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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child   was born in XX/XX/XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX  XXXXt XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I work for the XXXX XXXX XXXX XXXX. I have been repaying Parent Plus Loans since XX/XX/XXXX that were taken for my XXXX daughters to attend college. How FAFSA works you only receive funds/loans per year per child.. I applied for Public Service Student Loan Forgiveness after 10 years of being employed by a XXXX XXXX XXXX XXXX and applied for loan forgiveness in XX/XX/XXXX. My application was denied because the loan company stated since I consolidated the loans in XX/XX/XXXX ( at their suggestion after I asked them how might I make it easier for with how FAFSA and Parent Plus works -- you incur loans per child per year and I was making about 6 to 7 payments writing 6 or 7 checks every month for the loans I might add ) that I did not have the qualifying 120 payments and that my " forgiveness '' would take place AFTER making the payments from XX/XX/XXXX, and at that point my loan would be paid off, and I would receive zero forgiveness. I asked if there was an appeal to this as I was misinformed when the suggestion was made by XXXX XXXX to consolidate multiple loans that I had incurred as a parent. I am upset and frustrated and am being denied what I am entitled under the federal Loan forgiveness act because of some " technicality '' they imposed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am having problems getting the XXXX 30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Complaint sub-issue: Reporting company used your report improperly

( XXXX XXXX XXXXXXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, Equifax who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or Equifax the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act XXXX  ( ( XXXXXXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Problem with customer service

wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and helping me make more money. I am currently paying the loan and it seems I did not get any type of refund for this.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received an email stating I made a purchase that I DID NOT make. I contacted home depot to let them know there was fraud on my account. Home depot canceled my card, sent out another and disputed the charges. I gave the the tracking numbers for the order that was sent to my email and theybsaid it would be investigated. After days of investigating, I received a letter stating the charges were valid. I called Home Depot backnto find out why I am responsible and they stated that the packages were delivered to my address. I told them the tracking numbers clearly show that the address was updated by the sender ( home depot ) to a different address as shown on the tracking. The tracking does not show the address, just a note stating the address was updated. They opened another dispute, just to close it again stating that packages were sent to me. I do not have these packages, I never ordered these products and home depot not ups will not tell me the address that the packages were sent to.

And my letter from home depot does not show the amount owed, it only has the reason for why they believe I owe for the fraudulent charges.
Complaint sub-issue: Debt was paid

I would like for the LENDING CLUB to remove ACCOUNT # XXXX because it is showing {$0.00}. The account balance shows {$0.00}. As of date, this account is reportedly inaccurately on my report. I am asking that you do this now. I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, My credit report was requested from Equifax and it was being reported that I have a XXXX score with Equifax. I have back in XXXX sent Equifax all of my information, and credit reports from other agencies as proof and yet still today I have been denied credit because I have no score with Equifax. Yet my personal information was stolen from Equifax to the sum of me receiving over 30 calls and emails since my information was obtained through their system. I have lost XXXX home loan deals because of Equifax not reporting my credit and have had to pay higher interest rate because of their frailer to report my credit history from past and present. I have written to then sent an affidavit of proof of self and credit that is being reported by other agencies to no avail. I don't know what else to do. How can a credit reporting agency refuse to report your credit history when that's the job of the business. They refuse to simply report my credit history when requested by reporting only that I have a XXXX score with them they have no history for me so they claim yet they allowed someone to hick in and steal my information all together.
Complaint sub-issue: Investigation took more than 30 days

THE ACCOUNTS LISTED ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

My laptop showed me a couple of pop up screens that said someone was trying to steal my identity. I couldn't close them out so I called the toll free number on the screen to see if I could handle it. 
I was on the phone for hours trying to get this resolved. I came home and we were missing upwards of {$16000.00}. My wife was devastated. I'm not sure what to do now but my wife said to talk to you guys to see if anything can be done. 
The money is gone and she said we will not see it ever again. 
Please let me know if you can help. 

Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.
Complaint sub-issue: Reporting company used your report improperly

As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

The creditor has and is reporting my credit history inaccurately. 

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623. 

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ). 

