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

In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to Equifax and XXXX  ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX  and Equifax. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to Equifax, XXXX  and XXXX since XX/XX/2020 regarding inaccurate/fraudulent accounts on my credit report. I have requested they investigate, reinvestigate and send me a validation of such items which they have failed to do in over 5 months. I know my rights, and according to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a XXXX XXXX and believe that I am a victim of the XXXX data breach and some, if not all of my personal information may have been exposed. When the incident happened with XXXX, I did receive notification the data compromised may have included my personal information, such as name, Social Security number, date and place of birth, and current or former address but I did n't take think it truly affected me. In XXXX, I decided to view my credit report and discovered that there was a great deal of incorrect information showing. Because of this, I immediately placed a fraud alert on my account, XX/XX/XXXX, and started to take action with disputes. Not only did I dispute but I also purchased several credit monitoring services so that I could place a lock on my credit reports. I disputed online, via the phone and via the mail. The reason for this complaint is that I have filed multiple disputes with Equifax regarding unauthorized fraudulent credit inquiries that are appearing on my credit report and to this day there has been no action taken on my credit report with Equifax. I opened up web disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX, via the phone ) regarding unauthorized fraudulent and duplicate inquiries. On XX/XX/XXXX I also mailed a certified 609 validation letter explaining my consumer rights under FCRA and asking for the inquiries to be validated, updated, to provide me with proof or to remove. Unfortunately, neither of my online disputes, nor my phone calls, nor my certified validation letter have yielded any results. I havent even received anything in the mail stating that the investigation is ongoing or complete and when trying to check a status online the Equifax dispute system has been down for what seems like a month. Even further, Equifax has yet to mail me a hard copy of my credit report that I have asked for on multiple occasions. Lastly, as mentioned above, I purchased a credit monitoring service with Equifax to monitor my credit. This product allowed me to place a lock on my credit report for extra protection. The paid monitoring service with Equifax ended in XX/XX/XXXX but Equifax still has a lock on my credit report. I have called Equifax at least five times in the last few weeks with regard to removing the lock from my credit report. Equifax has yet to remove the lock and I no longer have a product with them. Each time I call regarding the removal of the lock, Equifax alleges that they have opened several cases to try and resolve this issue ; however, the issue is still not resolved. I recently tried to subscribe to a new credit monitoring service that monitors all three bureaus ; however, due to the lock on my Equifax credit report I am unable to view or subscribe to these services which further prevents me from being able to view any changes, updates or if any additional fraud is taking place on my account. I am seeking the help of the Consumer Finance Protection Bureau with regard to Equifax and my credit concerns with them. Kindly, thanks for your assistance.
Complaint sub-issue: Account information incorrect

RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting
Complaint sub-issue: Information is missing that should be on the report

According to the fair credit reporting act consumer reporting agencies are by law required to furnish accurate information with written consent of the consumer, Equifax has failed to do so by reporting Collection Accounts On my consumer report with no company name it is not my job to find out what company is reporting the information, Equifax has violated the FCRA laws by not supplying up to date and accurate information, Equifax has been under fire with lawsuits for the very same reason I am submitting this complaint I have supplied proof of such with an attached copy of my Equifax Credit Report I want the following collection accounts deleted as I never gave Equifax written permission to report any information about me in the first place, I will put the account numbers listed on these " NO NAME '' accounts for reference XXXX XXXX
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I was contacted by a third party ( did not know they were a third party at the time ) advising me they were from the Dept. of Education and were dealing with my student loans directly. 

I was told by the gentleman on the phone that I qualified for an income based program administered by the Dept. of Education which would allow me to make 3 payments of {$260.00} and all subsequent payments until XX/XX/XXXX would be deferred upon reevaluation of my income. 

I was obviously skeptical and questioned several times asking to confirm he was in fact from the dept. of education and after seeming to be trustworthy, I was convinced he was there to " help me '' I submitted my 3 payments and assumed I was clear from having to pay anything further until my next evaluation period. 

It wasn't until a few days ago when I noticed my credit score took a complete nosedive that I realized I was in default of my student loans - which I did not want. I contacted my student load servicer and was informed I most likely was contacted by a third party stating I qualified for a program through the Dept. of Education when they in fact weren't and the funds I submitted were not used towards paying down my student loan dept.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Reporting company used your report improperly

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for DISCOVER BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act The XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I was scammed on a Best Buy Website when trying to access the Geek Squad service. The scammers bypassed the actual chat box using their own in its place. The scammer logged into my computer with fake Best Buy credentials and then claimed there was a problem that need to be fixed. He asked me to order some items using my Best Buy card. At that point I was starting to realize that I was being scammed, however, this person had access to my computer so I did as he asked so as not to alert him that I was suspicious. He was supposed to contact me the next day, and I assume was going to threaten to destroy my computer if I did not provide the gift card information. After that call I contacted the credit card company cancelled my account since I was not sure this person had the card info. A fraud specialist contacted me and when I asked her what to do with the gift cards when I received them she told me to destroy them which I did. Now the credit card company is denying my claim saying that I benefited from the transaction. While I did receive the cards, they were destroyed based on information received from their representative. Therefore I do not feel that I should be responsible for the {$400.00} in charges.
Complaint sub-issue: Account information incorrect

I have an inquiry on my report that I do not know where it come from.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2018 I submitted a dispute to Equifax, XXXX  and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
Complaint sub-issue: Reporting company used your report improperly

CoreLogic Inc. 
1 CoreLogic XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern : Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

A review of my XXXX consumer report revealed that CoreLogic Inc. had illegally reported / published information on my XXXX consumer report. 

