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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, 2022, for the said request, I have not received any response up to this date, XXXX 2022. Besides, the inaccurate information about my accounts 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 unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Not given enough info to verify debt

I decided not to argue about the debt as it was {$110.00}. The issue is she wrote down all XXXX digits of the credit card which is a violation of the XXXX rules and regulations and I am filing a complaint with them. She also wrote down the security code. It is a violation of Federal Law to write down the XXXX digit security code. She refused to provide me with a copy of that form. She admitted that they do this every day. 

This business needs to have a surprise visit so they can not hide the violation. Business name and address : Alpine Credit Inc. 
XXXX CO XXXXXXXX advise how this illegal practice can be stopped and the business fined?
Complaint sub-issue: Account information incorrect

I would linke to request that HUNTER WARFIELD verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law.

If HUNTER WARFIELD is unable to provide the above identifying account information, this account must be deleted from all CRAs. HUNTER WARFIELD also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

I've spoken with them numerous times about the validation of this debt. They've provided me with documentation that doesn't prove what debt is owed. Also, my signature is not on any of the paperwork. I never received any notices from this company. I didn't know I owed this debt until it showed up on my credit report. Please remove from my credit report immediately.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a XXXX XXXX Account to qualify for a {$500.00} bonus before XX/XX/XXXX, I have maintained the balance of {$50000.00} for over 120 days yet have not seen this bonus reflected. Please credit the bonus to this account. I have reached to online support of Comerica without the desired response. 

Thanks, XXXX XXXX Welcome! Your last Log In was Friday, XX/XX/XXXX XXXXXXXX XXXX ET XXXX ServiceLog Out OVERVIEW ACCOUNTS E STATEMENTS TRANSFERS BILL PAY MOBILE BANKING / ALERTS Message Center Send a Message Message Return to Messages Date : XX/XX/XXXX XXXX XXXX  Subject : RE : Account Inquiry My name is XXXX and i am pleased to assist. XXXX, The {$500.00} XXXX XXXX XXXX offer will be advertised in the Southeast Michigan, XXXX, and XXXX regions starting the week of XXXX XXXX and running until XXXX XXXX, XXXX. For new-to-bank prospects or existing customers to qualify for these offers, they must first successfully open a Comerica XXXX XXXX XXXX account through OAO then meet the following criteria XXXX XXXX XXXX Deposit {$50000.00} within 30 days of account opening ( across a few acct types ) and maintain a minimum balance of {$50000.00} for an additional 60 days ( 90 total days ) after account opening. After meeting the requirements, you will receive their offer within 30 days. If I can help you in the future, please send me a message or you may reach our Customer Contact Center by calling XXXX. I am glad that you bank with us. Thank you for choosing Comerica Bank! XXXX Comerica Bank Member FDIC Equal Opportunity Lender Not all products and services are offered in all states -- - Original Message -- - Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Account Inquiry Segment : Individual Inquiry : I can not find my question. Message : Could you please let me know when the {$500.00} bonus for opening this accounting and maintaining 50K average balance will post? Per the terms it should have posted in XXXX, 90 days after XX/XX/XXXX. Thanks, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

This complaint concerns  XXXX  student loan servicing and  ACS-Education  XXXX   XXXX  loan servicing. My federal loan servicing provider,  XXXX , has given me a deferrment and understands my situation and is helping me.  XXXX  and  XXXX   XXXX   XXXX  are being completely unreasonable and I am sincerely afraid they are violating my consumer rights and threatening my credit, which affects my ability to improve my situation and pay more towards my student loans. I have tried everything and I really need your help. Thank you.      1 )  Since  XXXX    XXXX  , I have consistently, repeatedly and regularly advised these companies of a drastic change in my financial and economic circumstances. I have basically had to start all over in the  XXXX  after having worked overseas for several years. This is harder than expected and the economic climate in the  XXXX  is still not the best. I sent these companies my income/expense calculations for over a year to try and come to a reasonable payment plan and additional forbearance so I can improve my situation.      2 )  The payments they requested are those I simply can not afford because I do not make enough to pay that and pay normal monthly living expenses including rent, food, utilities, transportation for work etc. given that the cost of living increases but my pay checks do not! I have tried over and over again to ask them to accept a monthly payment that I can afford and they refuse to cooperate and understand.      3 )  This month, I promised to pay {$100.00} per month each month to each of the  XXXX  student loan providers. I made the payments on  XXXX .      4 )  I have tried to get student loan consolidation/refinance but the companies I talked to are either not able to help or will not help because of the total amount and the debt-to-income ratio, something I can not control right now. I can not simply quit my job when I have bills to pay!      4 )  What I need from you and CFPB : a ) to reach out to these companies and make sure they do not impact my credit rating, which would or could basically ruin the chance for me to improve my financial situation and be able to get a house, a car, a better position, or anything else where I could make more payments : b ) to reach  out to these companies and ask them to grant me additional forbearance because I desperately need it ; and c ) any other help you can provide to help me with this situat ion. It is causing major  XXXX ,  XXXX , and suffering because of worrying about the balance. PLEASE HELP IN SOME CONSTRUCTIVE WAY!     Thank you and sincerely, -- -  XXXX
Complaint sub-issue: Account information incorrect

I noticed a change in my credit score few weeks ago and when reviewing my payment history is not correct and an account that was showing closed and reporting properly is now showing up correct I filled a dispute with XXXX XXXX XXXX and it said that the info was showing correct. I had filed bankruptcy and was discharged XXXX XXXX  XXXX. this debt was part of that and has been reported properly since then. i then reported the issue to the company conns, due to the false reporting. first they responded saying the info coming from XXXX XXXX is not up to date, and that i need to use the credit report from the actual credit report not third party. so I got a 2 reports and and sure enough is showed changes made on XX/XX/2022 adding an amount to my balance, and on the other a balance being added XX/XX/2022 for both XXXX. I then send said screen shots of their respective info from my report and asked to be corrected and they still refuse to fixe it. this is now becoming slander and false reporting and they know that this account should be closed and they have that is was in the bankruptcy.
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of trying to get a Home Mortgage and during the process my loan officer reached out to me and advised they were able to get my credit report on XXXX  and XXXX  but unable to obtain the information from Equifax. I have reached out to Equifax  since Monday, XX/XX/XXXX and have had the worst experience in my life. I was told from the first call that they could not access my information that I would need to fax or mail my drivers license and social security card which I did immediately. I then contacted my loan officer back and he advised me to call Equifax back and ask for a temporary lift so loan officer can process my paperwork. Well we are now at Thursday, XX/XX/XXXX and I have called Equifax 10 times and was hung up on 4 different occasions with no acknowledgement from the company that they were terminating the call. I also asked to  speak with a Supervisor of which representative XXXX agent ID XXXX refused. I asked for the Supervisors name and agent ID and she advised Supervisor would not give me that information. EQUIFAX is now impacting me on having a place to live as I have to move out of the place I am currently living at. They have told me many different stories depending on whom you speak with. One representative tells you 24 hours to process request and now I am being told 7-10 days.  How can they impact a consumer like this and say what they just about want to? How can I trust this company who is in control of my credit history and my ability to obtain a loan?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX/XXXX  XXXX/XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Frequent or repeated calls

We have 2 futurniute accounts with Conn 's and both my husband I keep get phone calls. We have made a current payment which made the both account. My husband has spoken to a supervisor about this two weeks ago and was told that is payment would like the account current We need to change the due date and now they would change the dates .and the rep won't put the current Infomation in the notes. My husband fell behind on the payment because he changed job they would told. This both my husband and are so tried of telling this people this.and they won't do the right thing and they keep calling demand payment and asking for my husband credit card for payment.and when I tryed to ask for Infomation on this account I was told that I had to file out a form am on both account. Both of us are tried of hassarring phone calls.my husband get paid monthly now not bi weekly an they can't seem to get though thier heads
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity thief and although I have taken the proper precaution to prevent this from happen in the future by ( freezing all 3 of my credit reports and placed a fraud alert on all 3 credit reports ) the following inquires were not made by me nor did I give consent for my credit report to be accessed. Please delate the following inquires : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.
Complaint sub-issue: Report provided to employer without your written authorization

Well i have over 26 Hard Inquirys and some of them are doubled or trippled.

now some of them I did not give permission to do a hard inquirys, I would like them taken off my Credit Report, I just did not know how to do it.
Complaint sub-issue: Can't temporarily delay making payments

In early XXXX ( maybe around XXXX or XXXX ) I submitted my application ( online ) for an income-driven-repayment plan to one of my student loan servicers ( Nelnet ) ; not only did I complete the necessary form but as a follow up I called nelnet to make sure that they received and approved the INCOME DRIVEN REPAYMENT PLAN for one year.Despite my meticulous care in this area -- -- Nelnet just recently sent me a harrassing email erroneously stating that I am currently 15 days past due when they assessed that from XXXX of XXXX until XXXX of XXXX my repayment obligation would be exactly XXXX dollars per month.They have harrassed me in this manner before -- -- -and along with the current stresses due to covid-19 and trying to keep body and soul together by buying food and paying rent -- -there unecessary and frivolous harrassment is starting to adversely effect my mental and physical health and well being ( I am currently XXXX years old ) .They are consistently among the most widely -complained-about loan servicers in the nation -- -- -and I can certainly see that their lack of professionalism, lack of due diligence, and glaring lack of competency stand as prominent monuments as to why this is true.
Complaint sub-issue: Debt is not yours

This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.
Complaint sub-issue: Debt was result of identity theft

Dear CFPB, Please find my complaint against CoreLogic and XXXX for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if XXXX paid for my taxes. 

XXXX XXXX had no records that XXXX paid my taxes - but it was done by CoreLogic who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed XXXX from their MSP system, XXXX was unable even pretend to do any servicing functions. 

XXXX on XX/XX/XXXX told me that CoreLogic as their " tax vendor ''. 

CoreLogic previously claimed that CoreLogic has no relationship to my loan. 

Since CoreLogic is now my " tax vendor '', I demand CoreLogic to confirm their status as XXXX 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom XXXX and CoreLogic are servicing. 

XXXX informed me that Servicing rights were transferred to XXXX ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) XXXX  continue to insist that they PURCHASED my loan from someone whom XXXX can not identify. XXXX never mentioned any sales of my loan to XXXX. 

I demand XXXX to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX.. My taxes are paid by CoreLogic who bear to repeat deny their relationship to my loan. 

XXXX continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that XXXX  is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are CoreLogic and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the King ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or XXXX, but rather with XXXX XXXX and CoreLogic, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by Corelogic from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.
Complaint sub-issue: Information belongs to someone else

I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act 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. 

At the time the account was established in XXXX and XXXX I was only XXXX XXXX XXXX and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.
Complaint sub-issue: Investigation took more than 30 days

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 Bum. 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 XXXX XXXX XXXX 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  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

Not only have Equifax breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX  4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Report. Lets correct this immediately. The Company, CITIMORTGAGE XXXX, are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.