Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have tried solving this issue with XXXX XXXX and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and Equifax continue reporting. I am attaching the updated and new information, also : XXXX financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from XXXX and Equifax. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across XXXX and Equifax, yet XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their rear end with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW
Complaint sub-issue: Their investigation did not fix an error on your report

Over the last 7 months, I have been disputing an account from Equifax that is not my account. The account is causing me to be denied credit for a home loan. After multiple attempts for Equifax to investigate the inaccurate info on my credit report it still remains, I have also sent several letters to Equifax from the creditor showing that this account is not my responsibility and it still remains on my credit report.
Complaint sub-issue: Denied request to lower payments

I CONTACTED BANK OF THE WEST IN XX/XX/XXXX TO ASK FOR A MODIFICATION OF LOAN TERMS, DUE TO A CHANGE IN CIRCUMSTANCES AND THAT BECAUSE OF THESE CHANGES I WAS NO LONGER ABLE TO MAKE THE PAYMENTS FOR THE ORIGINAL AMOUNT OF {$440.00} EACH MONTH. I SUFFER FROM SEVERE XXXX AND XXXX AND AM ON XXXX AND AM NOW CARING FOR MY MOTHER FULL TIME WHO IS ONLY ON SSA RETIREMENT BENEFITS. I PROVIDED THE DOCUMENTS REQUESTED BY THE LOSS MITIGATIONS DEPARTMENT OF THE BANK ALONG WITH MEDICAL DOCUMENTS AND WAS SENT A LETTER ON XX/XX/XXXX THAT ALL DOCUMENTS NEEDED HAD BEEN RECEIVED. THEN ON XX/XX/XXXX I RECEIVED A LETTER STATING THAT DUE TO INSUFFICIENT INCOME THEY WOULD NOT MODIFY LOAN TERMS, BUT THAT WAS THE ENTIRE REASON WHY I ASKED FOR THE CHANGE BECAUSE I COULDN'T AFFORD THE CURRENT TERMS. SO I CONTINUED REACHING OUT TO THE LOSS MITIGATIONS DEPARTMENT AND THROUGH OUT THIS PROCESS WAS INCLUDING LETTERS WITH PARTIAL PAYMENTS OF {$220.00} EACH MONTH AND WAS TOLD BY THE COLLECTIONS DEPARTMENT THAT AS LONG AS I WAS CORRESPONDING WITH LOSS MITIGATIONS AND ATTEMPTING TO MAKE PAYMENTS ON THE LOAN THE CAR WOULD NOT BE REPOSSESSED. THAT WAS NOT THE CASE AND UPON LEAVING TO GO TO THE DOCTORS THE VEHICLE WAS GONE. I HAD TO BORROW MONEY TO GIVE TO THE BANK AND TO THE REPOSSESSION COMPANY AND MANAGE TO GET MYSELF TO XXXX TO RECOVERE CAR ALL IN A MATTER OF DAYS. I AM STRUGGLING TO GET HELP FROM YHE BANK AND CONTACTED XXXX XXXX AT XXXX XXXX XXXX XXXX AND SHE REFERRED ME TO THE CONSUMER ASSISTANCE COUNCIL. I FILLED OUT A COMPLAINT FORM BUT HAVE NOT HEARD BACK. ALL I AM ASKING FOR IS TO CHANGE THE LOAN TERMS IN ORDER TO CUT THE REGULAR PAYMENT IN HALF. I NEED MY VEHICLE TO PROVIDE CARE FOR MY MOTHER, WHICH I HAVE INFORMED THEM OF. THE LOSS MITIGATIONS DEPARTMENT NOW STATES FILE IS INCOMPLETE BUT THE DOCUMENTS THEY ARE ASKIG FOR I ALREADY SUPPLIED TO THEM IN XX/XX/XXXX AND XX/XX/XXXX AND WAS TOLD FILE WAS COMPLETE.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have been an account holder of a XXXX/Citibank Visa for nearly 9 years. My credit limit has always been a steady XXXX - my account is current and presently has a XXXX balance. I have never received an account review, an increase ( or decrease ) in my steady limit. One week after I lodged a complaint against XXXX  due to inaccurate information on my report, and a consistently low and dragging score ( 60-70 points under all other major scores ), I received an email from Citibank notifying me that my credit limit has now been reduced from XXXX to XXXX. I called to lodge a complaint and was unable to remedy the situation. I have no idea why this action was taken as my credit scores previously were much lower than my current score, and no action was ever taken to decrease my credit limit. This impacts my available credit and potentially lowers all scores at all agencies.
Complaint sub-issue: Report improperly shared by CRC

My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.
Complaint sub-issue: Debt is not yours

I keep getting an email from pnc bank about XXXX dollar debt that I know nothing about. its identity theft.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've been trying to get a " HARD Inquiry '' removed from my Equifax report since XX/XX/XXXX with no results. Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX- I do not have any account nor have I inquired for any type of services with XXXX XXXX XXXX . I've called both companies only to be in the middle of neither Equifax or XXXX XXXX XXXX providing a resolution. They both have numerous times said to call the other and today is XX/XX/XXXX 'NO RESOLUTION '' from either entities. 
XXXX XXXX XXXX has said that I do not have an account with them, nor do they have my information for any of their products. Equifax states that they can not delete that inquiry even though XXXX XXXX XXXX is stating I do not exist on their system of records or credit inquiry for their products. 

