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

On XX/XX/2020 I was notified thru credit cards that my credit score had dropped roughly 240 points. I proud myself on my credit rating. It was identified that I was reported by Nelnet student loans that the reported me being 90 days late on payments. I was current and called Nelnet the following day. The customer service rep said I have been notified as current every month and that I would need to report this to every individual credit agency. I have a late payment on my mortgage which I disagree with but I will except. I have had a credit score over 740 for as long as I remember and want this taken care of. Any help is appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

MY EQUIFAX CREDIT REPORT SHOWS THE WRONG BALANCE FOR MY XXXX XXXX XXXX XXXX XXXX VISA ACCOUNT. I HAVE ATTACHED A COPY OF THE ACCOUNT STATEMENT SHOWING A XXXX BALANCE DATED XXXX. 
PLEASE UPDATE THIS INFORMATION.
Complaint sub-issue: Frequent or repeated calls

Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.
Complaint sub-issue: Information is not mine

Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( Equifax ) are 1. XXXX -XX/XX/XXXX 2.XXXX -XX/XX/XXXX XXXX. XXXX -XX/XX/XXXX 4.XXXX XXXX XXXX - XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

I need to dispute 3 transactions made with my debit card from Bank of the west. I tried to report this to my bank but hey closed my account a couple of weeks ago, and Im not in the US right now to do it at the branch. So they denied the opportunity to report this charge back request.

transaction 1 : XXXX XXXX ( I cant check the exact dollar ammount because I dont have access to see my statements ) made on XX/XX/2022. I should received this on XX/XX/XXXX transaction 2 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX transaction 3 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX I tried to reach the merchant several times without any answer, and they never respond the emails I sent to them
Complaint sub-issue: Debt was result of identity theft

I have received numerous letter for collection regarding a debt I do not owe for {$480.00}. This company repeatedly ignores the consumer complaints. I did NOT OPEN this account NOR have I ever charged on it. It is COMPLETELY FRAUDULENT. 

This company IGNORES all customer correspondence.
Complaint sub-issue: Information belongs to someone else

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

I recently purchased a house and Equifax was exclusively one of the agencies that was running my credit report. 

My information should be held privately by Equifax and they allowed that information to be obtained by a 3rd party that I did not authorize. 

I have currently placed an Initial 90 Day Fraud Alert on my account but I feel that this will not cover the damages, should this become an issue down the road. 

My vital information is not changing and Equifax has carelessly handled my information and allowed an unauthorized source to obtain my information.
Complaint sub-issue: Problem during payment process

I paid to Macy 's {$21.00} back on XX/XX/2019, this payment would had bring the balance on account # XXXX to {$0.00}. But they applied the paymeny to a different account #, which is XXXX. The payment was made electronically, trough XXXX XXXX XXXX, from my checking account ending on XXXX, credit trace # XXXX.

Payee name : MACYS Payee address : XXXX XXXX XXXX XXXX OH XXXX.
Complaint sub-issue: Information is not mine

I have a Ar. Child Support ENF on my credit report that i would like to dispute, because i do not or have not ever had to pay child support in my life time. They contact number on my report is XXXX can you please help me get this information off my record please.
Complaint sub-issue: Information belongs to someone else

The debt collection agency XXXX XXXX XXXX XXXX XXXX has sent letters recognizing the fraud that was committed and has promised to remove the account # XXXX from my credit reports. However Equifax is the only credit reporting agency that has not complied. 

This is greatly affecting my credit score and ability to receive approvals.
Complaint sub-issue: Reporting company used your report improperly

My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.
Complaint sub-issue: Debt is not yours

XX/XX/2022 to current, I have reached out to " ProCollect Inc '' through certified mail requesting validation and proof of this item, but they neglected to provide documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.
Complaint sub-issue: Account status incorrect

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that XXXX # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or Equifax permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Complaint sub-issue: Personal information incorrect

Equifax has my name incorrectly showing on my credit report. I called XX/XX/2021 spoke with man asking him to correct my name. He told me to send copy of DL and social security card with my correct name and a cover letter stating the issue and what I wanted and to sign and date the letter. This was done and mailed to the PO Box address the man gave me. XX/XX/XXXX I called Equifax to see why my name had not been corrected yet. Lady told me I first had to verify a few things. I gave this lady my name/address & SSN as well as my cell phone number. Lady then said I had to verify more things and proceeded to ask me for all of my past employers and all past bank cards/loans/department store cards etc ... .this went on for over five minutes and I became suspicious as Id never had to give anyone that kind of information or that much information ever. I felt like my privacy was being very violated so I told the lady this seemed wrong to ask me all that personal information and ask to speak with a supervisor. The lady then said they had not received my information that I sent on XX/XX/XXXX. I verified the address I was given to send this information to and lady said yes that is the correct PO Box XXXX I then told the lady I had never in my life used the name they are reporting on my Equifax credit report and its their error so they need to update to my correct name. Lady said to call back couple days. We hung up and I called different Equifax number to inquire if this was proper protocol when they verify a consumers information. Went over issue with man who verified a few things then said hold and call disconnected. I called back spoke with different lady about this issue she said would note disputed and my name could possibly get corrected from her noting the dispute on file and to call back couple days to see if they had received the information I mailed them. Basically this would entail me being on the phone another hour and a half to resolve nothing.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX XXXXXX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX19 I did not authorize the Auto dealership to bombard my credit report with 13 inquires. When I saw this the business manager told me that the 13 would become 1 since I was approved.
Complaint sub-issue: Other problem getting your report or credit score

I have reached out to Equifax on numerous occasions telling them that I can't access my credit profile and am in the middle of trying to obtain a mortgage. They claim that there isn't an error on their end. My loan officer attempted to pull my credit with Equifax on Saturday XX/XX/19 and stated that he received an error as well. Equifax is preventing my mortgage lender for accessing my file, although they claim their isn't a freeze. My lender, nor myself can access my Equifax file and this has been an issue for almost a month. No one in the customer service department has been able to assist me. I have attempted to escalate this matter with Equifax, but to my demise, my credit profile is still not accessible.My file needs to be accessible to any creditor and myself as soon as possible. Unfortunately if my lender is unable to pull all three of my credit profiles, they can not move forward with my mortgage application. This is causing a great amount of inconvenience and grief on my end. Please have Equifax make my credit profile accessible immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My Student loans ( only two ) and tuition was paid 100 % prior to my completing XXXX Program while I attended XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, by my former employer, XXXX XXXX XXXX XXXX XXXX As we're 2 of my classmates/coworkers, who all 3 if us had same job Title, XXXX XXXX  XXXX XXXX XXXX XXXX  of Jail Inmates. 

If you look back on My previous complaints, you will see that my college, XXXX is hiding behind XXXX XXXX XXXX, AES/PHEAA . And XXXX, US DEPT OF ED DEBT RESOLUTION All of which were directly Contacted by XXXX, XXXX XXXX, ID # XXXX, while she was on phone with me. She contacted both XXXX, and AES/PHEAA and directed both Loan servicers to cancel these loans due to ERRORS, and return any and all payments made/intercepted from me. And she forwarded these loans to the NSLD DIRECTOR TO REVIEW. 


Neither AES/PHEAA, OR XXXX has complied with NSLD ombudsmen request as of today. 

I have been in contact with my school, XXXX, financial office VP, and XXXX XXXX, who is the lady that actually made the original error of putting my classmates Loan documents into my file, which resulted in my name placed on my classmates loans. I suggested they do the right thing and cancel these loans, and I find it impossible to believe my college university has no record of any payments made by XXXX XXXX, my former employer paying my and 2 of my classmates tuition 100 %. I call XXXX. 

Which is why XXXX may have no record of any Tuition paid directly to them, I know my former employer does have a record of paying it which is why I contacted them last week and they are searching their accounts payable, etc. And getting back to me this week when they find the proof of paying. 

Which if XXXX, AES/PHEAA, XXXX, US DEPT OF ED DEBT RESOULTION still has a short time to do the right thing or wait until they I have undisputable proof that will shed a bad light on all these Student loan agencies and my college collaborated to defraud students and force students, USAF Veteran , currently XXXX, to pay off fraudulent student loans. 