In accordance with the FCRA and pursuant to 15 USC 1681 Section 602 states that I have the right to privacy. CoreLogic Inc. illegally shared my personal information with an unauthorized third party ( XXXX ). 

Furthermore, and pursuant to 15 USC 1681 Section 602 also states that a consumer reporting agency ( CoreLogic Inc. ) can not furnish an account without my written instructions.

I never gave CoreLogic Inc. permission to report, publish, or share my personal information with anyone. Therefore, I demand that CoreLogic Inc. DELETE any information that they provided to XXXX from my XXXX consumer Report. 

CoreLogic Inc. has violated my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). This is a FCRA violation.

CoreLogic Inc. has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. This is a FCRA violation. 
These FCRA violations by CoreLogic Inc. has resulted in damage to my reputation, character, and credit worthiness.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Complaint sub-issue: Public record information inaccurate

In reviewing my consumer credit report with Equifax. It was discovered that an alleged bankruptcy is reporting contestable in accordance with FCRA Metro 2 Format XXXXXXXX This record is being reporting without known " Status '' which violates FCRA regulations. Per XXXX XXXX XXXX   " Any deviation from these standards jeopardizes the integrity of the data ''. I am demanding the removal of this record for this reason. This complaint is not a request for " Verification ''. I have attempted to dispute this unverifiable record several times and Equifax has refused to comply.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX  Account number ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX have violated my rights.

15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) Section 1, states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem accessing account

I lost my debit card in business in XXXX. After calling Citibanks customer service center in the XXXX  ( no choice ) a new card apparently mailed. But no card arrived. XXXX citibank. They refuse to send a new card unless I mail an apostilled request for a card to the US. From XXXX. Physically impossible to perform this task in XXXX. Citibank actively preventing me From accessing my account and refusing to provide an alternative l.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm in the process of getting a mortgage with XXXX XXXX. They could not get a credit report from Equifax. Equifax said my name was incorrect in their system which is not true. They said they fixed it and to have the bank call the business area. When they did they were told my address was incorrect. They still dont have a report. Also my XXXX XXXX score in the circle has remained at XXXX but the graph is XXXX which is correct. Also all my accounts are not showing. I have been asking this to be corrected since before XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 {$2600.00} original {$2800.00} balance... I have sent them two rounds of letters asking for them to provide the original contract with my signature or delete the info. They have not provided to correct documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the Equifax Data breach, so please remove them already.
Complaint sub-issue: Can't get flexible payment options

i sent fedloan a letter with good humanity spirit of letting them know that i have paid them since XXXX weeks after i graduated with XXXX XXXX ; my daughter XXXX is in college ; i know i have to pay her parent plus loan when she is done in XXXX XXXX, my other daughter did n't do well at her college and got kicked out ; well i asked fedloan in a letter to consolidate the interest, my loans and parent plus loan in a bill that i can afford ; like {$150.00} to {$190.00} or {$200.00} ; they sent me a {$500.00} bill ; i sent another note saying this is too high I sent {$150.00} with the bill ; on thursday XXXX XXXX they sent me a bill for {$730.00} ; I sent {$190.00} with the bill ; i need help ; what road to i take as a single mom that is divorce and have a passion for education and teaching my daughters the same ; i am trying to get a place of my own again and not have my credit destroyed ; they are threatening to send me to a credit bureau as a red flag for no reason. i have other bills that are important and i make XXXX a year ; please help assist me please consumer finance gov
Complaint sub-issue: Card opened as result of identity theft or fraud

I was sent a bank statement from US bank stating I had a business account with them, which I never applied for. When I called US bank they stated the line of credit was closed and the balance was XXXX. 

I also recieved a letter from XXXX XXXX regarding a recent application for a Credit card. I never applied for this card. I called XXXX XXXX and no account has been open. 

My bank account was hacked and {$13000.00} was stolen. I worked with my back to close and set up a new account and my money was retrurned to me.
Complaint sub-issue: Information belongs to someone else

I am reaching out to seek the deletion of 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.After praying not to suffer as a victim much longer so 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. Please delete the items as soon as possible.
Complaint sub-issue: Debt was paid

Was sent satisfaction of judgement for debt with discover bank and still am being garnished.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My husband and I purchased " XXXX XXXX '' class tickets from XXXX XXXX to travel from XXXX XXXX   XXXX to XXXX on XX/XX/2020. Because of COVID-19, XXXX XXXX cancelled our flight and made multiple attempts to rebook us on other flights flying through various cities, sometimes on partner airlines ( e.g., XXXX, XXXX XXXX and with a reduction from XXXX XXXX to XXXX class. At no time did the airline consult with us on whether our ultimate itinerary could accommodate these changes or to offer compensation for the reduction in seat prices between the two classes of service. We made several attempts to reach resolution with XXXX XXXX, which was ( and still is ) charging us {$20000.00} ( see attached documentation ). 

When these attempts failed, I filed a dispute with my credit card company, Citi Cards, and I was granted temporary credit for the disputed amount pending an investigation of my claim. I was informed that, because I cancelled my plans, XXXX XXXX did not owe me a refund ( see attached ). I wrote back to Citi immediately pointing out the cancellation was not mine but XXXX XXXX 's ( see attached ). Since that time, I have received no further communication from the company with the exception of my monthly bill. I have e-mailed Citi several times and I called their Customer Service office, but the automated system terminated the call before I could speak with a Customer Service representative.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach.