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

Hi I am submitting this XXXX XXXX without 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 XXXX XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Complaint sub-issue: Account information incorrect

showing late which it shouldn't be showing late payments for the account number listed below. Equifax haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with Equifax about my credit card account with XXXX  XXXX account number XXXX, not being accurate of there site and they removed my account from there system. I have called and tried to get them to put my account back on my credit report, but have been given the run around stating that I need to get a reinstatement letter from XXXX  XXXX, and then I was told that I need XXXX  XXXX to call them, I have been given the run around for since XX/XX/2021. Now I have a second account with XXXX XXXX and that account is not being report either. I called XXXX XXXX they stated that they are reporting to all 3 credit bureau ever month this problem did not start until XX/XX/2021. Can you please help with this problem? 

Thanks XXXX
Complaint sub-issue: Information is not mine

In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
Complaint sub-issue: Need information about your loan balance or loan terms

I requested a complete history of my payments so I can apply for XXXX after my XXXX XXXX XXXX loans are separated under the new Law XXXX just signed. They have not provided the requested info and time is running out.
Complaint sub-issue: Problem during payment process

XXXX has been non-compliant with removing the unverified account CITIMORTGAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITIMORTGAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written consent.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

there is fraudulent XXXX XXXX XXXX account reporting under my equifax reporting, and i have been disputing this inaccuracy for almost a year and half, but this inaccuracy equifax is not helping and is persistent that it must stay under my name, please i need your help to fix this inaccuracy, this is the only inaccuracy that i reporting only on equifax credit, and no one else was this stubborn to help me. 
equifax has been very much stubborn and unwilling to help, please i will be attached my police report received from XXXX police department, and the FTC report i filed online, i have submitted both to equifax several times. 
please help me i have suffocating and unable to even rent a place thank you
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX  AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Problem with personal statement of dispute

mailed letter to Equifax on  XXXX   XXXX ,   XXXX   asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  and  XXXX   XXXX  still confirms that Chapter  7 is   verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy Court stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time. Chapte r 13 w as deleted.
Complaint sub-issue: Information is missing that should be on the report

XXXX on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance XXXX has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and XXXX deletes them. I have also reported this to the creditors. XXXX takes months to update accounts creditors are reporting monthly
Complaint sub-issue: Information belongs to someone else

These aren't mine ... please remove it.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT. 
I DID NOT AUTHORIZE THESE ACCOUNTS.
Complaint sub-issue: Received bad information about your loan

I am a public service worker, having been in the field since XXXX. I had my loans serviced through Pennsylvania Higher Education Assistance Agency ( PHEAA ) for a majority of the time when I first learned I was eligible for the Public Service Loan Forgiveness Program in XXXX. This was after not being told or encouraged to join through that servicer, who also had many loans tagged incorrectly, thus not reflecting the correct eligibility. I have recently re-certified my eligibility, but find PHEAA through FedLoan Servicing, only reflects roughly have the qualified years, telling me that there were forbearance they placed on my accounts when I would have been eligible for $ XXXX  monthly payments prior to and immediately following my marriage in XXXX. They have mismanaged my account that I have spent over 4 years trying to fix, with them now properly certifying my eligible years, but not that of eligible payments that they consider.
Complaint sub-issue: Problem with fees

I had a Macy 's ( Citi Bank ) card. A purchase was made in XX/XX/XXXX. I never received an e-mail, call or a statement in the mail until XX/XX/XXXX. They ended up charging {$160.00} in late fee 's. They said they are only allowed to remove XXXX and wouldn't remove all XXXX. I paid the bill in full when i realized that it was not paid. They are still trying to charge me for {$80.00} when I never received anything as a payment due. They should not be allowed to charge late fee 's when they never tried to collect the debt or let me know that a payment is due. I paid the charge and would pay the interest but the fee should be removed.
Complaint sub-issue: Can't close your account

In my mortgage application ( separate ), I noticed an account with Citi that I did not recognize and could not locate. 

I called on XX/XX/2019 and it took me about 30 minutes to get on the line with a representative. The call was unclear, but what was clear was the incompetence of the representative as he just sent me back to the automated messenger. 

I called again XX/XX/2019 and got in touch with a representative who was slightly more competent and could not identify an account with using my name, social security number, or the partial account number. 

As far as I know the card does not belong to me and I would like it removed from my account so that it does not influence my mortgage or credit.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

FINAL NOTICE TO CEASE AND DESIST COLLECTING ON BP CORPORATE M/C AND XXXX XXXX ACCOUNTS, FOR THEY BOTH INCLUDED BANKRUPTCY AND SO IS HUNTER-WARFIELD, SEE ATTACHED. 

THERE IS AN ACTIVE AUTOMATIC STAY IN PLACE AND IS VIOLATING THE DODD-FRANK ACT ALONG STATE AND FEDERAL COLLECTION CALLS TO MY CELL NO OVER XXXX TIMES AFTER ORDER. 

