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

I have written to Loancare about this issue multiple times as well as called them. Loancare continues to report incorrectly to the credit bureaus. With the last complaint to the bureaus the solution was to simply list our home loan as currently on time. This is not the fix Loancare needed to report. After we finally were allowed to get out of forbearance ( we were denied multiple times by Loancare ), we completed the forced three-month trial period after the forbearance program, those months were XXXX, XXXX and XXXX of XXXX. These payments were to be made on time and in full in order for Loancare to redirect the missed payments to the end of the home loan. The first payment was XX/XX/XXXX. XXXX, XXXX and XXXX of XXXX were all paid IN FULL and ON TIME, with receipt confirmation and yet Loancare has reported all of those months as 30 days past due to all three credit bureaus.We entered the forbearance program because our household went from two and half incomes down to one, we called Loancare to get advice as to what the best choice would be for us to not lose our home. We were told the forbearance was an option, we could get out of the program as soon as we were able to pay the mortgage with no issues. We were told Loancare would send the credit bureaus a non-report notice each month until we were out of the program. I have over 20 calls to Loancare over the last year and a half. This program was a disaster. Each time I called I was shifted around to different departments, I spoke with multiple managers and supervisors, they each had different answers to the same questions. Our mortgage was reported late for over a year. We were told while in forbearance it would be a non-report. I have contacted Loancare directly about this issue multiple times. I am given different answer, and different reasons why the reporting is not being corrected. None of which are the same employee to employee. I have documented payments that are on time and in full that Loancare has reported as 30 days late ( whether they were paid in full or not during the forbearance ). We still paid as much as we could while in forbearance, some months in full, some what we could afford but all of these payments were not required because we were in forbearance. Loancare still reported as late every month. We would not in a million years have chosen to take part in a plan reported us late for over a year. This issue has ruined my credit. I am willing to take whatever steps needed to get this corrected. I am trying to refinance my house but because of the incorrect reporting I am unable to do so. I need help. I have contacted every other government site and company I can think of including two lawyers. I need direction and help to get this issue resolved. Thank you. 
**Attached are all of the payments that came out of my account, the other owner has the payments from XX/XX/XXXX to XX/XX/XXXX ( he has since moved out of the home )
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and have applied for the XXXX  discharge months ago. My balance keeps going up with no explanation and negatively being reported on my credit report when I don't even have a payment due! I have submitted all of my letters from Social Security XXXX  to Nelnet to prove this.
Complaint sub-issue: Account information incorrect

Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.
Complaint sub-issue: Problem with the interest rate

Requested SCRA benifits on XXXX XXXX from Flagship Credit Acceptance for and auto loan that I had through the company from XXXX to XXXX @ roughly a 19 % interest rate. I have been XXXX XXXX since XX/XX/XXXX and currently still XXXX. Request was submitted for the Key provision State of XXXX  which is my home of record and still is my legal residency. No updates on account outside of " still under review '' for 90 days with no correspondance. More than the minimum required documentation was submitted to the company on two occasions.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a Citibank double cash credit card account about two years  ago. I called Citibank and was told my promotional 18 month 0 % APR on my balance and balance transfer was expiring. 

I asked if I were to close that account and reopen a new double cash credit card would I receive the same offer. I was lied to and told that I would. It didnt become apparent to me until this month that Ive been charged interest. This is something the representative very specifically said would not happen. 

