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

I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all three credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with five others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the five others that they can not validate be removed as well.
Complaint sub-issue: Information belongs to someone else

XXXX acct no XXXX is fraudulently appearing on my equifax  and XXXX reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX and XXXX, account # XXXX, amount {$2600.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Complaint sub-issue: Information belongs to someone else

The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I never applied for or had any account with XXXX XXXX XXXX or XXXX XXXX   XXXX.
Complaint sub-issue: You never received your bill or did not know a payment was due

I opened my Home Depot CC on XX/XX/XXXX and bought {$2900.00} worth of material for my house on a 0 % for 24 month offer. I made the minimum payment in my statement until I knew I was going to pay it all off in full before the due date XX/XX/XXXX. Because I was naive to the fact it was mandatory to pay the minimum I was late paying in XXXX, XXXX and XXXX. I paid the card off In full in XXXX. It was an honest mistake and my first 60 and 90 day late payments on my credit report. I 'm asking to get those removed so my score goes back to normal so I can renew my business with Home Depot. Thanks!
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.
Complaint sub-issue: Public record information inaccurate

I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE XXXXXXXX XXXX XXXX # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO CITIBANK IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY XXXX XXXX XXXX XXXX AND ATTORNEYS XXXXXXXX XXXX XXXXXXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE
Complaint sub-issue: Account status incorrect

XX/XX/XXXX See attatched Credit Reported by XXXX OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. XXXX CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. XXXX OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) MC end XXXX now deliquent 2 ) Visa XXXX ID THEFT case XXXX 3 ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.
Complaint sub-issue: Their investigation did not fix an error on your report

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. As a result, I disputed this identity fraud with this company on XXXX, and even filed with the CFPB on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the  Fair Credit Reporting Act to proof my case. 

But until now, this company says the account is not showing but it is with just a few variations now. as I am writing to you, this company is still reporting this fraudulent account contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need to be removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened - XX/XX/XXXX I am attaching the dispute letter/documents I sent, Equifax response and my small claims forms, in case they need to reference or review.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Complaint sub-issue: Information belongs to someone else

On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. Consumer portfolio dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my equifax I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and equifax also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report
Complaint sub-issue: Information belongs to someone else

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

The following companies XXXX XXXX XXXX  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Complaint sub-issue: Unexpected increase in interest rate

Dear CFPB Repr. 
I believe Citi Bank is involved in misleading customers about paying off promo balances. Couple weeks ago I made {$3000.00} payment that should have been gone towards my upcoming high rate balance transfer that was expiring in three day and now is charging me 19.9 % instead they applied that time 0.99 % balance that is expiring next year. 
I believe this very unfair practice and wonder if it is even legal. Please let me know. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

As you are aware, on XXXX XXXX, 2017, Equifax disclosed that it did not properly secure financial data of millions of Americans and as a result my information was improperly accessed by third parties.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information which has led to a breach that puts myself and the majority of Americans at potential risk. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

As a result of this security breach, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Can't decrease my monthly payments

I borrowed money in the form of " Parent Plus '' loans through the Federal government and Great Lakes for my son 's college tuition since the school said he did not qualify for loans based on his own merit. After graduating five years later, my son ( technically I ) had accumulated over XXXX in loans and interest spread out among XXXX different " government backed '' lenders who all wanted separate payments or I could consolidate the loans on an income based plan which would be a smaller payment my son would have to make through me since he still did not qualify to hold the loans himself. Maybe in the fine print somewhere on page XXXX of the novel of a loan agreement it said that the loan would no longer be a true school loan with all the low interest benefits, but I did not know that at the time of refinancing. Now we are paying 8 percent interest on a modified government backed loan. How is that justifiable morally. The price of his education at the Colorado XXXX XXXX XXXX did n't yield an income representative of the hugely inflated cost he is paying and to add insult to injury, my lower income makes it impossible for me to refinance the loan with a lower interest rate.
Complaint sub-issue: Information belongs to someone else

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Complaint sub-issue: Problem getting my free annual report

Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. 

This is simply an attempt to avoid providing a free annual report.
Complaint sub-issue: Information belongs to someone else

I've filed multiple disputes on accounts that aren't mine due to ID Theft.
Complaint sub-issue: Account information incorrect

I had submitted a complaint against this collections creditor that is reporting on my credit reports. I had sent them a request for full validation and to date, they had not responded to me with the information that I am entitled to receive according to law. The Consumer Finance group just sent a reply to the complaint I made, which was XXXX. They just said this company would respond to the complaint directly by mail since they could not figure out who I was. I don't know what other information they would need. In the complaint, I submitted my information, my date of birth, last 4 of the social, which is way more than they have already. I also provided the registered mail / return receipt from the letter I had sent them to obtain validation of this debt. Their answer is generic and incomplete. The basis of the complaint is that they have not mailed me all of the items required by law. Why is the complaint closed. They not only have not provided any answers on the debt but did not answer the complaint. The reason for the CFPB is to protect the consumer, when a credit or finance company is not following the law. This complaint needs to remain open and this creditor needs to answer the initial complaint, which is XXXX
Complaint sub-issue: Charged too much interest

I did a promo with home depot with 6 months no interest rate, didn't know I had to pay the whole balance in order to get the promo, now they hit me with an outrageous interest rate because I didn't pay within 6 months please help with the outrageous add-on interest rate charge
Complaint sub-issue: Account status incorrect

The above referenced account is currently reporting to my Equifax credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt. 

XXXX Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my Equifax credit report. XXXX has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. XXXX is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. XXXX and Equifax refuses to delete this inaccurate and inconsistent information from my Equifax credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached Equifax reports showing the conflicting reporting by XXXX.
Complaint sub-issue: Investigation took more than 30 days

I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, XXXX XXXX, and Equifax XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint on Equifax complaint # XXXX. No where in that complaint did I say anything about inaccurate information in my credit file. Yet this was their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 
They did not even read the complaint. They could not have and responded like they did. My complaint was about Equifax denying me my right to view completed dispute results. Wow. They did not even read my complaint. The results of many of my disputes are available online but I have no way to access them. My complaint was pretty clear. wow what a waste of time.
Complaint sub-issue: Their investigation did not fix an error on your report

5TH COMPLAINT ABOUT INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT
Complaint sub-issue: Account status incorrect

Information on my credit report is showing up inaccurate. This is not fair to me because i can not obtain credit due to the fact that the bureaus are all reporting different dates on these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was result of identity theft

As of XX/XX/XXXX, I received a letter for someone named " XXXX XXXX XXXX '' from XXXX at my old address concerning a reference to a bill for service and the demand to return XXXX equipment. Seeing as my name is not " XXXX XXXX XXXX '' and I've never had XXXX, this was a rather big problem. Also, the fact that they mentioned an email with no connection to me tipped me off as well. I ignored it and continued with my life as usual, believing it to be spam. This was a mistake. 
On XX/XX/XXXX, I received another letter ( also for XXXX XXXX XXXX ) from XXXX XXXXXXXX XXXX on behalf of XXXX XXXX concerning a balance of {$780.00} that I was expected I pay. I called them at the number provided and filed a fraudulence claim and was told they would rectify it. 
I heard nothing for two years and assumed it had been resolved. 
On XX/XX/XXXX, I received another letter ( for XXXX XXXX ) concerning the supposed debt to XXXX via a different debt collection service called ERC. ( see attached ) Please help me conclude this issue.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On  XXXX   XXXX  of    2017  I was double charged {$660.00} for an enterprise purchase in  XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''