Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Complaint sub-issue: Problem with personal statement of dispute

I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM OPENROAD LENDING AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND XXXX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM XXXX  AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.
Complaint sub-issue: Debt was paid

I have settled this account XX/XX/2020. I have contacted and told them that they are reporting to the credit bureau incorrectly.
Complaint sub-issue: Old information reappears or never goes away

Equifax removed an account with XXXX & XXXX from my credit report as neither company has been able to validate this debt! Equifax then reinserted the negative information on my credit report on XX/XX/2021 without sending me CORRECT documentation as required by law 15 U.S.C sec 1681i! Nothing was supplied via the original creditor or Equifax! The violation here is the REINSERTION of the item!
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, & XXXX XXXX XXXX # 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
Complaint sub-issue: Information belongs to someone else

This company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks
Complaint sub-issue: Problem with product or service terms changing

I have a Macy 's credit card that has been charged without my concern since XXXX of XXXX until XX/XX/XXXX, when I found out from my account statement that a credit protection agency has been charging my Macy 's credit card for almost 13 years. The amount charged on my were mostly between {$44.00}, {$48.00} or {$43.00} for 13 years. On XX/XX/XXXX when I discovered the changes that has been imposed on my Macy 's credit card account, I called Macy 's to inquired why these charges were on my billing statements which I had never taken a notice for 13 years. Macy 's customer service Representative referred me to XXXX XXXX XXXX   to resolve the problem. I canceled and requested for a full refund of the amounts taken away for 13 years. Since XX/XX/XXXX I have not getting my refund while it is approaching 90-day.
Complaint sub-issue: Information is not mine

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Complaint sub-issue: Information belongs to someone else

I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/GLELSI THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( EQUIFAX, XXXX, XXXX ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

With my Citi card I paid on time and in full and the company is staying that the amount was not paid on time. It reflects negatively on my credit report even though the payment was paid before the due date. I have tried to dispute it and even uploaded supporting documents showing payment in full and they are still refusing to take it off my report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My cashapp card was charged XXXX on XX/XX/XXXX @ XXXX XXXX XXXX XXXX in new york . I live in connecticut and have no knowledge of this purchase. I tried filling a dispute with cashapp but have not heard anything back. I reached out to XXXX  but they told me that they can not do anything about it only cashapp can.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions in the months of XXXX, XXXX and XXXX, I contacted Equifax to dispute a bankruptcy and a few liens that were showing on my credit report. I was told that they got their information from XXXX XXXX. I also tried numerous times to get in touch with XXXX XXXX to get a copy of my consumer report from them and was n't able to get a copy until XXXX. On or around XXXX XXXX, XXXX, I tried once again to get Equifax to remove the bankruptcy and liens listed on my report and they once again came back XXXX the XXXX stating they received the information from XXXX XXXX. I finally received a copy of my XXXX XXXX report on the XXXX of XXXX and it did not have the Bankruptcy or the liens I disputed listed on them. I 'm confused at this point. How can you say you received the information from them, when it is not listed on their report to begin with. The XXXX XXXX report also lists companies who requested my report, Equifax is not listed there.
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting that XXXX XXXX XXXX XXXX. remove 1 x 30 day late dated XX/XX/2020 from XXXX, Equifax, XXXX. This payment " late '' due to 2 extenuating circumstances beyond my control & directly attributable to XXXX XXXX XXXX XXXX XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX XXXX  XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX locked & refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for 40+ years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX XXXX XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX XXXX XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX XXXX  XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXXXXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Complaint sub-issue: Debt was result of identity theft

I checked my credit report and found this credit account that I have no knowledge of.
Complaint sub-issue: Received bad information about my loan

I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. 
ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 
2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 
3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 
4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 
5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. 
RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. 
Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;
Complaint sub-issue: Investigation took more than 30 days

I have disputed the accuracy of items being reported on my credit report by Equifax, XXXX and XXXX. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages
Complaint sub-issue: Account terms