XXXX COUNTS OF FDCPA AND FCRA INFRACTIONS.
Complaint sub-issue: Contacted you after you asked them to stop

Debt collector from Advanced Recovery Services, XXXX XXXX, deceptively addressed my personal XXXX  debt to myself and my wife. This deceptive, because if this is submitted to the credit bureaus, it will impact my wife 's credit as if this medical debt was her 's -- which is not. I contacted the collection agency in XX/XX/2018 by letter requesting the removal of my wife, XXXX XXXX, from the debt and to cease and desist including her in this debt. I realize this is a deceptive way to collect the debt and cause irreparable harm to an entire family, instead of just the XXXX adult that owns the debt. This is why I gave the agency the chance to fix their error in judgment before submitting this complaint to you. After XXXX, they have mailed further collection letters, continuing to address them to myself and my wife. I have no recourse but to file this complaint with you and request your help in this illegal and deceptive practice by this debt collector and his or her agency. Thank you.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late
Complaint sub-issue: Account information incorrect

XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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  Have 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 an account without my written instructions
Complaint sub-issue: Debt was result of identity theft

My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX have 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: Credit inquiries on your report that you don't recognize

this is not a duplicate. This is an identity theft dispute. I am submitting to you in attachment 's that report was filed with Equifax and XXXX and still thus far have not removed these disputed hard inquires from my credit report ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... credit score, and come chilinquires listed in the report that i submitted three times thus far along with identity theft doucments.
Complaint sub-issue: Information belongs to someone else

I recently pulled my equifax credit report and noticed several fraudulent inquiries on my equifax credit report. To my understanding according to the FCRA, legally these unverified and unauthorized items must be removed. I have already reached out to the the companies in questions and I was instructed by the companies in question to contact equifax directly for the removal of these inquiries directly. 
The fraudulent inquiries are below : XXXX XXXX pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXX Pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXXXXXX pulled my credit without my permission on XX/XX/XXXX I've attached all my ID and identifiable information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was in XXXX, XXXX. I had prearranged a cab pickup from our hotel ( XXXX XXXX ). I had Citi alert active on my card. A man in baggage claim stated he was there from our hotel. My companion and I got in XXXX. He stated the hotel had not paid him after we were en route. He requested my card to run charge. Once he had my card he pulled the XXXX over in front of a bank. He took my card from the vehicle without my permission. He reentered the XXXX and returned my card and said we were ok to proceed to hotel. I did not sign any receipt. I assumed at this time he was from the hotel. After getting my bill, I discovered a charge for {$6200.00} on my Citi card from XXXX XXXX XXXX XXXX XXXX. I called my cards fraud center immediately and filed report. They refused my fraud request twice in writing and a manager stated he would file again. Did not happen. Countless calls to Citi cards has not resolved this issue. I have a credit score of XXXX and have had this card 21 years.I have literally spent hours on the phone with them and spoken to dozens of representatives/ managers. I contacted the hotel in writing to notify them of the impersonator.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX does not know XXXX. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an alleged debt on my credit report reported by XXXX XXXX XXXX XXXX, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XXXX/XXXX/20. I received a response XX/XX/20. 

Equifax also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.
Complaint sub-issue: Account status

After complaining to both XXXX XXXX ( XXXX ) ( formerly XXXX ) about how they wrongfully booked their payments for XX/XX/XXXX and XX/XX/XXXX late and reported to Equifax. They corrected and took off my credit record, but then miraculously the next year changed the so called late payments to XX/XX/XXXX and XX/XX/XXXX. This is follow up on former correspondence and payments that were and still are falsely reported on my credit reports with all agencies. The accompanying literature documentation shows the gross mishandling of credit reporting and devious and false representation. 
Under my rights of the FCRA I demand you immediately take off all negatives regarding my reporting to credit agencies, all of them. You can readily see the gross conduct in mishandling payments and reporting by the inclusions. 
1 ) Letter to XXXX on XX/XX/XXXX 2 ) Follow up letter to that letter on XX/XX/XXXX 3 ) Credit report XX/XX/XXXX 4 ) Credit report XX/XX/XXXX 5 ) Credit report XX/XX/XXXX You can readily see that at one time XXXX reported me never late to XXXX on XX/XX/XXXX. Yet in same month XXXX to Equifax and XXXX I was late on XX/XX/XXXX and XX/XX/XXXX for 30 days. After I sent in complaint letters and many credit reports later it is indeed off for that XX/XX/XXXX and XX/XX/XXXX mentioned above, and miraculously now it indicates I was late XX/XX/XXXX and XX/XX/XXXX instead.
Complaint sub-issue: Information belongs to someone else

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX- Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I disputed several things on my credit report with Equifax on XX/XX/17 I received an email from them stating it had been completed. When I tried to use the confirmation # and review the results the page kept popping up it was unable to access my results, I waited a couple days tried again same thing. I then receive another email from Equifax ( XX/XX/17 ) with a new confirmation number that my disputes are complete. I tried AGAIN to access the results and was given the same page. I called into 2 different phone numbers and both agents told me there is no dispute on my record, just a consumer statement that I made with XXXX not even Equifax. I need the dispute results from Equifax, please assist.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.