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

I have disputed the inaccurate information on my credit report multiple times. I have attached multiple documents to support the removal of the reporting inquiries. I have spoken with several people in the fraud department who assured the issue was resolved.
Complaint sub-issue: Reporting company used your report improperly

Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.
Complaint sub-issue: Can't close your account

1-I closed my account with Discover Credit Card. They confirmed this closure by email ( attached ) on XX/XX/XXXX. 
2-They send me an email stating that I paid off my {$2000.00} ( the whole credit ) -attached- 3- They charged me -after closure- an amount of {$160.00} after closure. -a statement is attached- I want my {$160.00} back and final closure of my account with this company. 
Thank you XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to the company, Equifax, to resolve the errors on my account, and if they were proven accurate to verify the information. The company, Equifax, did not do anything to resolve those errors and were unable to prove the accuracy of the items I am disputing on my credit report.
Complaint sub-issue: Having problems with customer service

I submitted a request to American Education Services to apply a natural disaster forbearance in order to prevent my loan from defaulting. I gave all the information requested and every time, I received a letter stating they needed the same information they requested. Every time I called in and gave them the information and every time they restarted the request, stating that it was a computer issue. When they finally did put the forbearance through, they completely ignored the loan that I had been requesting the forbearance for and then they defaulted that loan. I had requested it specifically to avoid that happening. When I emailed them to address the issue, they completely ignored my email. It 's been a week and a half and I have received no response and the issue has not been addressed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681c-2 FTC VIOLATION XXXX XXXX, EQUIFAX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, EQUIFAX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.
Complaint sub-issue: Their investigation did not fix an error on your report

The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.
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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3400.00} ), ( XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2200.00} ), XXXX OF XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXXXXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX  / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXXXXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy  rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Complaint sub-issue: Account information incorrect

To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXX through XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my XXXX bureau reported the exact same way. These items have already been updated and dropped from my XXXX  bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XX/XX/XXXX XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX XXXX in my eyes for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Complaint sub-issue: Account information incorrect

Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Can't close your account

Ive been trying to close my citi account after discovering that their system constantly prompts me for my debit card number when on the website and that their fraud prevention refuses to recognize the phone number I have used for 20 years and have on file with every other bank I use. 

They are refusing to allow me to close my account despite coming directly into a branch with multiple forms of photo ID. They have 150k of my money that they are basically holding in ransom at this point. Im losing money on a daily basis given I cant invest it or place it in a higher interest savings account because they refuse to release it.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I requested a Pre-qualification From XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies XXXX, Equifax, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXX XXXX XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

REQUESTING EQUIFAX TO REMOVE " 4 '' HARD INQUIRIES FROM MY CREDIT REPORT
Complaint sub-issue: Account status incorrect

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Complaint sub-issue: Information belongs to someone else

In accordance with the fair credit reporting act the following account 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 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Personal information XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXX cleaning
Complaint sub-issue: Account status incorrect

Equifax is reporting an account with XXXX as a charge off and negative. This account was paid in full and XXXX agreed to delete the account from all credit reporting agencies. The account only remains on my Equifax report. They refuse to delete it.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Checked transactions at a time in between an old card and waiting for new one because of this suspect activity.I dont recognize any of these companies or the charges.Ive not recieved any product from any of them. Ive tried to reach out to them but i dont know who they are. The bank had 1 number to call. The phone is disconnected. bank has said i entered into 1 agreement. Wheres my product they charged me twice the same day. The bank has declined my request for refund. This is all fraudulent. 
The Bank is Direct Express The company 's that charged my card are XXXX FOR XXXX ON XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX  FOR XXXX ON. XXXX XXXX XXXX XXXX 2 CHARGES FOR XXXX AND XXXXON XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following collections. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}
Complaint sub-issue: Investigation took more than 30 days

Equifax like the other 2 bureaus was notified by XXXX XXXX to delete an account which we came to an agreement and completely resolved, but EQUIFAX continues to falsely report items. 
Amount : {$970.00} - Unknown Account Number - Original Debtor - XXXX XXXX Equifax has not taken any action for over 90 days now for both XXXX  and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXX/XX/2021
Complaint sub-issue: Account status incorrect

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I want to get my money back from cash app and XXXX since this person XXXX XXXX from XXXX XXXX  scammed me in sending money to false accounts!!!!! He took about {$1100.00} from right so I had to close my bank account and open up a new one!!!!
Complaint sub-issue: Information belongs to someone else

BMG MONEY XXXX XXXX AMOUNT OWED XXXX
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  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
Complaint sub-issue: Account status incorrect

On XX/XX/2019 I paid 2 collection agencies. I was told my credit report would be updated. My credit report at Equifax was never updated. I was told by XXXX XXXX XXXX I had to wait. I filed 4 complaints with the XXXX XXXX   XXXX against XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of XX/XX/XXXX there is no change to my Equifax Credit Report.