Knowing the original Lender XXXX XXXX has no record of ever giving a student loan to me, or anyone with my ssn # .nor does original loan Guarantor, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Trouble with how payments are being handled

I been contacted from XXXX to help lower my loan monthly payments, XXXX XXXX an XXXX XXXX asked me to submit my financial documents like tax return, social security numbers, household income verification, I did submit all the requested document on XX/XX/XXXX, since then I was making monthly payment for {$100.00} every XXXX of each month. this year I asked my loan lender to send me the form XXXX  for tax purpose, they told me I never made any payment for XXXX and XXXX. 
I need to get back my money and pay it back to the loan lender. 
I have all the emails, bank statements shows my monthly payments.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX They did not send me any notification that they were new association or that anything was even owed. 

One day I receive a lien on my house and debt collection for {$150.00}, and fees close to {$300.00} now at the collection agency. 

I call to ask why they didnt send any notifications at all and they said they don't do that. What? 

I have a very sneaky suspicion that these people have an under the table deal with this agency as I've heard from many people in my neighborhood and online who had the exact same issue. No due diligence is done to simply inform people that something is due and how to pay.
Complaint sub-issue: Information belongs to someone else

I have requested for Equifax to remove numerous items from my consumer report, some have been removed while others have not and Equifax claims that they are " validated ''. I am a victim of the Equifax data breech as well as identity theft victim. I am still battling with Equifax about these accounts XXXX, XXXX XXXX XXXX, and XXXX. I recently submitted my FTC identity report to Equifax and am awaiting results. I am also submitting my proof here as a backup.
Complaint sub-issue: Transaction was not authorized

XXXX of a fraud On XX/XX/XXXX my bank account got 3 cash withdrawal charges from XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Im from maryland i live in maryland and ive been in maryland the whole time this was happening. I was at work. I got home around XXXX on XX/XX/XXXX. At around XXXX i went out to go to citibank and deposit a check to pay for my car and an error message pop out at the atm. When i checked my account thru mobile app thats when i saw the withdrawals that had done. I called citibank to dispute this charges and froze my account until i get the new bank card that theyre gon na send me ans give provisional credit while they initiate an investigation. On XX/XX/XXXX i received a letter from citibank that my disputes are denied. Citibank XXXXtatedbi have possession of my card and need a PIN to use at the atm and activities on my banking is consistent. On XX/XX/XXXX they took the {$1300.00} back. This withdrawals happened in florida and im in maryland how can a person withdraw money from maryland to florida in a few hours?
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach exposed my personal information which I never authorized Equifax to possess and will cause me unrequested hardships in the future as I will need to be cognizant of potential misuse of my information for tens of years into the future.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or about XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX in the amount of {$110.00}. A couple of days after I discovered the merchant was attempting to defraud me with their delivery claims. Since the merchant was unwilling to assist or rectify the issue, I initiated a chargeback with Citibank, the issuer of my credit card. 

On or about XX/XX/XXXX, Citibank posted a provisional credit of {$110.00} to my account pending investigation of my chargeback. 

Roughly one week later, XXXX XXXX XXXX was able to adjust the order to ensure it was delivered in line with their original delivery claims. Accordingly, I submitted cancellation of the chargeback to Citibank both online and via their customer service representative. I have e-mail confirmation of this fact. 

On or around XX/XX/XXXX, Citibank debited my account for the {$110.00} provisional credit given to me when I initiated the chargeback that I subsequently cancelled. 

Negligently, Citibank failed to really cancel the chargeback per my instructions. On or about XX/XX/XXXX, Citibank decided the chargeback in favor of the merchant and yet again debited my account {$110.00} as a result. They backdated that debit to XX/XX/XXXX. 

Citibank owes me {$110.00} and I want that money credited to my credit card account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for Discover Bank for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing Discover to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, XXXX. Discover has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by Discover refering to an inquiry instead of the disputed non-public personal information alleging to be the XXXXredit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.
Complaint sub-issue: Threatened to sue you for very old debt

I have a right to better myself and my XXXX XXXX  also. I have been disputing this same company for years! They call themselfs XXXX XXXX XXXX. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now XXXX XXXX XXXX THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
Complaint sub-issue: Information belongs to someone else

i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.