Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Complaint sub-issue: Trouble getting information about the card

On XX/XX/XXXX I was to receive {$790.00} ( retirement ) and on XX/XX/XXXX {$770.00} SSI. Once my SSI was deducted I received {$23.00} as my monthly SSI/XXXX  payment. This left me awaiting my retirement money which I am told is on a different debit card with a different card number. I have tried and tried to call DirectExpress and resolve this issue and I get nowhere. They say they need to transfer me to someone else and every time it only gives me the original menu for the wrong people. 
I have been able to find out that the retirement card starts with XXXX and ends with XXXX. Also I have an account number XXXX and possible tracking number of XXXX. I have this info but I can't even get to talk to someone to use it.. I have tried for nearly a week.. It's possible it got sent to an old address.. I called there and they don't have it or it may have been sent back. BUT again, I can't talk to someone to do a search or tell me something tangible. I really hope your agency can help me.. My rent is over due and I'm looking at being homeless which scares me.. Thank you!!
Complaint sub-issue: Information belongs to someone else

To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( XXXX, XXXX XXXX Equifax ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thank you!!
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CITI Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Debt is not mine

My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call. 

Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX. 

A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.
Complaint sub-issue: Information belongs to someone else

FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG TO ME
Complaint sub-issue: Problem getting report or credit score

I applied for a home improvement loan with XXXX XXXX Bank. They denied my loan stating that EQUIFAX did not have a credit score for me because I did n't have enough credit history for them to calculate a score. I have had a mortgage since XX/XX/XXXX, and have refinanced a number of times, the latest refinance was in XX/XX/XXXX. I had a problem when I went to help my son buy a car in XX/XX/XXXX. According to the car dealership EQUIFAX had no record of me. I did the online dispute with EQUIFAX ( THEY HAD MY NAME SPELLED WRONG ) Confirmation # XXXX They corrected it and I thought everything was ok until I applied at XXXX XXXX for this loan Can you help me?
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Acct # XXXX Amount {$1800.00} XXXX XXXX Acct # XXXX Amount {$54.00} XXXX XXXX XXXX Acct # XXXX Amount {$1200.00} XXXX XXXX Acct # XXXX Amount {$110.00} XXXX Acct # XXXX Amount {$450.00}
Complaint sub-issue: Can't temporarily delay making payments

Good morning, I am writing in regards to my public loan forgiveness account ( XXXX XXXX XXXX ) payments. I received a letter on XX/XX/XXXX with the audit after I sent a complaint into my attorney generals office. I am still following up on its inaccuracy a year later. I contacted XXXX XXXX, listed on the letter, I spoke with him on XX/XX/XXXX and requested an additional audit on XX/XX/XXXX. I have followed up with him multiple times ( at least 6 times ) since then for an update. 

I received an update on my qualifying payments in my account on XX/XX/XXXX stating I have made a total of 50 qualifying payments but it should be 59 qualifying payments. I was employed at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made qualifying payments throughout employment minus 2 months of deferment to switch payment plans ( another frustrating fact ). I used an education award starting XX/XX/XXXX that was supposed to be split up into qualifying payments. I called and confirmed this was allowed before I submitted the award and was ensured it would be split up into payments. The payment is showing up on my account but as one lump sum payment instead of being spread out into monthly payments. 

Currently my balance shows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX It should be : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I contacted the office of consumer advocacy on XX/XX/XXXX to follow up to my complaint. I was notified that they could not help and advised to contact the studentaid.gov ombudsman. I contacted the ombudsman on XX/XX/XXXX who then directed me to contact the Education departments ombudsman. The Education departments ombudsman was unresponsive ; therefore, I contacted the studentaid.gov ombudsman again on XX/XX/XXXX. 

Student aid.gov Ombudsman XXXX XXXX/Education Dept. Ombudsman XXXX Case # XXXX, I received an email on XX/XX/XXXX stating the lump sum could not be applied. 
I emailed back on XX/XX/XXXX explain I was given false information and made a decision based on this false information that I would not have made otherwise. It just doesnt make sense. 
I received a follow up email on XX/XX/XXXX denying the claim again. 
I called the student aid ombudsman again on XX/XX/XXXX and spoke to XXXX. She referred my call back to the case worker to review my request and call me back. 