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.
Complaint sub-issue: Information belongs to someone else

On XXXX/XXXX/XXXX I received an alert from my credit monitoring company the a new collection account had been added to my credit report. I was unaware of any collection accounts as I pay all my bills in full every month. I obtained a copy of my credit report from Equifax and discovered that 4 collection accounts were added to my credit file totaling over {$3600.00} XXXX XXXX XXXX {$900.00}, XXXX XXXX {$450.00}, XXXX XXXX {$1500.00}, and XXXX XXXX XXXX {$640.00} ). I also discovered that my credit score had dropped 50 points because of this. I immediately submitted a dispute online with Equifax notifying them that these accounts did not belong to me. I also called all 4 companies to try to figure out what was going on, and all 4 companies advised me that they did have accounts with the name XXXX XXXX, however the address was different than mine and they also had no social security numbers in their records, all 4 confirmed no social security number. I was told to file the dispute with Equifax and that since there was no social security number Equifax must have added these account to my file just based on the same name which they are not supposed to do. The address on all 4 accounts is XXXX XXXX XXXX, XXXX XXXX, FL XXXX which I do not live at, nor have I ever lived, nor do I know anyone that has ever lived there. Upon further review I realized that Equifax had also added that address as being my address on my credit report, which is not so. At this time I am unable to access my credit file with Equifax online, I receive a message stating that my personal information does not match their records. So I have called multiple times, waiting on hold in excess of 20 minutes each time, last time being on hold for an hour and half, only to be told that their investigation is ongoing and it will take 30 days to resolve. That even though this information was added to my credit file erroneously I have to wait 30 days for Equifax to decide if it is correct or not. They also  refuse to remove the erroneous address from my file even though I have faxed them copies of my drivers license, utility bills, and my social security card. I was simply told that I would need to contact all of the companies and resolve the issue with them directly. I advised Equifax I had already contacted the companies and that they do n't have y social security number so how could this be added to my credit file. The explanation was that I would need to contact them again. I have since filed a police report with the XXXX XXXX police department for identity theft and placed a fraud alert on my credit reports with all reporting agencies, but despite all of the information I provide to Equifax they still have not ( refuse to ) updated my credit report accordingly. This has been a great inconvenience on me, we recently had hurricane Irma hit us in Florida and sustained damages to our home and vehicle, we were in the process of replacing the vehicle when all of this came up and now my credit is such that I can not obtain a new loan. Equifax is not doing anything to help rectify the issue, only acting as if it is my fault.
Complaint sub-issue: Problem with fees

I called CiTi credit card and advised them that I lost my card, and they should watch for possible fraud. They told me I should close my account. So, they went ahead and closed my account. I told them to apply my cash reward to my account. Later they refuse to do so. I sent them XXXX letters and they still refuse in the meantime they keep charging me late fees even though I sent them the full amount that was due according to my records. They claim because I closed my account on their recommendation that I forfeited my cash reward. Now they are ruining my credit score has dropped by like XXXX points.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 my bank XXXX XXXX that I had my Auto loan through accidentally hit my credit with a missed payment. The bank admitted it was a mistake multiple times when I approached them about the situation. Both the XXXX branch and the XXXX XXXX XXXX have requested Equifax to remove the missed payment multiple times with no response has to why it hasn't been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Discover Card several times about this matter, Discover is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but Discover had not done that at all.Not happy with the Discover Card company
Complaint sub-issue: Their investigation did not fix an error on your report

TO WHOMEVER IT MAY CONCERN, THIS IS NOT THE FIRST TIME I HAVE BEEN ATTEMPTING TO REMOVE FALSELY, INACCURATE INFORMATION OFF OF MY CREDIT REPORTS. THE FOLLOWING ACCOUNT IS REPORTING NEGATIVELY AND DOES NOT BELONG TO ME : -XXXX  XXXX ( XXXX ) THIS ACCOUNT WAS SUPPOSED TO GET REMOVED BY EQUIFAX QUITE A WHILE AGO. XXXX HAD SEND ME A LETTER STATING THAT THEY WILL REMOVE THEY WILL ASK EQUIFAX TO REMOVE THE FALSE INFORMATION OFF OF MY CREDIT REPORT, DUE TO THE FACT THAT THEY CONFIRMED THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT. I HAVE ATTACHED DOCUMENTATION OF WHICH PROVES THAT THIS ACCOUNT DOES NOT BELONG TO ME ( AS WELL AS MY LICENSE AND SSN CARD ). I DEMAND TO GET THIS ACCOUNT REMOVED, I DO NOT HAVE TO FEEL THE NEED TO ACQUIRE FURTHER LEGAL ASSISTANCE.
Complaint sub-issue: Debt was result of identity theft

Account Number : # XXXX Date : XX/XX/2019 I sent out a letter to The bureau of Equifax stating this collection debt is inaccurate & a result of identity theft, they also dont provide the name of the creditor. I would like for this debt to removed from my credit profile asap.
Complaint sub-issue: Fraudulent loan

I just received my credit report and noticed unauthorized activities that should not be on my credit report.This has been a stressful time during the pandemic outbreak.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have been calling XXXX XXXX  DBA XXXX XXXX my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to equifax my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my Equifax Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.