I was lied to. I dont appreciate it. The best the representative said she could do for me is a one time courtesy credit, I accepted that as a good faith measure but I feel that Citibank can and should do more.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I am having issues with my Cash App Account that my SSA direct payments go into, which can not be resolved by Cash App or their Support Team. On several different occasions money has been paid out of my account for purchases I never authorized or received. When contacting Cash App Support via phone or through On line chat I was informed that, Cash App has no information on the Merchant 's Information for me to contact that was paid out of my account. Therefore making it difficult for me to dispute transactions or be reimbursed for the Fraudulent charges taken out of my account. When disputing transactions I was denied being reimbursed for funds taken fraudulently, although it was clearly a glitch within " Cash Apps platform and not on my part. Here are the dates and charges that I have never been given any information on to dispute with Merchant 's or was denied being reimbursed for : XX/XX/2022 XXXX payments made with only XXXX pin verification code entered for & XXXX twice at exactly the same time XXXXXXXX XXXX although Cash App doesn't offer that type of payment being made in their system. XX/XX/2022 paid {$90.00} to fraudulent person claiming to be my Sister on Messenger needing Xmas money for my XXXX XXXX XXXX XXXXXXXX Stated her Cash App card was lost and could I send through her friend 's account which I did. Found out she had been hacked and person posing as her along with other people 's identifies, to steal money through Cash App platform. I alerted Cash App Personal immediately to Scam yet never heard anything back about the Scam or received my money transferred to fraudulent account within the Cash App. Structure. XXXX XXXX {$100.00} paid XX/XX/2022 without my authorization, XX/XX/2022 XXXX XXXX paid {$100.00} without my consent don't even know such a person. Was told my pin was entered at time of payment, therefore I am responsible although I didn't know that person or send the payment with my knowledge. Those are just a few out of many others that have been paid without my consent, knowledge or authorization. Are these common practice 's of all Financial Institutes or are they in violation of the laws that the FDIC and OCC have put in place in order to protect consumers from these type of practices?
Complaint sub-issue: Account status incorrect

There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX
Complaint sub-issue: Information belongs to someone else

In applying for a new XXXX XXXX credit card, Equifax credit report informed me of {$11000.00} outstanding balance from a XXXX  XXXX XXXX credit card that I never opened. The card is >120 days past due. This has decimated my credit. I never did any business with XXXX XXXX XXXX, ever. I never opened a bank account, debit card, or credit card with them. I don't even know where they are located and never been to any XXXX  XXXX XXXX location. My banking in the last couple years has been with XXXX, XXXX, XXXX online, and now XXXX. Equifax has reported this as fraud and advised me to file an FTC complaint. I received a letter from XXXX XXXX XXXX a couple months ago about an outstanding account and called them to dispute. Once I got to a reputable person, they said they had no accounts with my information and I agreed I never did business with them. I never received another letter. Something is very wrong, this is fraud of some kind. The last 4 digits of the false XXXX account is XXXX per Equifax. My Equifax Confirmation # is : XXXX -XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

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. Upon reviewing my updates, incorrect information was still found in my reports. The Equafax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX-Balance {$0.00} XXXX XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance {$3900.00}
Complaint sub-issue: Reporting company used your report improperly

Account # XXXX has been reporting to my credit profile for the past several months and even has payments that I never made. The account was also closed but was reporting as current and up to date payments but again I never paid on this account because I was not aware of it. According to the Fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report.15 U.S.C 1681 section 602 A. state 's 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 my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt No one can provide me proof of who the original creditor is, but they want me to pay it. I sent certified letters back in XXXX XXXX asking for proof and yet ; they still fail to provide the information. I am feeling harassed and beaten at this point because I have tried everything. Please help me figure out who this creditor is reporting this inaccurate information so I can have it removed. The bureaus are not doing a proper investigation with this account because no one knows who the original creditor is ; not the debt collector, not myself and not the bureaus. This sounds like ground for removal. They are mailing e constantly and calling from different numbers asking me to pay a debt I know I don't owe.

Debt collectors may not harass you or anyone else, over the phone or through any other form of contact.

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor
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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not yours

this is company is reporting a debt that is not mine on my credit bureau I have ask several times for them to remove it and they refuse.
Complaint sub-issue: Account status incorrect

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXXXXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXXXXXX XXXX XXXX credit reports. 

The XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Complaint sub-issue: Reinserted previously deleted info

