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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Complaint sub-issue: Information belongs to someone else

I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Complaint sub-issue: Reporting company used your report improperly

My information was stolen as part of the Equifax data breach during the summer of XXXX, which was first reported in XXXX, even though it was known internally at Equifax for several months. I have spent the better part of my day neglecting my job in order to find information on freezing my credit and other solutions that will prevent my identity from being stolen in the future. This has resulted in a decrease in hours, and a smaller amount of money earned.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Complaint sub-issue: Debt was paid

I was alerted that I had an account in collections as via a credit monitoring app in XXXX of XXXX. I then reached out the collections agency to find additional information on this debt. ( IC Systems was the agency ). The Debt was owned by XXXX for internet services dating back to XXXX of XXXX. I reached out to ask for verification of the debt XX/XX/XXXX. I was told by the XXXX rep that I would receive a bill via email. 2 weeks later I called again because no bill was received and the rep stated that the bill was too old to be emailed but could be mailed physically. I requested that and waited another 2-3 weeks, still no bill. I  called again early XXXX and was told that the bill was too old to have a statement sent. I then asked that a request be put in to remove the equipment charge because I turned the modem in when I cancelled service. At this time the rep also told me that the reason I never received a final bill is because the final bill was mailed to my address that I moved from. So now I have no proof that the bill is valid and I am also having to put in a request to have an equipment charge removed. I call XXXX back on XX/XX/XXXX and they tell me that the case was closed for the equipment and that the charge for equipment would be removed and reported to the collections agency. I called the collection agency a week later to see if this had taken place and it hadn't. I waited and called again on XX/XX/XXXX and was told ( on a recorded line ) via the collection agency that if I paid the service charges of {$100.00} that the debt would be reported as paid that weekend and that they would hold the equipment charge on their end waiting for verification from XXXX. The rep stated my balance would show as XXXX. This was a lie. Between that date and today ( XX/XX/XXXX ) I have spoken with XXXX  and IC systems at least 4 times each asking why they are not communicating back and forth to clear this from my credit. I wasnt even provided valid proof of the debt but still paid the balance. XXXX  says I owe nothing but IC systems says I still owe {$78.00} for equipment. It has been 60+ days and the agency ( IC Systems ) can not seem to update their system even though the debt is now paid in full. They continue to report the {$78.00} balance to the credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ XXXX XXXXXXXX XXXX stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by Equifax or XXXX or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my XXXX. # XXXX. Balance and High Balance listed as {$1000.00}. XXXX XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and XXXX XXXX
Complaint sub-issue: Account status incorrect

The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.
Complaint sub-issue: Investigation took more than 30 days

Unauthorized use of my credit report. Reporting incorrectly.
Complaint sub-issue: Their investigation did not fix an error on your report

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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

These are not my accounts nor did I authorize these companies to pull my credit. Please remove them.
Complaint sub-issue: Trouble with how payments are being handled

I have two student loans with fedloan servicing. 

One loan is a direct unsubsidized of XXXX, XXXX  and the other loan is a direct subsidized of XXXX, XXXX On Monday XX/XX/2019 I called to pay off my direct subsidized loan of XXXX, XXXX. I spoke to XXXX ID # XXXX. My confirmation number for my payment is XXXX. I made it clear to XXXX I wanted to pay off my direct subsidized loan of XXXX, XXXX. He said he understood. He told me it would take 2-3 business days to process. 

On Wednesday XX/XX/2019 I checked my online fedloan servicing account and the account said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. This is not what I wanted. I wanted to pay off my subsidized loan of XXXX, XXXX  and just have one student loan ; my unsubsidized loan of XXXX, XXXX I called fedloan servicing one again On On Wednesday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her of my payment on Monday and informed her I wanted to pay off my subsidized loan. She said she would reapply the payment. She informed me this would take 2-3 business days to process. 

On Friday XX/XX/2019 I checked my fedloan servicing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX  on my subsidized loan. I call fedloan servicing on Friday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her this was my third time calling. She said she would take care of the issue. I specifically informed her I wanted to pay off my loan of XXXX, XXXX which was my subsidized loan. I informed her I only wanted one loan of XXXX, XXXX which is my unsubsidized loan. She said she would take care of the issue. She informed me if would take 2-3 business days to process. 

On Tuesday XX/XX/2019 I checked my fedloan severing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. I call fedloan servicing on Tuesday XX/XX/2019 I spoke with XXXX ID # XXXX. This is the 4th time I call and waste my time. I informed XXXX the issue. He now informed me it would take 15 days to resolve the issue. 

I am not sure what fedloan servicing is trying to do with my loans. I have called 4 times and the problem is not yet resolved. 

It is easy On XX/XX/2019 I wanted to pay off my direct subsidized loan of XXXX, XXXX  This did not happen. 

I will never ever go back to college and get a student loan again. 

BEWARE OF FEDLOAN SERVICING
Complaint sub-issue: Information belongs to someone else

I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I 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 for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. 

