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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

Its now over 60 days and no sign of investigation on XXXX XXXX Accounts are unknown and not reporting correctly, no information given as well.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.
Complaint sub-issue: Information is not mine

My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors. 

I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Several of weeks ago I asked for validation of an alleged debt owed to  XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX    I received letter  (  attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the  Fair Debt Reporting Act ( F CRA  ),   proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that 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.

15.U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Frequent or repeated calls

this company is calling me for a dept that is not mine they call my sister and get my adress from her they call me many time and i teell then to stop calling me ... .i have all my credit card and i never been late in my payments ... i have no idea where they have all the information from probably that was from my father with my same name but i m not resposible for this bill ... my father past away around 15 years ago ... this same problem i have few years ago ... please try to help me they are driving me crazy ... also if that belongs to my father ..here in florida we have 7 years statue of limitation ... please try the ebst you cant to stop this people botherdme ... 

Thanks XXXX XXXX XXXX Here enclosed you find the last letter that i received
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent a certified letter to EQUIFAX disputing the accuracy of account XXXX XXXXXXXX # XXXX due to inaccurate dates and payment information. EQUIFAX stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate payment history listed on the account. This is a violation of the FCRA since I never received credit or services from this company ( XXXX XXXX ) and thus a payment was never made. Also, the " Date of Last Activity '' is innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.
Complaint sub-issue: Information belongs to someone else

the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and inquiries
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX  confirmed on the same day that they had yet to hear from XXXX. 
We followed up w XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w XXXX  Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that XXXX  credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a holder of 2 XXXX XXXX Credit Cards. One was a XXXX XXXX Credit Card that I had for 23 years, the second a XXXX Card. Last XX/XX/XXXX my sister was involved in a very severed car accident and nearly died. At the time I spent several weeks at the hospital attending to her. When I realized that on the XXXX XXXX XXXX account which the terms are pay the full balance at the due date, I missed my XXXX payment with XXXX XXXX and was getting close to the 30 day past due mark, which would affect my credit report. I called the customer service line and I explained the situation that I was involved in, asking for either and extension or a payment plan, as long as I did not have to worry about my credit reporting getting affected, otherwise I could borrow the money from a family member and take care of it. The customer service rep from XXXX XXXX assured me that my credit report would not get affected and in fact I could schedule payments but to try to pay it as quickly as possible. At the time of the call near the end of XXXX XXXX, my balance was nearly {$4500.00}, I advised to him that I could pay {$1000.00} and break the difference in 2 more payment for the next 60 days, with the undersanding that my credit report would not be affected. He insisted that as a good faith I should make a payment for {$1500.00} and make the second payment a small one of {$500.00} to be in the safe side. and the rest could happen after. I agreed on his proposal and went ahead on scheduling 2 payments over the phone for {$1500.00} around XX/XX/XXXX and {$500.00} on XX/XX/XXXX. the difference would be paid in XX/XX/XXXX. Which I did on XX/XX/XXXX were I paid {$2600.00}. A month later I get notified by a credit report alert that not only XXXX XXXX hit my account with a 30 day late payment they also hit it with a 60 day late payment causing my credit score to crash. I called at least 5 times during the month of XXXX, spent several hours, escalated the issue to have those late payments removed from my credit report and was assured in each call that they would look for the recordings and get back to me after an investigation but never did. Time after time, the next call was to report that no one from XXXX XXXX got back to me with the findings of their investigations, and the next call became a new investigation wihtout a resolution. After a year has passed I have called again and their answer was the probably I spoke to customer service representatives located out of the US, and probably they dont understand our laws and that nothing cant be done to over turn the reporting they provided to the credit bureaus. At this time I am reaching out to you to help me try to rectify this injustice about how XXXX XXXX conducts business and how they mislead their customers into believing that everything will be fine as long as we work together. I need those 2 marks remove from my credit report as it is affecting my chances to secure financing for my first home. Please advise as what do I need to do. Thank you
Complaint sub-issue: Other problem

I am a XXXX and XXXX  in XXXX  California, I have a family of XXXX, I love this country. There has been an alarming issue arising with Citibank and XXXX XXXX XXXX over the recent months, according to congressional reports there appears to be a policy adopted by these corporate giants to restrict use of their financial services in the purchase of firearms. This discriminatory practice is alarming to me as a citizen of this counrtry and as a gun owner. To think that these banks, which were bailed out with our tax dollars, now seek to perform some sort of social engineering by infringing on our rights is disgusting. I know there are actions in Congress aimed at this phenomenon, I would just like to officially register my complaint that this audacious attempt by corporate giants to control citizens is outrageous.
Complaint sub-issue: Account status

These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.
Complaint sub-issue: Fee problem

I had submitted several payments anywhere of 10-12 payments to XXXX bank XXXX and key kept fluctuation what funds I had available or not, while not showing me what was coming out to be able to maintain not getting any fees, everytime I thought I was done, I got more fees. My new bank XXXX shows me when a check in pending, thats right a paper check! So not being able to see any ACH or anything is stupid and just allows them to collect more fees! 


Also they have my account locked out online so I cant log in OR even recover it to try and give exact figures. MADNESS!
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX & XXXX ( Original Creditor : 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 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: Account information incorrect

My credit report with XXXX XXXX XXXX XXXX XXXX is showing that i owe a balance to XXXX state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to XXXX   XXXX this is not accurate and they have not yet updated this information
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

Checked my credit report and noticed it was a account opened wit my social security number and different name ( XXXX XXXX ).
Complaint sub-issue: Information belongs to someone else

I ordered 3 credit reports on XX/XX/18 from annual credit report. XXXX amd XXXX reports were complete and available to view online. The Equifax report I received was someone elses report not related to me at all. This was NOT a mixed or merged file, I was sent a 62 page report with confidential information on it with someone elses name and personal information. 

I called Equifax and reported this twice. I was told We are sorry for the inconvenience. I am concerned about the breach in security and wonder what happened to my report. 

Please see file attached with the wrong report received. 

Equifax has been non responsive. I have also reported this to XXXX XXXX XXXX  via their online contact form.
Complaint sub-issue: Information belongs to someone else

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Complaint sub-issue: Account information incorrect

XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  This  inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Complaint sub-issue: Debt was paid

I was contacted by IC Systems on the behalf of a debt I owed to XXXX XXXX. I negotiated a " pay for delete '' agreement and have since paid the debt. It was paid XX/XX/XXXX. XXXX XXXX has since posted a negative hit to my credit report as of XXXX. I want this removed immediately as the debt has been satisfied.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
XXXX XXXX XXXX is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

PNC failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX pnc reported that I didn't pay the loan payment on a vehicle that I didn't even own.