Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

The last XXXX of the card is XXXX. The last XXXX of the new card is XXXX. 

Citi is still charging me {$230.00} for a charge I disputed on XX/XX/XXXX. I called and their representative told me that I wont get a credit until the investigation is complete which is not in compliance with federal law. Im supposed to receive a temporary credit while its being investigated. 

The representative also gave me a non-existent phone number to call to escalate the issue to. The number she gave me was XXXX which is not a valid phone number. 

I would like an immediate permanent credit as citi violated federal law by not providing a credit while a fraudulent charge was being disputed.
Complaint sub-issue: Reporting company used your report improperly

Due to the recent publicized Equifax Inc. hack of 145 million Americans extremely private data and me being impacted by this  leak, according to their own website, I am making this complaint. I literally have lost ALL of my private identity information to who knows where. My date of birth, social security number, banking info, address and all information stored by Equifax is now lost forever from any sort of privacy. I have put fraud alerts on my reports but this information will be forever able to be used by identity thieves.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Complaint sub-issue: Information is not mine

I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Their investigation did not fix an error on your report

I FAXED OVER MY FTC REPORT SEVERAL TIMES AND EQUIFAX STILL CLAIMS IT NEVER RECEIVED IT. THEY MESSED UP AND HAD 2 CREDIT PROFILES ON ME AND STATED THAT IT HAPPENS SOMETIMES!!!! I AM A VICTIM OF FRAUD AND I WANT THIS REMOVED FROM MY ACCOUNT!!!!!  ONCE AGAIN I AM SUBMITTING EVERYTHING, BUT THIS TIME I HAVE PROOF THAT IT WILL BE SENT.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft Affidavit Please delete the items as soon as possible.
Complaint sub-issue: Debt is not yours

on XX/XX/2022 a company called ERC reached out to me about a debt from XXXX XXXX. They told me I owed a debt from 3 years ago, which confused me because I am still an active XXXX customer. I called XXXX, they said the debt was for old equipment which I didn't give them back after moving, I called back ERC and paid the debt. 

My wife then told me she paid for setup and the tech took the equipment. XXXX has since verified it does in fact have our equipment. They " accidentally '' sent me to collections because they never even checked their own systems at any point over 3 years for my equipment. XXXX is now refunding what I paid ERC but is being extremely difficult and told me it may only refund me in prepaid gift cards. However my credit score dropped XXXX points on XX/XX/2022 over a false debt which XXXX should have caught much earlier.
Complaint sub-issue: Old information reappears or never goes away

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXXXXXX : 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have call XXXX, XXXX  and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Complaint sub-issue: Public record information inaccurate

I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, XXXX surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, Equifax continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. Equifax, XXXX, and XXXX  needs to remove these items my scores are supposed to XXXX in the 700s.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than XXXX hard inquiries on my credit report throughout XXXX, equifax XXXX XXXX.These are the hard inquiries that were added on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by XXXX XXXX regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.
Complaint sub-issue: Reinserted previously deleted info

On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my Equifax and XXXX are incorrect and needs to reflect the same as my XXXX credit report.
Complaint sub-issue: Information belongs to someone else

I got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later I have not received a response. I feel like my disputes and I are being taken advantage of and ignored. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

I filed a dispute on equifax on XX/XX/XXXX and the results came back on XX/XX/XXXX. The account i disputed was supposed to be deleted and is still showing on my credit report. I called equifax to find out why and they told me the " lender won't let them delete it '' after they investigated and came back with the results to delete.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Complaint sub-issue: Their investigation did not fix an error on your report

Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,
Complaint sub-issue: Need information about your loan balance or loan terms

I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. 

Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.
Complaint sub-issue: Information belongs to someone else

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX Alliance One contacted me, by mail without my permission. In the contents of the mail was a letter stating This is an attempt to collect a debt, and any information obtained will be used for that purpose. Which is a Violation of my consumer rights under 15 USC 1692e ( 2 ) ( a ).

Within the same letter, were 12 other violations of my rights as a consumer under 15 USC 1692 which have been labeled and attached as proof. 

On XX/XX/XXXX I sent Alliance One a Cease and Desist, Affidavit Of Truth, an Exhibit with all violations labeled, and a Invoice. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the Original Creditor.
Complaint sub-issue: Public record information inaccurate

Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

I contacted US Bank today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. US Bank has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that US Bank has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from US Bank stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and US Bank is dragging its feet to provide that letter to the lender. I want US Bank to fix this ASAP. Thank you for looking into this.
Complaint sub-issue: Account status incorrect

It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Please delete the item as soon as possible. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX and equifax are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had some false information on my credit report and had submitted it on XX/XX/2021 and a follow back letter was sent XX/XX/XXXX and I still haven't received a response for why these inquires are on my credit report and according to the CFPB a credit consumer agency has 45 days to investigate or all of the negative and false items must be removed from the credit report.