However, the status of my account is still stated as a 'charge off, closed ' and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Discover ), that is reporting it that way. I contacted Discover to change the status but they have refused to comply. 

The original debt was {$7800.00} and the current amount owed is XXXX 

I am requesting that the Status of the account be changed to 'paying as agreed ' and the monthly reporting to read, 'On time '
Complaint sub-issue: Charged too much interest

My promotional interest rate on this is not correct. It should be 1.99 % it is not. I only recently learned of this while investigating my other card.
Complaint sub-issue: Debt was result of identity theft

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Debt is not yours

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Complaint sub-issue: Contacted you after you asked them to stop

After reviewing my credit, I noticed accounts that are unverified and accounts that do not belong to me. These accounts MUST be removed immediately if you ( the credit bureaus ) do not provide proof that these accounts were opened by me. I want a copy of the documents you used to verify the validity of these accounts. If you do not provide this information in the next seven days ( 7 ). YOU MUST IMMEDIATELY REMOVE THESE ACCOUNTS. 

Collections XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX Inquiries -Rise, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Web Bank/onemain/ Equifax, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL NEGATIVE CLOSED ACCOUNTS ARE IN VIOLATION
Complaint sub-issue: Their investigation did not fix an error on your report

I had an issue with a company ( BEST BUY/CBNA ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a zero balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that BEST BUY/CBNA had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called XXXX to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to XXXX  disputes center we are currently closed ''. Are my calls to XXXX  being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that BEST BUY/CBNA is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit.  Thank you for any help you can offer!
Complaint sub-issue: Company closed your account

I have recently received an email notification from Discover notifying me that they have decreased my credit line from {$13000.00} to {$500.00} and will close the account within 30 days due to inactivity and recent derogatory information reported by XXXX. Shocked by the information read, I subsequently pull my credit report with XXXX to learned about all the incorrect information reported on me. It appears that my mortgage servicer reported late and missed payments when I have been making prompt payment as agreed during the trial period of a loan modification. Not only did my loan servicer mislead me to agree on a loan modification that further increased my debt, they had also reported negative remarks to the credit bureau to prevent me from getting qualified for a refinance. After making several complaints, the mortgage servicer removed the missed payments but now I have Discover reacting on those false reports which make it very challenging to maintain the clean credit profile that I've worked so hard to maintain and build. I explained the situation to Discover Card but it was all too late as they claim the systematic decision irreversible and advised to apply again. As we all know, applying for new credit and having an old creditor like Discover since 2017 with zero balance suddenly close both have a negative impact to a consumers score. As a consumer that worked hard to maintain a good credit profile and earn a XXXX score isn't very easy, especially during this Pandemic. For Discover to further damage my credit with their account closure was unjustified especially acting on incorrect info. So now I'm a victim of both Discover and mortgage servicer, XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I was made aware that there had been a major security breach involving Equifax in which millions of consumers ' personal information were stolen. Equifax 's management 's involvement in the breach and Equifax 's subsequent actions following the breach have been atrocious. Security management practices at Equifax, a company responsible for the handling of all American consumers ' most vital personal financial information without the consent of those same consumers, were insufficient to guard against a major breach. Following the breach, Equifax 's executives chose to withhold this information from affected consumers for months, in spite of our rights to be informed of the mishandling of our personal information and lessening our abilities ' to immediately counter illegal activity. Equifax 's executives ' decision to withhold the information of the breach may also be attributed to their decisions to sell large amounts of their Equifax stock to personally profit knowing that Equifax 's stock would plummet once consumers and investors were made aware of the breach. Equifax has also chosen to continue to charge for credit freezes, which, despite individual states ' legislation deciding the rates credit agencies may charge to freeze credit, is at the discretion of credit agencies such as Equifax. Equifax 's ONLY response to the breach has been to make consumers quasi-aware if their information has been compromised with various vague messages and an offer to enroll in a free identify theft protection program ( also managed by them ) for one year, despite the consequences of the breach extending for a lifetime. Overall, I, and the millions of consumers affected by Equifax 's mismanagement of our most vital financial information, are incredibly dissatisfied with Equifax 's actions related to the breach.
Complaint sub-issue: Old information reappears or never goes away

I had closed down the account that I had with them after I paid off the card, but they reactivated the account without my permission, and also reported on my credit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Called XXXX XXXX on XXXX/XXXX/XXXX concerning return of an over payment of XXXX, customer service representative took down my routing and account number from my checking account and mentioned that I would have the money credited back to my checking account within XXXX business days. As of today XXXX/XXXX/XXXX the money has not been returned to my checking account. 

XXXX/XXXX/XXXX I spoke to a second rep from XXXX XXXX XXXX XXXX XXXX who informed that an investigation would be started and that this process could take another XXXX to XXXX business days to investigate. This form of business is unfair to the customer especially if the situation was turned around and I had owed the money.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, NCD FINANCIAL acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.