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

XXXX XXXX is falsely reporting late payments on my credit report. They agreed to take it off of my history as this was their fault for the months of XXXX and XXXX. Spoke to them for over two hours and promised me that by the next billing cycle everything will be fixed and current.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
Complaint sub-issue: Having problems with customer service

I completed the rehab program their collection agency notified me about, and after I completed it, they started reporting my student loans on my credit report after over 8 years of not being on there and demanded much higher payments, both of which were not completely explained to me could happen since my loans were not on my credit report for being so old. I was in prison, which was cause of the default in the first place, so $ XXXX in student loans is currently over $ 29k and growing, despite me paying back for over 7 years. I am not crippled credit wise, and can not maintain the low payments I had been making for those 7 years. If I falter on the unrealistic payments they now expect, the new ding on my credit report will be even more serious. I feel trapped and tricked into doing this rehab, which was primarily done to get away from their terroristic tactics on the phone, which I previously complained about via the CFPB with no results. What was sold to me as a benefit has hurt me financially and also now on my credit with them reporting a previously unreported for years ( as the 7 year credit reporting guidelines expired on it ) and I was not informed it would affect my credit when they offered the rehab.
Complaint sub-issue: Received bad information about your loan

This is a loan from XXXX XXXX through Firstmark services ( Third Party service ). I had availed 9 month COVID forbearance starting from XX/XX/2020 to XX/XX/2020. I called Firstmark Services in XXXX and asked about other financial forbearance programs that I can avail since my COVID forbearance was coming to an end. One of the agents said that I had a few more months ( 3 months to be specific ) in my COVID forbearance program that I can avail after which my normal forbearance program ( 10 months in total ) can be applied. 

This happened to be misinformation as my COVID forbearance program was completely done by XX/XX/2020. Moreover, Firstmark Services automatically applied the normal forbearance to my account ( 10 months divided into sets of 2 month forbearances ) for 2 months. I wasnt informed in any manner about this. Since Im currently unemployed, I had made financial plans according to the information they provided in XX/XX/2020. 

I called Firstmark Services and explained this whole situation. They apologized and provided loan modification option which will affect the borrowers and co-signers credit score. I requested at least an extra 2 month forbearance since it was a mistake of misinformation on their part. They said they cant help me with the COVID forbearance program and I cant avail another 2 months of the normal forbearance if I havent made 12 payments after the previous 2-month forbearance. 

This seems to be totally unfair as I was misinformed about the forbearance options and I had made financial plans according to the wrong information they provided. This is more of a strenuous situation now as Ive been unemployed for the last few months.
Complaint sub-issue: Information belongs to someone else

The following inquiries were not authorized by me and I have notified each credit bureau these inquiries are due to identity theft. I have sent them numerous letters to address said issue. The inquiries below were not made by ME : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX and attorney general complaint!
Complaint sub-issue: Information is missing that should be on the report

I have contacted Equifax Credit Information Services several times this year 2022 and most recently on XX/XX/2022 to inquire about Equifax not reporting my secured credit card and secured loan with XXXX XXXX XXXX in XXXX, TX. XXXX on XXXX XXXX XXXX. These accounts have been opened since XX/XX/2022. And Equifax refused to report these accounts on my credit report. The last Confirmation number I was given by a representative at Equifax is XXXX, and XXXX. I have mailed copies of the statements of these accounts to Equifax and have called and Equifax continues to not report my pay history and the existence of these accounts on my Credit Bureau report. Equifax is intentionally not reporting these two secured accounts on my credit report. In which is inadvertently affecting my credit score. The secured master card has a limit of {$300.00} and the secured loan has a limit of {$500.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX negotiated a debt payment plan with me XX/XX/XXXX. I have paid $ XXXX, as agreed. The business office has called over the years since the plan was set up asking me to renegotiate. Last year they stopped providing me with statements. When I asked for a statement, they sent one by email that I am unable to access. I still made my payment on time every month. I received a letter in XX/XX/XXXX from CAC Financial stating my account had been turned over for collections. I do not have a payment plan with CAC and do not wish to negotiate one.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I attempted to create a dispute with Equifax about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
Complaint sub-issue: Information is not mine

I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the bank and had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/XXXX. I was an employee that was effected and XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent me email that is attached dated XXXX, XXXX, XXXX. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all XXXX credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Deposits and withdrawals

As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is  PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account has violated my rights. 
XXXX5 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 Inquires : 1 XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act Account # 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A 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

Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XX/XX/XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX****-Balance {$2300.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXBalance {$3600.00} XXXX XXXX**-Balance {$0.00} XXXX***-Balance {$200.00} XXXXXXXX XXXX****-Balance {$820.00} XXXX XXXXBalance {$260.00} XXXXBalance {$16000.00}
Complaint sub-issue: Information belongs to someone else

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.
Complaint sub-issue: Debt is not yours

I previously filed a complaint with equifax thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from equifax dated XX/XX/XXXX and the current copy of my XXXX XXXX  report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent equifax the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report
Complaint sub-issue: Account information incorrect

The credit bureaus are illegally reporting inaccurate information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

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

I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information
Complaint sub-issue: Debt is not yours

XXXX XXXX sold a debt to Jefferson Capital Systems and claims I owe {XXXX}. This debt is not valid and I have disputed it numerous times with no success. I never had any phone account with any company or XXXX XXXX in XXXX. After XXXX I was only on friends accounts for my phone for my safety. Im in the address confidentiality program and any account would have had to have occurred before XXXX. If they are referring to an account back in XXXX that debt is now not collectible because it would be past 7 years ago. I am very adamant that this is illegal debt collection, and invalid and not my debt. I did not have an account with XXXX XXXX in XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was away from my main home and living in XXXX XXXX due to COVID-19 local government lockdowns, thus I did not receive any paper statements regarding my {$100.00} balance owed and was completely unaware of this purchase. 
After lockdown easing, I returned home and immediately after seeing a pile of Macys statements. I called Macys to resolve this issue. 
I paid off the balance via a last minute offer made by an agent who stated once the payment is made, the negative items on my credit report will be removed. 

I was told by several Macys representatives that if I pay my balance that the negative items reported on my credit report would be removed. However it was never removed as promised. I was then transferred to several different agents. After making the payment, they stated that they no longer have access to my account, and can not make any modification. And told me that Im unable to speak with the macys credit report department, and I must write a letter instead. 

I wrote a letter, and called to speak with Macys executive office. I spoke to a gentleman who denied my request to have these negative information removed. 

He did not list specific reasons, only that it was denied. I pressed for a reason and was not given any to understand why it was denied.
Complaint sub-issue: Their investigation did not fix an error on your report

Theirs an account that's reporting on my credit report by the name of XXXX and XXXX that do not belong to me it's a fraud account that need to be deleted they are report for a company name XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.