I have made payments every month since I started the program and recertified my employer every year since I started XX/XX/XXXX, except for three months of deferment ( XXXX ) to change my payment plan. I should have 78 qualifying payments as XX/XX/XXXX. 

The amount of time I have spent on calling, and writing letters and emails on this issue is insane. This program has been poorly managed and false information has been give hurting everyone who is enrolled. I have been a public servant for over 7 years and would like to be able to use the benefits of this program without the added stress in has caused me. Please provide a response. 

Thank you for your time, XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

Contacted Equifax, XXXX & XXXX regarding unauthorized inquires on my credit report from XXXX. Transunion removed immediately. XXXX removed XXXX. Equifax stated I have to contact XXXX directly for removal if I consider inquiries fraudulent. Sent letter to XXXX as directed. XXXX responded stating I have extended alert on my credit file but no response regarding removal. Sent letter response to Equifax and Experian and still refuse to remove. Sent additional letter to XXXX. No Response to date.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX shouldn't be reporting on my credit report as they haven't submitted validation of that. They have also stated that this be removed off of my credit report. XXXX and XXXX has removed it but Equifax is still reporting it.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Complaint sub-issue: Account status incorrect

incorrect information reported. 

Don't have a XXXX XXXX XXXX XXXX as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
Complaint sub-issue: Banking errors

I was the victim of identity theft and am unable to get a response from PNC Bank about the fraudulent accounts that were opened, or the fraudulent documents they accepted to open the accounts in my name. 
In early XXXX, 2022 I received what I thought was marketing credit card offer from PNC bank. 
On XX/XX/2022 I received a letter from PNC Bank stating that I had opened 3 Consumer accounts with PNC Bank. I did not open any accounts with PNC. I called PNC immediately. During the phone call I was told that I could not get any information on the accounts unless I gave my SSN or an account number. The letter I received only had the last 4 numbers of the account number and given the nature of the call, I would not give my SSN so the representative could not look up the accounts. She told me I could take the letter to a PNC branch, however there are no branches in my area, only ATMs. I determined that what I thought was marketing was actually a credit card that had been opened in my name. I gave the representative that card number. I was told that the information would be given to the fraud department and I would receive a call back in about 48 hours. I did not hear back from the fraud department and on XX/XX/2022 started trying again to reach PNC to discuss the matter. 
On XX/XX/2022 I received a letter from PNC Bank to confirm my address change. I did not make any changes. I called PNC again multiple times. Due to long wait times, I was unable to talk to anyone until XX/XX/2022. During this call I was given the direct number for the fraud department. I have called the fraud department multiple times and have never been able to speak with a representative. I left a voicemail on XX/XX/2022 and to date have not received a return call. I also wrote a letter on XX/XX/2022 requesting confirmation that the accounts have been closed. I understand it is too soon to get a response from the letter, but the lack of response to my phone calls is extremely troubling.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 

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

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

I had a loan for a XXXX XXXX that was financed by XXXX XXXX XXXX XXXX it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. XXXX XXXX was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the XXXX XXXX - however, XXXX XXXX shows that I was past due on the account which is untrue and false.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Today I receive a message from XXXX XXXX about my credit score was hard inquire in XXXX report and my score get dawn XXXX point, and XXXX get dawn XXXX point in my credit score, those inquire was make for the company CORELOGIC CREDCO, XXXX don't have any information reported by this creditor, but XXXX give me a phone number XXXX, I try to call a several times but this number don't working. I don't know who is this creditor, I don't authorize any inquiry from none in the past 9 month, for this reason, I don't have idea how they access to my social number or any information about me, its a fraud, I don't know who they are, don't have my permission for nothing, I have two years working hard to increase my score credit this inquiry cause a terrible damage over my record, I need this situation must be cleared soon as possible. Thanks
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute regarding the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : XXXX
Complaint sub-issue: Account information incorrect

Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that? 
Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time. 
Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Complaint sub-issue: Reporting company used your report improperly

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations XXXX that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX  branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice XXXX approved online accounts to be opened. 

I am adding Equifax and XXXX to the complaint for notification purposes.
Complaint sub-issue: Information is missing that should be on the report

please see prior attempt for sumission of information. I will contact my lawyer to dispute this XXXX  suspension.