Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Equifax has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Equifax. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX Payments reporting late when this account was never paid late
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX, I received an email stating my Equifax Report decline 14 points. I contacted Equifax and inquire why my report decline. I received one of the representatives from the XXXX, who stated there are several reasons a score would drop and she or no one else will be able to inform me why. 
Today XX/XX/XXXX I pulled my credit report from Equifax and notice my credit score decrease 17 points. I contacted Equifax and got informed again there were several reasons my credit could decrease and no one could tell me the real reason. 
I informed Equifax I have not applied for credit nor had anything new added to my report. Im requesting assistance from CFPB in reference to why my Credit Report Score decrease on XX/XX/XXXX points and XX/XX/XXXX points XXXX. I pay for a Credit Monitoring Service through Equifax as well as a couple other Monitoring Services. I asked the monitoring services why my score decreased for Equifax. They could not inform me but did state, I need to contact CFPB for more information. 
Sir/madam, I have not applied for any credit and nothing been added to my report. Please assist me why Equifax keep lowering my score.
Complaint sub-issue: Problem with statement of dispute

I have tried to dispute several items in my report but Equifax tells me that the information that I give them is incorrect and I ca n't proceed with the dispute. I have previoulsy disputed XXXX other item which they accepted ( but have n't finished their investigation ), and used the same informaton that I used for the accepted dispute. Additionally, they dropped my credit score XXXX POINTS without giving me a reason. Nothing had changed on my report for the last three years. XXXX XXXX has the same information and their score is XXXX points higher!!! Could it be that Equifax is making me pay for the dispute I put in and they accepted????
Complaint sub-issue: Can't get flexible payment options

I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have spent the last five months trying to dispute a charge on a Macy 's credit card that I closed. Macys claims that I have a credit card balance of {$660.00}, which includes interest and late fees. These charges are fraudulent because I paid for the items upon which the charges are based in-store on XX/XX/2019. Despite the fact that I provided Macys proof of payment for these items, Macys refused to clear the credit charges, initiated harassing collection activities, and submitted derogatory reports to the three credit reporting agencies. 

I have been trying to resolve this matter with Macys since XX/XX/2019. Macys call records reflects hours upon hours of discussions where I try to explain to Macys representatives that I paid for the items charged to the credit account. Most recently. on XXXX XXXX, I spent over four hours speaking on the phone with various agents at Macys to settle this matter. The agents confirmed that their records show that I purchased XXXX and flatware from Macys in XXXX, Nevada on XX/XX/2019. On XX/XX/2019, I paid for these items directly at the Macys store at the XXXX XXXX XXXX in XXXX XXXX, Nevada. At that time, the Macys cashier effectuated the transaction by returning the items and initiating a new in-store purchase. Macys ' collections agents confirmed to me that the account statements reflect the return of the disputed items on XX/XX/XXXX, but Macys did not credit my account so the purchase amounts remain outstanding. I provided Macys with proof of my in-store payment on XX/XX/XXXX but Macys has not resolved the charges. The account is now closed but it remains in collection status and my credit score has been adversely impacted. There are miles of notations on this account and Macys records contain the information necessary to verify the disposition of the amounts in controversy. Despite all this, Macys refuses to resolve the charges and it has caused me real harm. 

To put this in the proper context, my mother died on XX/XX/2019. I am trying to refinance her house in order to keep the property within my family. I have been advised that the derogatory report submitted by Macys with respect this account has significantly reduced my credit score and created an impediment to the refinance. To reiterate, the items in dispute have been fully paid. The outstanding charges on the account are entirely fraudulent and a product of Macys ' ineptitude and lack of internal controls. Macys itself has all of the information necessary to verify the disposition of the charges, but it continuously fails to do so thereby causing harm to me. I should not have to suffer for Macys ' inability to reconcile charges in its in-store credit card system. Their controls were entirely inadequate to prevent harassment and harm to me even though I paid for their merchandise in a timely manner and in good faith. Moreover, Macys failure to resolve the billing dispute despite my numerous repeated efforts to provide explanations and information simply reflect the company 's bad faith and fraudulent and abusive practices.
Complaint sub-issue: Problem with paying off the loan

I went to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  in late XX/XX/XXXX and traded in a XXXX XXXX XXXX which was financed by Ally Auto Financing. All paperwork was signed and I thought everything was fine. I got a call on the last week of XX/XX/XXXX by the finance manager at the dealership telling me they screwed up the paperwork and I needed to come re-sign. I did this and then realized because of their paperwork screw up, they had not released the payoff amount for the XXXX truck to Ally Auto. When I check my credit report on XX/XX/XXXX, the installment loan through Ally had been reported 30 days past due because they did not receive the payoff in XXXX. 
I notified the dealership and finance manager. The finance manager said he would check into it. He never returned my call and was always " out of the office '' when I called back. 

After this happened, my credit score dropped over XXXX points. And it is still negatively affecting my credit rating.
Complaint sub-issue: Overdrafts and overdraft fees

I received a {$36.00} overdraft fee for items posted on XX/XX/2018. I knew that my balance was low, and checked my online banking repeatedly to make sure I was not below the threshold which cause an overdraft fee ( which is negative {$5.00} ). At no point that day did my account show that I was that low. 

Today, I have a {$36.00} overdraft fee. And, in reviewing the account, all the charges appear accurate. My issue is, all of those charges were not showing yesterday. So my account did not reflect a low enough balance to trigger a fee in real time. 

My contention is that the bank should either show the transactions in real time. Or, if the transaction does not show on a date in real-time, it should not post on that date. When a debit appears one day retroactive, it gives the customer incorrect information and literally no time to make a correction. 