How did Equifax generate a letter stating that the item has been verified and is accurate when XXXX XXXX XXXX does not have any records of my personal or S.S. # to their system?? I need help Equifax- I now understand why Equifax had breach problems.
Complaint sub-issue: Company closed your account

I have sent various letters to request an explanation as to why Elan Financial has closed my account. My account was always paid up to date and never late. I went through their customer service and they said that the decision was made based on a letter where I advised them that taking action against me due to age, religion, sexual preference and nationality is illegal. The company didn't respond just advised that they had decided to close the account. This action has harmed me due to closing a account that I had always paid in time and was one of my longest used cards. 
I should not be discriminated based on the factors they provided and never responded to the fact that I placed a complaint with CFPB. They actually verbally told me that they will make me pay the price for complaining to your organization and they did so by closing my account to hurt me.
Complaint sub-issue: Account status incorrect

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Complaint sub-issue: Reinserted previously deleted info

I previously submitted a Consumer Finance Protection Board dispute ( XXXX ) in which I disputed a XXXX day late mark reporting erroneously for XXXX Account # XXXX. Equifax replied that the account was reporting paid as agreed. As of XXXX/XXXX/15, the account is reporting a XXXX day late mark again via Equifax. I need an explanation as to why this was reinserted to my account and why I was not notified in advance. Credit Report # XXXX supplied by Equifax on XXXX XXXX, 2015 will show the account reporting paid as agreed, no lates.
Complaint sub-issue: Trouble getting, activating, or registering a card

I am not able to activate my reliacard because the records at usbank have the wrong date of birth. Texas Work force commission had the wrong DOB because the person taking the information from me typed the wrong date. When I was finally able to talk with a real person they said I need to confirm my DOB by submitting a copy of my drivers license. I was told I could submit it at verify.usbank.com/id I found no such location on the internet. USBank is not set up to deal with problems. I have tried calling back and the computer system either does not accept my response ( entering a number ) or goes to the next step too quickly. I was able to correct my DOB with Texas Work Force but it is proving to be an impossible task to do with usbank because you only get to talk with a computer. Why can't people talk to people anymore? How do I get to talk to a person with usbank again and how do I get their records to have my correct DOB?
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX I reported that I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX, 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 I have a filed FTC report that I've mailed and faxed to Equifax along with this complaint an they said they VERIFIED that these belong to, but they don't and have a fraud report filed.
Complaint sub-issue: Information belongs to someone else

On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019, Equifax received an initial certified letter from me, disputing and requesting verification of various accounts reported by Equifax on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Equifax has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Equifax received a follow-up certified letter from me requesting again to provide their method of verification of each account listed on the initial dispute letter. 

On XX/XX/2019, I received a response from Equifax sent via a regular mail, which included a copy of my credit file dated XX/XX/2019 which states similar information as their earlier reply which says they have " verified the accounts '', and the " have updated '' and/or " modified '' various fields within each account in question. 

Equifax has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Equifax received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
Complaint sub-issue: Problem with fees

The company is not being truthful! I ask for a judgement against the company for {$600.00} plus daily interest, plus punitive damages! Reason : the statement that I attached shows all the purchases plus payments! And their voice robot message that I attached, states the truth! Therefore, I pray for the company to pay me what I hope they ignorantly stolen!
Complaint sub-issue: Their investigation did not fix an error on your report

We disputed the date of first delinquency reporting on a credit account. The first delinquency was over 7 years ago. A few small payments were made for less than the minimum due, and several automatic payments were returned, therefore, the account was never brought current after the first delinquency. We submitted documents from the credit reporting agency and from the creditor regarding payments and documents showing the account was never brought current. The credit reporting agency stated that even though they had the documentation and that those documents proved the date of first delinquency was not reporting correctly, that they would not remove if the creditor stated the account should be reporting. I asked  2 su pervisors at Equifax about reinvestigating under FC RA Section 611, and Equifax stated they could not reinvestigate based on any documents the consumer provided, only by what the creditor reported. This seems like a violation of the FCRA 611, and I   do not think Equifax is following this regulation correctly, because what I submitted were documents from Equifax and the creditor as my documentation for the dispute.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX2021
Complaint sub-issue: Sent card you never applied for

I submitted a complaint about a sham account being opened by us bank that was closed stating the it was resolved. This has not been resolved. I was hit with a hard inquiry and sent a credit card that I never applied for. US bank was just recently fined for these exact actions. I did not apply for the card nor did I approve a credit inquiry. The inquiry hit my credit report on XXXX and then I received a card which had my check my report on XXXX. I prefer if this was not closed until the matter is resolved. 

THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NOT A THIRD PARTY SUBMITTING ON MY BEHALF!
Complaint sub-issue: Their investigation did not fix an error on your report

I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and  Congress  states that they are required to go beyond the original source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right!   For example, the  XXXX   XXXX  account #  XXXX  is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have  ONE  account with this company!   Secondly, for the  XXXX  accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those!   Thirdly, for  XXXX , they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed.   For Equifax, the  XXXX   XXXX  account # xxx is reporting me as late on   XXXX   XXXX     and yet not only did I pay on time, but the other  2 bur eaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''!   I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.
Complaint sub-issue: Problem getting my free annual report

Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Complaint sub-issue: Their investigation did not fix an error on your report

THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT EQUIFAX AND XXXX  SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been reporting misleading information on my credit report. I sent dispute letter to the company multiple times and they keep saying its verified but they have not supplied any supporting documents letting me know how. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living