Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Dear Attorney General, US Department of Justice, and Department of Education Just so you know what XXXX XXXX is doing to my account. 

I made a payment online on XX/XX/ in the amount of {$190.00} it was processed by chase on XX/XX/. 

On XX/XX/ fedloan placed my account in forbearance without my authorization stating the Department of Education notified them that I was in a disaster zone. I said which disaster and the rep said she didn't know. I do not live in a disaster zone. 

I told her to take me out of forbearance. I called back, to confirm it was done, then the automated service said I was 9 days late.. The payment once again I made was cleared by chase on XX/XX/XXXX. The forbearance letter is also dated the XX/XX/XXXXthe same day my payment was made. 

I was forced to make an additional payment of another {$190.00} in panic tonight XX/XX/ as the automated service said I was 9 days late even though the payment on my account said paid.. 
Now I have given XXXX XXXX {$400.00} this month and next month they increased my loan payment to {$190.00} what's going on????
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

The vehicle I purchased under duress of financial hardships that could result while not having transportation to support my family including my, at the time, 2 year old son and my lady also with child at the time of purchase. After driving the vehicle I noticed the check engine light on which again because of my situation was overlooked because of the situational hardship and the need to aquire a vehicle to continue being a provider. Upon further inspection of the vehicle after the somewhat calm I experienced after knowing I had a vehicle again after signing loan documentation things became worse. Being an at XXXX  XXXX, a XXXX XXXX XXXX manager for XXXX XXXX XXXX, having personal shop experience, and coming from a family background of car repair and enthusiast individuals, I dug deeper to find that the soundness of the vehicle with which so much was at stake as the vehicle was used in transporting my pregnant lady to and from appointments and young son was not good. After my initial evaluation that was discussed over the phone with Gateway Financial 's representatives it was concluded that there were multiple suspension issues including inner and outter the rod end that reached the end of there life span, bad CV axles, bent rims, check engine diagnostics ran representing codes explaining that the intake and exhaust valve actuators weren't performing correctly or bad as a result of timing advancing because of the wear of the timing chain or set resulting in its advancement and the final result of which I was unable to continue payments was the fuel pump quitting completely leaving my pregnant lady and son stranded 30 minutes from our home.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

The collection agency had been repeatedly harassing other people in an effort to contact me, even after being told by those people that the collection agency had the wrong number. Apparently, the messages to other people referenced a " judgement '' against me. 

In order to stop this harassment, I contacted the collection agency. The man I spoke to tried to portray himself as a neutral party and said he would be " advocating '' for both me and " the client. '' He then hinted that I had commited " theft of property '' amongst other crimes and that he wanted to offer me a chance to settle before he " sent it to the county. '' I interpreted this as a threat of criminal prosecution. 

I asked the man to verify the name of his company. He stated XXXX, XXXX. 

He then offered several payment options. When I requested that he send documentation of this payment offer, he refused. He then again implied I had commited crimes and would face action from " the county. '' The call ended shortly after.
Complaint sub-issue: Debt is not yours

I was recently notified about my social security number being on the dark web. As such i pulled my credit report from each bureau for review. I found a debt collection on my XXXX report ONLY from a company called Armada Corp for {$250.00}. 

I filed a dispute with XXXX and reached out to Armada. Armada could not give me any information about this debt without asking me to confirm personal information about myself or account. I stated repeatedly that i do not have an account with them. They seemed more interested in getting money from me than looking into my fraud dispute. 