Dear Equifax Information Services LLC : This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as it is. Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report. XXXX XXXX/XXXX/XXXX Find out the exact date, because I think the XXXX shown is not quite accurate. Refresh my mind on this data and verify or delete this entry form my credit report. XXXX XXXX Verify the remarks, payment status, history dates, and high credit. Check it and repair accordingly. XXXX XXXX I want a verification in the status, monthly payment, XXXX payment history and credit limit because is difficult for me validate. Corroborate if is possible make any corrections or delete. XXXX XXXX Rectify the high balance, limit, comments, account status, and payment history. I have doubt that must be clarified so if you may please check the data and possibly correct them. XXXX XXXX Review this data like the status, comments, payment history, and high credit because I feel there have some errors. Verify and repair or delete. XXXX XXXX I contemplate in some context on this account might bring possible errors.I believe the pay status, comments, account status, and high balance are having a great effect examine and repair or end the reporting. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be accurate and current. Refer to my attached documents so the proper corrections are made and delete the following from my personal credit file. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be update, correct, and accurate. Refresh and take away the following from my credit report : Incorrect Name XXXX XXXX XXXX am confuse how you are provide my name on my personal credit report. Please verify into this have it corrected and delete the following : XXXX XXXX XXXX XXXX/XXXX/XXXX Verify the company name, date shown, and if this was authorized properly. Afterwards remove it from my credit file since the data might be erroneous.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have contacted the company several times as well as the three major credit bureaus because the account was opened fraudulently, either by relative or stranger. I understand that my social security number and address was used to open the account. However, I've never signed any agreements with this company in order to open a credit card account. This was done so without my permission. I am a victim of identity theft and it has been a very long and depressing process trying to have fraudulent accounts removed. I have taken action by filing a police report with my local police department and having it sent to the credit bureaus. Additionally, I have locked and added fraud alerts to my credit files.
Complaint sub-issue: Debt is not mine

The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. 

The collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I need this complaint sent to XXXX XXXX. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. MISUSE OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN XXXX XXXX XXXX ( H ) XXXX fraudulent inquires has caused financial hard ship. this make up 10 % of my credit score. I have been denied credit, XXXX and Equifax has already complied with the facts of law I've laid out. But XXXX it self over the have phone told me they don't care about the federal codes, that XXXX wrote for them to follow. XXXX continuously have disregards to the XXXX, XXXX XXXX XXXX XXXX chapter XXXX and to the natural people.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In 2010 my income sensitive payment program was approaching its fulfillment time of 25 years, so I contacted my loan servicer to find out what the process of completion was. At that time I was informed that my loan had been transferred from its original servicer to MOHELA two years previously and that I was no longer on the ISRP but had automatically had my loan placed on MOHELA 's XXXX program and that the 25 year forgiveness period started all over again with the new servicer! I am now XXXX XXXX XXXX and my loan will not be forgiven until I'm in my nineties! In the meantime, as interest has accured, my credit report shows that I owe more than {$150000.00}. up from my original {$43000.00}. loan through interest. I applied for forgiveness for my work in nonprofits but was turned down because they were not qualifying nonprofits. I can not purchase a home, nor anything else requiring a credit report because of this debt, although I have been meticulous in keeping up my status with the loan servicer. This " start over again '' policy on firgiveness when a loan is transferred without the borrower 's knowledge or permission is a federal scam!
Complaint sub-issue: Debt is not yours

I received a letterfrom IC Systems on   XXXX     stating that I owed them {$250.00}. I dsputed this debt and send a letter for verification of the alleged debt. I never received a response from them and they inserted a collection account on my credit report on  X/XX/2017
Complaint sub-issue: Investigation took more than 30 days

My husband, XXXX and I, sent an investigation request to Equifax back in late XX/XX/XXXX. XXXX received the results of his investigation weeks ago. However, Equifax has not forwarded me my investigation results yet. They were supposed to respond within 30 days, and they have not. I am certain that they received our request, because my husband received notice of the items that were corrected on his report. Despite two follow-up letters, I still haven't received anything in the mail.