Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I am submitting a request to block information on my consumer report as I am a victim of identity theft. This was not a dispute, however the CRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ( a ) Block A consumer reporting agency shall block the reporting of 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 by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifing information was affected by the XXXX XXXX data breach as well as Equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE AND DO NOT PLACE A FRAUD ALERT UNLESS I SAY SO. The accounts that must be removed are : XXXXXXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXXXXXXOpened on XX/XX/XXXXXXXX XXXX XXXX XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have made several attempts to get my student loans rehabbed due to financial hardships. I initially obtained debt consolidation for my loans but due to being put on XXXX I defaulted when they would not accept a lower payment than XXXX I asked to get on a plan that would allow at least {$5.00} to rehab until circumstances changed & was unsuccessful. I sent letters & completed a deferment as well 3 times Nelnet/XXXX has not been cooperative at all! I can only pay what I can afford & not to mention being coaxed to attending XXXX XXXX XXXX stating it was more affordable than attending state school. I am requesting to get assistance with rehabbing the loan at this time & I am getting the run around. As a taxpayer this is just not right!
Complaint sub-issue: Account information incorrect

I have been having a really tough time with XXXX XXXX XXXX credit card. I had two accounts with them which went in to collections and eventually charged off. Upon checking my credit I have been trying to pay off all my debt. I contacted them XX/XX/2020 to try to pay what I owe them and they informed me that there collection agency is Jefferson Capital and I needed to contact them first to pay and then Jefferson capital would report the two payments to them and they would update the accounts on my credit report to a XXXX balance. I paid Jefferson Capital that same day settlejng the debt for less than total amount which satisfies the debt. Jefferson Capital then emailed me two letters stating both cards have been satisfied and now have a XXXX   balance and they would be letting XXXX know and they would update the credit. A few days passed and I noticed XXXX updates one of the accounts with the amount of the payment and still showed a remaining balance which is not what I was told would be done. I called XXXX yesterday and the rep told me they only show one payment being made and there was still a balance and that Jefferson capital hasnt notified them that what I paid settled the account. They never saw the second payment at all and they were made the same day. I called Jefferson capital back and after talking to a supervisor she informed me that XXXX sold them one of the accounts and that is why they only see one payment on there and that they were not obligated to report the other payment to them. She also said they already notified them the other debt was settled. This is all completely insane at this point. Im being given the runaround at every angle. I have settled both accounts which they are both reported on on my credit report by XXXX XXXX XXXX   but if Jefferson capital will not notify them property then the debt will continue to be reported on my credit from XXXX with. Balance when that information is incorrect. I called XXXX XXXX back several times and they were being very rude to me and one person even hung up in my face. This is very upsetting. These are the only negative marks in my credit and no one seems to be helping me. XXXX shouldnt even be reporting one of the accounts at all since it was sold and they should be deleted. At the very least the other account needs to be updated to XXXX   balance because the debt has been paid but they are not doing things properly and this is not right. After I paid both accounts they asked in that same phone call if I wanted to open new accounts with XXXX and after all this there is no way in XXXX that would happen.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft, I filed a police report back in XX/XX/2017. I sent each credit reporting agencies the documents to fix the issues of fraudulent accounts and inquiries. The reporting agency equifax has been giving me a hard time since XX/XX/XXXX of getting the information removed, I have sent them every document that was asked and still nothing has been done. I was told by them them that I can dispute the information a 100 times and it will still be the same result, I have been hung up on and spoken to very rudely, I have disputed the information more than 10 times. I would like to be treated like the victim and not the thief that stole my identity. This has went on long enough and has become a hassle in my life where I cant get anything due to what is being reported on my credit. I am just asking for the accounts and inquiries to be removed.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX XXXX XXXX  Balance {$79.00} XXXX  XXXX  XXXX XXXX XXXX XXXX  Balance {$530.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I paid {$17.00} for a certified letter to Equifax containing a signed and notarized letter regarding the fraudulent/invalid information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I received confirmation that Equifax received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Equifax is still on my credit report. There are fraudulent/invalid addresses and an inquiry which are not mine and did not give permission to anyone as well. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Equifax has 30 days to review and remove my ( consumer ) complaint. It has been 120 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I received my dispute results from Equifax stating the XXXX inquiries from XX/XX/2020 and XX/XX/2020 have been deleted from my credit report. 

However the inquiry from XX/XX/2020 is still reporting and was never removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I reported to XXXX XXXX and Equifax the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

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

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX Balance : {$0.00} DOE XXXX XXXX Balance : $ XXXXDOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I deposited XXXX XXXX  XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.
Complaint sub-issue: Was not notified of investigation status or results

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. Its been well over 30 days. I feel like I am being played with. I am extremely frustrated.
Complaint sub-issue: Other problem getting your report or credit score

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Complaint sub-issue: Debt was result of identity theft

ATTENTION TO PLUSFOUR INC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company PLUSFOUR INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire AN ACCOUNT. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Complaint sub-issue: Problem getting report or credit score

I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!
Complaint sub-issue: Debt was result of identity theft

Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
Complaint sub-issue: Problem getting a working replacement card

XX/XX/XXXX CARD WAS TO BE OPENED IN MY NAME AND SENT TO ME AS A PROMOTION FOR PAYING OFF A DEBT WITH JEFFERSON CAPITAL LLC. 

I PAID OFF THE DEBT IN RECORD TIME AND SINCE THIS TIME I HAVE NEVER ACTUALLY HELD THIS CARD IN MY NAME. 

THEY HAVE BEEN SENDING ME DEMAND FOR PAYMENTS FOR MONTHS YET THEY ARE NOT EVEN CORRECTLY OR INCORRECTLY REPORTING THIS CARD ON MY CREDIT REPORT. 

I HAVE FILED REPORT AFTER REPORT OF THIS ACCOUNT NEVER BEING IN MY POSSESSION AND THEY REFUSE TO HELP
Complaint sub-issue: Company closed your account

I initiated a wire transfer for down payment closing costs on my home at XXXX on XX/XX/29 with Discover Bank. I checked that this wire was for closing costs and I did not expect to have any more wire transfers in the future. I called to verbally authorize the transfer, confirmed that it was for a real estate closing, and was asked to upload my Drivers License and a bill or W2 to validate my address. I submitted those documents at XXXX, at XXXX I get an email from Discover that there was unusual activity in my account and they have frozen the account. I call Discover - was on the phone with them for 162 minutes, got hung up on twice from two different supervisors. They told me it was a " business decision '' to close my account, and they need to investigate the funds which will take 60 days. Then they will mail me a check IF they determine the funds are legitimate. I have banked with Discover for 5 years, never any issues. I have NO idea why my account was flagged, closed, and funds frozen. I was relying on those funds for my down payment, and now do not have access to them.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to adjust or remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. Please correct or delete these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still Equifax fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. Equifax continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue Equifax if they continue to report false info on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

Other information I would like changed US BANK Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Complaint sub-issue: Information belongs to someone else

I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Complaint sub-issue: Account status incorrect

MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU
Complaint sub-issue: Confusing or misleading advertising about the credit card

Ive applied for several credit cards that credit karma  said I was pre approved for but when I applied it said I didnt qualify. So I feel decieved
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 federal protected consumer rights to privacy and confidential under 15 USC 1681. 

Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a 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 noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Complaint sub-issue: Account information incorrect

On or about XX/XX/2019 XXXX and Equifax reported a XXXX , XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX  I disputed the account with XXXX  by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with XXXX  and Equifax on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX.  File No. XXXX/Equifax # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX  and Equifax to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX  debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that XXXX directed the account be removed from my file as well as faxing to XXXX a copy of XXXX 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, XXXX and Equifax are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.