The university double charged for the same courses and applied to credit account. without communication to allow for default or forbears.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XXXX by Remitly is a debit card for immigrants. I am in US, my husband in XXXX. We both obtained XXXX Debit cards that I could load from my US bank acct to the cards so my husband could withdraw funds in XXXX. I typically deposited small amounts. In XXXX ( posted XX/XX/XXXX ) I deposited a large amount {$500.00} and {$300.00} as he urgently needed the funds to pay for lodging and food as we await his US Visa. XXXX  FROZE AND LOCKED both our cards stating they did not have to tell us the reason. They now have approx {$850.00} from my husbands account ( XXXX XXXX ) and I think {$42.00} in mineI can not see amounts as they have locked the app on me too. I have written and called and chatted with their custoner service teams multiple times daily they only say we will call you back in 1-2 hours, but NOONE EVER CALLS. I have spoken MANY times MANY HOURS on the telephone and they say they will escalate to supervisor who will call me in 1-2 hours never any calls back. I went in their XXXX page Remitly to seek help and see this is happening regularly to MANY PEOPLE, They respond in a XXXX telling you to write their email which is again a scam! I need my money back!! Please help!
Complaint sub-issue: Their investigation did not fix an error on your report

unauthorized use of my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a few inquiries on My report I do not recognize
Complaint sub-issue: Was not notified of investigation status or results

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, Equifax and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I was present during the opening of a business checking account at BBT. The account manager talked to us about their new credit cards and asked if we would like to get a credit card along with the new checking account for our business. We told her we would consider it late but then days later I noticed not one, but two credit pulls on XX/XX/2019 and XX/XX/2019 by BBT. I called and asked them to remove the inquiries as we did not apply for any credit cards. They told me they were removed, but on review of my credit report the inquiries still remain.
Complaint sub-issue: Information is missing that should be on the report

There are two addresses on my credit report which I have never lived there in my life before
Complaint sub-issue: Problem lowering your monthly payments

I have Student Loans from Nelnet when I was attending XXXX College in XX/XX/XXXX to XX/XX/XXXX in XXXX, OR. My monthly payments was approximately {$500.00} a month. My loan started off with {$35000.00} and now it has increased to {$46000.00} from all the interest and late payments I been struggling to pay. I have recently fell in a financial hardship and it has been difficult to continue to pay the loan even though I entered into forbearance. I have also recieved an email about XXXX college being sued for false marketing and advertising. It mentioned they were going to try to remove anything that negatively affected my credit report and I am not required to make any other payments. I am still being billed for the interest on the loan. XXXX College In XXXX shut down and I am not able to contact the campus as they failed their students on their promises before enrolling. I have already communicated with the lender and FASFA and I have not recieved a response and it's been longer than 60 days. I was young and did not have a lot of knowledge on schools, loans, and credit.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/2018, I sent an initial letter requesting them to remove specific credit inquiries that I believe were placed without permission. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up email referencing XXXX v XXXX, again asking them to investigate and remove inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/XXXX stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( Sears, XXXX and Best Buy ) accounts, 2 ( XXXX and Best Buy ) have been removed and 1 ( Sears ) remained. The account was opened in XXXX for a Sears credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.
Complaint sub-issue: Investigation took more than 30 days

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE
Complaint sub-issue: Account information incorrect

I was a victim of fraud. My credit card through citibank was used without my permission or consent. The thieves ran up my credit card to a little over XXXX even though the limit was XXXX. I contacted the creditor immediately after I filed a police report. There is a police case regarding this case. Citibank ruined my life by allowing obvious fraud to continue for months. And now they have me in collections because of their own incompetency. It shouldve been a red flag to them when there were shopping sprees. My credit is bad because I trusted them.
Complaint sub-issue: Information belongs to someone else

I have reached out to Equifax numerous times on the errors of my credit report and this has impacted myself and my household in a negative way. I have sent certified letters, called numerous times, and never get a response. The major concerns affected me getting a house for my children and myself, all because Equifax never deleted the erroneous accounts on my credit report, instead they add a statement without my consent that says Consumer Disagrees when there are items that are on my report not only do not belong to me, but dont even have the same name or address as mine. I was also a victim of fraud and also sent over my police report to Equifax with no result of theme doing research. I called in a few days ago and was transferred 6 times until I finally got on the phone with an agent who claimed they never got my letter and that the error could be due to me not having three digits of the 9 digit zip code? even though the last letters i sent were on XX/XX/XXXX. I have never had this issue before. I was also the victim off the XXXX Equifax data breach. The rep told me on the phone that even if the name and address of the account do not belong to me, and the credit claims its my social security number, then it stays on my report. I have been disputing this information for years, and yet, this burden persists. immediately.