Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, Equifax, XXXX, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Please remove this bankruptcy from my public record This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Frequent or repeated calls

After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home.
Complaint sub-issue: Debt was result of identity theft

I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account PLUSFOUR INC has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company PLUSFOUR INC. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.
Complaint sub-issue: Debt is not mine

received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reach

ed out to Equifax to dispute inquiries on my cerdit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX  XX/XX/XXXX this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX XX/XX/XXXX. I have a credit card with this company opened XX/XX/XXXX not associated with this inquiry. 
Equifax XXXX. XX/XX/XXXX I have no mortgages with this firm or accounts associated with this creditor. 
XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? 

I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. 

I have enclosed copies of the section of the FCRA document that Equifax has willingfully violated to ahev these inaccurate inquiries appear on my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, an open end consumer credit plan as late for purpose.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX****
Complaint sub-issue: Public record information inaccurate

why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. Equifax, XXXX and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of 2021, I filed a dispute with Equifax about the unverified many unverified collection accounts on my credit profile. These accounts were removed from the other two major credit bureaus. In these 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. I have uploaded the account and dispute letter. Thank you
Complaint sub-issue: Information belongs to someone else

incorrect info on report. id theft victim. 
chapter XXXX bankruptcy court XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I applied for and received a Citibank double cash credit card. On Saturday, XX/XX/2021 I was having difficulty setting up and using the Citibank online site. A phone number was provided by the site for assistance. I called the number, and a representative asked multiple questions about the account and about my information. He then said that he was going to generate a 12 digit number and I was to call a phone number he gave me and give them this number to fix my account. I called, and a prerecorded message about a mental health facility came on. I hung up. I then was notified that a charge of {$0.00} was added to my credit card from a XXXX  site. I had not incurred this charge and filed a dispute. I then called the phone number on my credit card to verify that the original number I called from the website was a legitimate Citibank number. I was told that the original number I called was indeed a Citibank call center. However, the agent told me that the other phone number the agent had me call was not a Citibank number, and she also told me that the twelve digit number was not something citi bank did. I knew at this point that the original agent had set me up for a scam. The new agent on the phone closed my current card and reissued me a new card with a different number. I was advised that the new card would arrive today by XXXX, and that this should solve the problem. However, this morning ( XX/XX/2021 ) I got an email notice that a charge of {$2.00} from XXXX XXXX XXXX, XXXX  Mn was made on my account ending in XXXX. My old credit card was a different number. I have not even received the new card, let alone activated it. I called Citibank and was told, that this charge was a recurring charge and was therefore transferred from my old card to the new card. So obviously getting a new card was going to do nothing to prevent this fraud from continuing. I told the agent that I wanted to close the account permanently. She indicated that because this was a new account and wasnt completely set up yet, that she couldnt close the account. She asked that I call back on Thursday to close the account. I asked to speak to her supervisor. He confirmed what she was saying. So I told him I would not activate the new card, and I went online and locked it. I also related to him how all of this transpired after the first call to the citi agent about the website. I told him Citibank has a problem if they have scammers in their call centers. He said they would investigate. I think that Citibank has some very serious issues in their credit division.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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: Personal information incorrect

I was deactivated from the XXXX platform because of what was on a report from Checkr. 
Checkr never sent me a copy or made it available on their candidate portal. Finally after a month of requests I got the report. There is misinformation on the report, it is a non-financial issue. The problems are the address, drivers license information and my last name. 
The worst thing about this is XXXX refer me to Checkr and Checkr referred me to XXXX. The report was done on XX/XX/21 and I got a copy on XXXX XX/XX/21.
Complaint sub-issue: Trouble with how payments are being handled

I recently repaid {$28000.00} in student loans to XXXX  XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ). 

Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations. 

I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My name is Ms XXXX and my brother mistakenly paid his credit card bill with my checking acct. The acct was only on his because i helped him make a 1 time payment 2 months prior. The date was XX/XX/XXXX he made a paymemt online for XXXX from my XXXX XXXX XXXX and he meant to use his XXXX XXXX   information. We called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They said it will be in my account on XX/XX/XXXX. I called back on XX/XX/XXXX and they said I have to wait for another approval. I contacted my bank today and I would've done this sooner, I was told to let the company help first and they lied and cheated me. I want a full refund for products I don't own and never received.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I was supposed to have my student loans I had already excepted him and they were ready to come in and XXXX XXXX went into my account like he always does he always ask my passwords trying to steal morning and went and told the loans that I didnt need them anymore which luckily I called them but he has no business going through my passwords or even being on my Wi-Fi. Being that we dont live together and shouldnt be anywhere in the same town but he does not know how to respect boundaries because he has a common thief
Complaint sub-issue: Information belongs to someone else

I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years  now that it does not belong to me!
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX AND DISCOVER CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH XXXX. I CONTACTED XXXX XXXX WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED XXXX XXXX  AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST XXXX XXXX AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT EBEN HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED XXXX XXXX FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.
Complaint sub-issue: Account information incorrect

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
Complaint sub-issue: Funds not handled or disbursed as instructed

We wrote a check in 2019 that never cleared our checking account. We contacted the company the check was written to 6 months after we wrote it and they said we did not owe them anything so we stopped accounting for the check. More than two years later our bank, XXXX XXXX XXXX XXXX received the check from the Bank of Oklahoma and paid the check without contacting us.
Complaint sub-issue: Their investigation did not fix an error on your report

The companies response is that I hired a credit repair company. I sent in the FTC reports and Equifax data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the Equifax data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the Equifax data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.
Complaint sub-issue: Trouble with how payments are being handled

I submitted everything for a PSLF review as directed by managers at MOHELA. I called to check on the status because one of the newer forms was marked as a duplicate and therefore was not reviewed properly. THIS WAS A NEW UPDATED form that the staff did not review properly and incorrectly marked. I called and asked to speak with a supervisor and after XXXX waits of XXXX hours each time, I never spoke with a manager- just remained on hold. My file is back in review again but it will now take an additional 90 days due to their lack of review ability. I keep having to bear the brunt of their mistakes and it is not fair at XXXX Also, the payments from XXXX are STILL NOT BEING counted. I am being told from MOHELA that this is a Fed Student loan issue ; however, fed student loan says no way they don't have access to this information and therefore can't be in charge of fixing this issue. I am getting no where in getting these payments counted toward the 120 payments. This was while I was in grad school ; however, I made all payments on my loans during this time and never stopped making payments- they should be counted. 
I have attached screen shots to illustrate these issues.
Complaint sub-issue: Information belongs to someone else

I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.
Complaint sub-issue: Account status incorrect

See attatched Credit Report of EQUIFAX from XXXX Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched XXXX Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. XXXX OPENS ACCOUNTS I DID NOT AUTHORIZE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Complaint sub-issue: Problem with fraud alerts

On XX/XX/XXXX, a large transaction in the amount of {$920.00} was debited from my checking account, made payable to the Department of Education. Previous monthly debits, for this company, were in the amount of {$75.00}. I immediately called Student Services, the company that had reached out to me in XX/XX/XXXX, offering to lower my student loan payments and get part of the loans forgiven under the guise of the Obama Student Loan Forgiveness Program. After hours of calling numerous customer care numbers, I still only had a recording answering my calls and no one had called me back. Finally, I called XXXX, the original owner of my federal student loans. When I mentioned the name " Student Services '', the representative paused, then carefully explained to me that " Student Services '' was a fake and I 'd been defrauded. I stayed on the line with XXXX for over an hour then called my bank, whom had already closed. The next day, I visited my bank regarding the fraudulent transactions and proceeded to the police department to file a complaint against Student Services.
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, 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