I reached out to XXXX and they requested i send them a copy of my drivers license, social security card in the mail. When i mentioned not feeling comfortable putting those sensitive documents in the mail the agent applied pressure by reminding me that its affecting my credit report and it will take 7 years for the item to drop off my report.
Complaint sub-issue: Application denied

I dont agree with the decline reason they are proving me its inaccurate information Im a victim of identity Theft they refuse to process my application for my Costco Visa card telling me I have too many inquiries but experian has confirmed that their are none since Im a victim for identity theft they have been removed I tried explaining this to them but they still wont Approve what a bad experience and application process
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Complaint sub-issue: Inadequate help over the phone

There were XXXX incorrect payment histories on my Equifax report that I disputed. I received the disputed report and they all read reported correctly from the investigation ( I still dispute ). XXXX of these accounts were closed and paid in full back in XX/XX/XXXX and the other XXXX were closed and paid in full XX/XX/XXXX, thats 7 years for the first and almost 6 years for the other XXXX. I called Equifax and spoke to supervisor XXXX XXXX and he told me since I disputed these accounts ( I still dispute the accuracy ) that they will remain on my record for another 10 years ( XX/XX/XXXX ) that would be a combined total of 17 years. I told him that is against the Fair Credit Reporting Act and his response to me is that they can report as long as they want. This is not the law and is a total assault against me and my character. Please help me correct this over reaching company, as it is their responsibility to report the truth not make it up at their discretion. Thank You!!
Complaint sub-issue: Received bad information about your loan

Good morning, Thank you for taking the time to look into this issue that I have with my private student loan company Sallie Mae.

Enclosed you will find a letter that sent to them regarding the drastic drop of 75 points in my credit report due to a derogatory remark. In addition to the letter I also provided my bank statement showing the Sallie Mae withdrawals that had to be made in order for me to continue with the 1 ) No derogatory remark on my credit report and 2 ) Money to be put down so I can get into the deferment plan due to my job loss from Covid 19. As you can see this letter was sent to them on XX/XX/2020, and still have no response from them. 

Please help me get this matter resolved so I can get gradually get back on track. 

XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.
Complaint sub-issue: Information belongs to someone else

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Problem with personal statement of dispute

My identity was fraudulently used to apply for credit. XXXX details XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX & XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Hello, Equifax is reporting that a payment to XXXX XXXX XXXX XXXX was late for XXXX XXXX it was not. I have the information from the other XXXX bureaus to show it is not. Equifax must update my payment history and reflect this account was never late.
Complaint sub-issue: Account terms

For the past 3-4 months I have been denied credit from my credit union XXXX XXXX XXXX due to information on my Equifax report. As the representative and myself reviewed the information on my report, I found it to be inaccurate causing me to be denied without being extended credit. I notified Equifax Credit Bureau several times regarding this issue. I informed them that my XXXX account was missing off of my report and my XXXX account had no credit limit. With both of these creditors reporting inaccurately decreased my score about XXXX points. The XXXX card was appearing that it had a high credit utilization and my XXXX account which was never late was deleted from my account. After speaking with several representatives including a supervisor and later a representative from the upper management office, I was informed that my file is too large and no one would have access to receive a copy of my report for one year. He them explained that the file divided itself into XXXX files. I was later informed to have my credit union pull the report manually and call the business office to do so. I traveled back to XXXX XXXX to have them do as I was instructed to have XXXX XXXX pull My credit. XXXX XXXX XXXX XXXX then attempted to pull my credit and it was still inaccurate. XXXX them called Equifax again and was informed to wait and re- pull it which he did. During the end of month of XXXX the credit report was able to be accessed. I then attempted to try it again later and it was locked again not only to creditors but once again to myself and my monitoring agency ( XXXX ). As of today, my report still can not be viewed by creditors reflecting the accurate information because I was told on Monday XXXX XXXX, 2015 that it would be approximately a year before the issue would be solved and the file would be combined into XXXX file. I have medical issues and a daughter graduating from college and desperately need to get this issue resolved in order to be granted a loan. I am getting no results and/ or no clear understanding from Equifax XXXX this continue to occur and when it will be resolved.I need help with this company because they pretty much refuse to give me any information besides it will take a year to update my report to reflect accurate information. In following the instructions from Equifax, it has also caused several inquiries from the same company which is XXXX XXXX XXXX. I have at least XXXX inquiries from this company in about a month in a half period because Equifax was informing me that the issue was resolved and it was not. They also said that they ca n't do anything about the inquiries that was made from this company. I informed Equifax that credit was only pulled because you advised me that the issue was resolved. Furthermore, Equifax, on XXXX occasion spoke directly with the loan officer from XXXX informing him that he could pull the report again because the issue was resolved.I really need resolution because I am not getting anywhere with Equifax at this time- please help me. I have no problem with XXXX and XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have no memory of incurring this debt. Likewise, I never received any correspondence from the original creditor or debt collection agency stating that I owed the debt. Also, the debt was in two parts. I do not recall making one single debt with this company net alone two separate debts. I'm not saying the debt is not valid, but it does not appear valid because I never knew I had this debt until it showed up on my credit report without any prior notice. I have a XXXX credit score and I take pride in paying my debts and bills on time and in full. So if I had knowledge of this debt I would have never allowed it to go unpaid.
Complaint sub-issue: Reporting company used your report improperly

My complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.
Complaint sub-issue: Account status incorrect

Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Complaint sub-issue: Company closed your account

My employer 's payroll company required that my XXXX change from XXXX XXXX XXXX Optum Bank. I opened account and initiated a trustee to trustee transfer. Optum required identification verification. I missed the first email and then took too long getting info to them, they closed the account. Calls were made to find funds deposited into Optum account. XXXX deductions they received went back to XXXX XXXX and were included in my pay. Optum told me that transferred funds went back to account of origin. XXXX claims not to have received them. Optum claims not to have funds either. Last verified record of the money was check # XXXX for {$1600.00} from XXXX  to Optum sent XX/XX/2022. XXXX  sees that check was cashed on XX/XX/2022. The Optum account was closed on XX/XX/2022. No one admits to having record of that money since. I have made many phone calls over the last 7 months trying to find my savings and transfer it to my new, self-administered XXXX  with XXXX. I have hospital bills due and have not been able to access the money I saved. Please help! 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

There were multiple hard inquiries on my credit report, one from XXXX XXXX XXXX, where I confirmed that a loan was taken out under my name ( I have never once transacted with or been inside of a XXXX ), and this was through my XXXX credit report. Through Equifax, there was another hard inquiry through XXXX XXXX but upon follow up with XXXX, there was no accounts or loans taken under my name. There was also phone numbers on my credit report that didn't belong to me. My actual phone number is XXXX, so any other numbers are fraudulent. The address given on one of the attached documents contains an address in XXXX XXXX, on XXXX XXXX XXXX, which also does not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am behind on payments and I have an arrangement w the office to pay on XX/XX/23. 
I have had this arrangement since XXXX. I don't break sets. They call everyday anyway. I block the calls, calling me isn't going to get it paid faster. Sometimes they call two or three times a day. Seems kind 've XXXX to me. 

So yesterday they made an inquiry on XXXX. I guess to generate a call from me. I already have a set. So my score went down 10 points on that bureau. I do not appreciate it.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Conns is reporting this high debt thats not owe please remove this debt this is definitely identity theft
Complaint sub-issue: Was not notified of investigation status or results

The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.
Complaint sub-issue: Account status incorrect

Accounts XXXX XXXX  XXXX, XXXX  XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Complaint sub-issue: Their investigation did not fix an error on your report

I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. XXXX accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!
Complaint sub-issue: Was not notified of investigation status or results

I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
Complaint sub-issue: Account status incorrect

Ally financial incorrectly has marked my account as being late on my credit report!! I called ally in XXXX fir an extension before my account was passed due I spoke to a rep a gentleman I was explained that I would need to to get approval before I can get an extension and that I would receive a call within XXXX business days I explained that my account was almost passed due I never got a call they marked on my credit as missed payment this is not right I then try to solve the issue with ally but was told they were unable to pull the call up fir investigation because it was to far back I said thats not right and that I would be making a complaint!! I take full responsibility on 1 missed payment but they need to remove this one fir lying to me and never calling me back I feel cheated I am no longer with ally for there lying and false reporting on my credit report!!