrors that will come from this breach in the future.
Complaint sub-issue: Problem with personal statement of dispute

Notice, am XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX. 

This written request is in response to consumer reporting agencies ( i.e XXXX, XXXX or Equifax ) decision to decline to block the information I have identified as identity theft. I have the right to believe and do so believe that the consumer reporting agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be conspiring against my rights according to 18 USC 241. 

I have yet to receive any notarized affidavit from a consumer reporting agency or Senior Executive of the company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ) stating that I received goods, services or money under penalty of perjury and provide lawful proof. 

I am challenging the accuracy and integrity of the consumer reporting agencies and each company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ). I have attached documents of my consumer report which include many inaccuracies. 

XXXX XXXX XXXX XXXX : The date opened, balance, number of months ( terms ), past due, and payment status are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX : The monthly payment, date opened, balance, number of months ( terms ), last reported, date last active, and date of last payment are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX as a furnisher must substantiate the alleged account with records at the time it was furnished. These companies must minimize the likelihood that information may be reflected inaccurately on my consumer report. 

Each consumer reporting agency prepares my consumer report and must follow reasonable procedures to assure maximum possible accuracy of the aforementioned information concerning my consumer report. These procedures include, but are not limited to, the investigative reports that I have yet to receive. 

In order to comply with federal law, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX must provide full disclosures ( i.e any actual records of accounting ), a signed invoice, proof of equal consideration, and a true copy of the contract with my blue wet ink signature and XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX wet ink signature. 

In the event XXXX XXXX XXXX XXXX or XXXX XXXX XXXX fail to provide said documentation, I demand that all alleged accounts from either company be properly recorded and officially acknowledged within their records and any other agencies as non-existent, including but not limited to, all debt collection and/or consumer reporting agencies. 


Signed, Without Recourse. XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to equifax.com about unauthorized credit inquires listed on my equifax.com credit file. They never investigated them. I submitted documentation and they never investigated them. I have a right under the fair credit act to have them investigated by each company. I sent the letters for them as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted Equifax they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX CHILD SUPPORT ENFORE XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$190.00} Equifax : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ATTORNEY XXXX XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$340.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$57.00}, XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX XXXX Balance {$4400.00}, XXXX XXXX XXXX Balance {$700.00}, XXXX XXXX XXXX Balance {$1900.00}, XXXX XXXX XXXX Balance {$190.00}, XXXX XXXX XXXX  Balance {$1300.00XXXX XXXX XXXX XXXX  Balance {$1900.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!
Complaint sub-issue: Investigation took more than 30 days

ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX DataX XXXX  XXXX XXXX  TrustID All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX EQUIFAX, & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX  also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXEQUIFAXXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXEquifax/XXXX   transefered to another lender there is only one lender.
Complaint sub-issue: Their investigation did not fix an error on your report

Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
Complaint sub-issue: Trouble with how payments are handled

My loan is with Nelnet and XXXX owns the note. I make my payments to Nelnet. I have been paying the loans for over 20 years since graduating from college in XXXX. I did have a couple deferrals and struggled to make timely payments when our daughter was XXXX and the high medical expenses we incurred XXXX. Over the last 10 years have made consistent payments and nothing is going to principle but all interest. My original amount principle amount was {$39.00}, XXXX and my current balance is {$63000.00}. My current Nelnet statement shows : Total principle paid through XXXX/XXXX/XXXX ; {$26000.00}, total interest paid through XXXX/XXXX/XXXX ; {$25000.00}, Total amount paid through XXXX/XXXX/XXXX ; {$52000.00}. This does not add up and I continuously ask for assistance in researching my loan and why my statements continue to show " XXXX '' to principle and my entire payment of over {$600.00} goes to interest only. I am frustrated and want to make due on my student loans and feel I have with the amounts I have paid. I am being taking advantage by this unlawful practice. Can you please help me investigate so I can get some resolution on how this is possible or legal to do to any consumer?
Complaint sub-issue: Account status incorrect

XX/XX/XXXX I was diagnosed with XXXX  for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX XXXX.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , IN XXXX XXXX XXXX  XXXX XXXX, XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX CT , XXXX XXXX , IN XXXX
Complaint sub-issue: Sued w/o proper notification of suit

My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.
Complaint sub-issue: Old information reappears or never goes away

My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.
Complaint sub-issue: Information belongs to someone else

Equifax is incorrectly reporting my credit history. My equifax credit report shows someone else in my credit history.
Complaint sub-issue: Other problem getting your report or credit score

Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through Credit Karma, XXXX, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?
Complaint sub-issue: Problem during payment process

I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online the week pf  XXXX   XXXX  to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of Discover and told to contact them at  XXXX , but also told they were closed at   XXXX   cst ( it was  XXXX  cst when I first called Discover  ) . Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  Discover  rep and they were n't aware of the cos or if the management of my account has been transferred from  Discover  to  XXXX .     I submitted a complaint to the CFPB ( complaint #  XXXX  ) and requested a cease and desist all calls to me or to my father by  XXXX   XXXX  or any authorized agent of  Discover  UNTIL I get a satisfactory resolution as to the following :  1  ) status of account ;  2  ) access to my account online ;  3  ) explanation why my account was charged off when I had set up an agreed upon payment plan online as requested numerous times by Discover.     I received a response from  XXXX , but never from  Discover  Card. Today  XXXX   XXXX ,   XXXX  , I received in the mail a notice from   XXXX   XXXX   XXXX   that they are representing Discover Card and indicated in that letter that I had requested no further communication from  Discover  Card. As indicated in my complaint  XXXX , I requested no communication until  3  resolutions were satisfied. Obviously,  Discover Card  misinterpreted my instructions.
Complaint sub-issue: Debt is not yours

Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.
Complaint sub-issue: Information is incorrect

sent Checkr company on XX/XX/2018 A request to update there records and send me a copy with in 30 days. They have not provided me with an updated consumer report that accurately reflects the changes per the court document sent. Its been over 30 days.
Complaint sub-issue: Account status incorrect

I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX