Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX  since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX  was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.
Complaint sub-issue: Information belongs to someone else

Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You
Complaint sub-issue: Information is missing that should be on the report

Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, Equifax ). 
XXXX XXXX XXXX failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : Equifax ) Sincerely XXXX XXXX
Complaint sub-issue: Account status incorrect

My account was placed in a forbearance during the time that Fedloan Servicing reported late payments in XX/XX/2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in XX/XX/2017specifically, XXXX, XXXX, XXXX, andXX/XX/2017.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

for the last year and a half i have disputed a error on my credit report and equifax is still showing it on my report after the debt was not validated i have asked several time to show proof of valdation and that has not been shown
Complaint sub-issue: Having problems with customer service

It has been extremely difficult to obtain online ( and telephone ) information to understand how to participate in the loan forgiveness program. And what little information is available, the onus of knowing what to do and submit is on the borrower. For example, the system is fully automated but my understanding is that I have to manually go back and review each loan and submit that information. It is an unclear and cumbersome process. I request that the process be transparent - above all else - easy to understand and user friendly to participate in. I am a XXXX prepared, XXXX who has been paying off loans for the last 20 years. I would like to understand my eligibility for the program clearly. 
Thank you for your immediate attention to this matter!
Complaint sub-issue: Account information incorrect

I paid off and settled my accounts to be removed with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax is still reporting those accounts on my profile and have failed to respond to numerous attempts for letters for validation on the status of the accounts being removed. I have already spoken with both creditors the in the terms of having the items removed. Its in complete Violation of my rights according to the FDCPA. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.
Complaint sub-issue: Other problem getting your report or credit score

Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.
Complaint sub-issue: Information belongs to someone else

XXXXn is reporting on my credit that I have an account with XXXXXXXX XXXX. I have no knowledge of that account at all. I contacted both XXXX  and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also Equifax is reporting a fraud report and so is XXXX Equifax and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

This to me is crazy. So. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Equifax has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Information belongs to someone else

I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report dated XXXX, from Equifax, they stated " validated '' for XXXX XXXX. As you can see, XXXX XXXX is reporting inaccurate information on all XXXX credit bureaus. How can they have verified anything when it's still showing inaccurate information. According to my rights, the CFPB and FCRA state I have the right to privacy and I have the right to accurate, verifiable information on my credit reports. XXXX XXXX and the 3 bureaus know what my rights are and they know their responsibilities when reporting and placing information on my credit report. I am having to do all this research in credit repair. I have been disputing this for months. Its a violation for sure.
Complaint sub-issue: Account status incorrect

Citicards Cbna is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports per XXXX and XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA., XXXX  on XX/XX/2020, XXXX - XXXX XXXX add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Debt is not mine

Enhanced Recovery placed an account from XXXX on my credit report on XX/XX/XXXX. I called this company and spoke with an agent to find out what this item is, and I was informed it was an XXXX account from XX/XX/XXXX. I told the guy I do not have an account with XXXX. I called XXXX on XX/XX/XXXX and I was told I do not have an account and do not owe XXXX any money. I want this account removed from my credit report immedialety because it does not belong to me
Complaint sub-issue: Debt is not yours

in XXXX i tried to buy a mattress and have it leased through acima. i never received the mattress and in that time i had also loss my phone number yet i still contacted acima telling them i never received the mattress and would not need to have it leased anymore. in XXXX i realized that it is still trying to be collected even though the lease wasn't needed and i never got the product it was intended for. they still wont remove it and say i still owe. I have contacted this company and the company i tried to get the mattress through and both were non-caring and very unhelpful, needless to say if it seems like a scam it probably is. The original company i tried to work with went under for fraud and a new owner is running the mattress " company '' he wouldn't have had to owe anything all he had to do was cancel the order to the lease firm. he would not do so for no apparent reason other than to make my life difficult and teach me a lesson. I just don't understand people anymore and dint want it to be this big of a deal but if the original person went away for fraud you think he would try to make the company look good, but like i said before if it looks like a scam it probably is,
Complaint sub-issue: Frequent or repeated calls

I have been getting phone calls from this number several times a day now for over 2 months. When I Googled this number, it comes up as a scam number -- high risk. Then last week, a ma n left a message twice on my recorder that he is attempting to collect a debt on behalf of Apelles LLC, but  the phone number he left to call back was  XXXX , not as shown on my call logs. I have no idea wh o this Apelles LLC is . I have never received any letter from a creditor informing me that this company has been retained to collect a debt on their behalf. I have filed a complaint with the BBB in  XXXX , OH where this company is headquartered and asked that they cease and desist in calling me and leaving messages on my recorder ( done last week ). I have not received anything back from BBB with a response from this Apelles. I do not have a private voice messaging center as caretakers have access to my recorder as I am in and out of the hospital much due to   XXXX   XXXX   XXXX  . The FDCPA prohibits debt collects from leaving voicemail messages when the voicemail is not completely private with others having access to voicemail messages. My caretakers took these  XXXX  voicemail messages left by this ma n ( no name left ) and are  now aware that I am having financial difficulties. Another call came in again this mornin g (   XXXX / XXXX / 17   ) which tells me that this company has not responded to the BBB ( if it is even this company making these calls ). I  am a very ill person with   XXXX   XXXX    XXXX  and can not tolerate such calls coming into my home numerous times a day. Again, I have not received any letter from creditors info rming me that Apelles has been retained to collect a debt. Any outstanding debt that I have has been addressed directly with my creditors and none of them have retained Apelles to collect my debt. It is enough that I have to deal with the massive amount of robo calls that are coming in every day from all over the country, let alone someone I do n't even know leaving messages on my voicemail about co llecting a debt. I have saved the messages that were left on my voicemail by this man ( again, unidentified ), and if this continues I will file for the {$1000.00} fine for each call that continues to come into my home.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Received bad information about your loan

Submitted ( PSLF ) XXXX proof of certification of employment for loan forgiveness ; and again on XXXX, but due to COVID the certification was dated XXXX. I was not denied in XXXX, but FedLoan said I did not qualify, must make 120 qualifying payments. I do qualify for loan forgiveness but am getting the runaround with FedLoan servicing. I did make payments since XXXX and worked for a public entity ( XXXX XXXX XXXX XXXX for XXXX years and XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
Complaint sub-issue: Their investigation did not fix an error on your report

Remove the accounts from my reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/24 citibank inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting citi bank to report it as fraudulent and was told nothing can be done.
Complaint sub-issue: Problem accessing account

In XX/XX/XXXX I reported to us bank that my wallet and all bank cards was stolen and asked that my account be put on hold. Well I finailly got a chance to go in a branch office in XX/XX/XXXX to take care of everything and I and I ordered new cards well us bank closed all my accounts even after I went in the branch location and the stole all my money in my account and all my refunds from XXXX and this is after I reported to them I had no access to my account at all since XX/XX/XXXX. I am hightly upset that this happened and something needs to be done about it