I don't have a screenshot from yesterday to reflect how the account appeared at the time. I wish I did. But I did speak to PNC 's customer service and they agree that this scenario is possible. However they don't deem it to be a bank error because the transaction totals are ultimately correct. I disagree and believe the {$36.00} charge should be reversed.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to Lexis Nexis because they are reporting inaccurate and unverifiable information on my report. They completely ignored my request. I then contacted them via telephone which is also a hassle because they always have to call me back. I then received a call from one of their representatives who stated that they verified a bankruptcy with the US Bankruptcy of XXXX XXXX  XXXX. I previously contacted the courthouse, spoke to XXXX XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to anyone, Lexis Nexis. 
I demand that they delete this bankruptcy from my report immediately and delete it from the credit reporting agencies. 

Account : US Bankruptcy Number : XXXX
Complaint sub-issue: Account status incorrect

XX/XX/2021 XXXX XXXX/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , TX XXXX Dear XXXX XXXX & XXXX XXXX , Thank you for receiving this message. I have always had a good standing account with your company and usually always made the full payment or half payment every month. The Account is XXXX The last few years I took a big hit with the business as my newest XXXX  was closed 2 months after the pandemic hit due to the location being above a restaurant. I sold my home and scaled everything down but I always made my payments on time. I did what I had to do to keep employees and ourselves above water. 

I am trying to continue to do the right thing but I am upset that a recent 30 day late remark for XXXX was placed on my credit profile. I wrote into XXXX XXXXXXXX and even filed a complaint with the CFPB, but I got a reply back that my request was denied. 

I have spent over {$50000.00} with XXXX XXXX in the last 3 years and been a valued customer to your store. And I have always cleared my accounts with your financier XXXX XXXX in which they have made interest money off of me. 

In XXXX, even though things got very tight, I phoned into make my payment. The payment of the minimum due was {$870.00}. 

For some technical reason, your system made a huge error and processed this as {$8100.00} There was not enough funds for this error in my account, and the payment was returned from the bank. I made my payment on time, its just your phone system processed it incorrectly. I have enclosed the original statement enclosed. Then your company flagged me as 30 days late. 

Moving forward, the SBA has granted our business an extremely needed loan. My personal credit score has been compromised because of your companies technical error, and I have to bring up my credit score in order to grant the loan and keep us in business. I have never, ever, been late in the more than 3 years I have been a XXXX XXXX XXXX XXXX Customer. I am shocked that you would deny my request when so many creditors are protecting victims of the coronavirus by standing by principles under the CARES ACT. 

I truly hope you look into this unfortunate circumstance and help fix this so I can continue with my business loan and make larger payments back to XXXX XXXX. 

At this time I am excited to keep going and keep pushing. However, my credit score has been affected from your company reporting. The SBA qualifies the business for the loan, but I need to pull my personal score up. This has been truly the hardest few years of my life and we desperately need the funding to continue on. 

Under the Cares Act, many lenders helped people by forbearing their account. I never expected XXXX XXXX to do that but I am asking you if you could please remove the late remark on my account. You can clearly see that I attempted to make the payments. And you can see that I am back on track now. 

If you could please look into my account and apply the Cares Act principals and delete that remark. 

Reported Month XX/XX/2021 Thank you for your time and consideration.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, i sent a letter to the bureaus reporting some inaccuracies on my credit report. To this day over 60days later the inaccuracies have not been resolved yet. I am being completely ignored and this is really not fair to me. I researched some of the law and i found out that Section 611 a says that a failure to investigate these items within 30 days give a reason for a complete removal of those item in my credit report. In my case it has been over 60 days therefore i should expect a deletion. Please remove these items promptly since the law was violated here. My information was also impacted by the equifax data breach that happened couple years ago and who knows have my information right now.
Complaint sub-issue: Reporting company used your report improperly

my business applied for credit under my business name and ein and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1
Complaint sub-issue: Public record

They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue
Complaint sub-issue: Account status incorrect

My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.
Complaint sub-issue: Information belongs to someone else

EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.
Complaint sub-issue: Frequent or repeated calls

IC Systems has contacted me almost daily for a week regarding medical debt. I have advised them EACH time that I am not currently employed and am unable to pay the debt at this time. On the call that took place approximately XX/XX/2021, I advised them that the address they had on file was incorrect and I confirmed my po box  address so that they may send the legally required validation of debt, which they have yet to resend. On the call today, XX/XX/2021, the agent that I spoke to continued to attempt to delve into my personal life and finances which I advised her were not her concern as I had already advised I had no income. Once the call ended I called back to speak to a supervisor, I advised the supervisor that their company was in violation of sections 806, 808, and 809 of the FDCPA to which her response was that she would remove my number and listen to the calls. I again advised that at this time they were outside of the legally required window for validation of the debt and she stated that she would resend the letter, to which I quoted again that she was outside of the legally required window. I asked to speak with someone within the company who took these matters seriously to which she replied that she does and that she's removing my numbers and I should keep hers.
Complaint sub-issue: Personal information

Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies
Complaint sub-issue: Public record information inaccurate

*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against XXXX and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
Complaint sub-issue: Information is missing that should be on the report

My XXXX XXXX auto financing loan did dont appear in XXXX, Equifax , or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Complaint sub-issue: Contacted me after I asked not to

They send multiple emails a day with different information even after i contact them and tell them i will get back to them at work. Contacted me at my place of work even after i asked them not to, and on one instance even refused to let me get off the phone, instead asking me " what kind of person i was, '' to ignore a debt. I did not ignore the debt, i asked them to contact me at a later time and that i was working. THey were persistent and rude. Now, they still call me multiple times a day. I 've explained the situation and that i am trying to pay them, to no avail. They still call multiple times a day and send conflicting email messages. It is disconcerting and makes me not trust them.They 're collection practices constitue harassment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXX  XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed