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

I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXXXXXX XXXX XXXXXXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Complaint sub-issue: Investigation took too long

Last month XXXX/XXXX/2015, I filed a complaint with your organization under complaint # XXXX,, because Equifax continues to knowing and intentional report information that they know at face value is inaccurate. After my complaint was filed with your organization, they claimed to have opened a new investigation and that they never heard from me on the matter before my complaint to your organization. Well Today, I received a letter from them dated XXXX/XXXX/2015 indicating that they completed the investigation and the information was verified accurate and nothing was changed despite the obvious face value inaccurate information is truly conflicts with all the currently reporting on the report
Complaint sub-issue: Problem using a debit or ATM card

I am filing an grievance regarding funds that where stolen from my account. On XX/XX/2018 I have left USA and went to XXXX ( please see attached ticket ) and I came back on XX/XX/2018. Because I have 3 cellphones I took two with me to XXXX thinking that one XXXXXXXX XXXX  was left at home. I was not aware that I have lost my phone and because I was thinking that my phone was in my home in Michigan. Upon my return to the US I did not look for my phone or logged in my bank account right away, I was able to use my debit card without any issue. All of sudden I have noticed that my account was negative and upon logging in Ive found out that I was a victim of a fraud and Ive contacted TCF Bank and started dispute. TCF representative told me that possibly someone made copy of my debit card and was using it. Before my next trip to XXXX Ive found out that my cellphone is stolen and Ive filled claim with XXXX and new phone was sent to me as replacement. 
I had TCF Debit card connected to the XXXX XXXX on my old phone ( one that is stolen ) and I had XXXX MasterCard connected to that phone too. My MasterCard was used without any approval and I have filled fraud claim with them and they told me that my MasterCard was used on that stolen phone and I assume that same thing happened with TCF Debit card. 
Because I did not authorized charges for almost {$10000.00} and when those charges happened I was out of country and I could not make those purchases please refund me my founds under fraud guarantee. 
Please look at claim number XXXX and in that claim you can find proof of claim with XXXX and Police report with XXXX XXXX PD, also I am sending you my ticket showing that during that time when fraudulent charges happened I was in XXXX. You can also see that during that time I was using my Debit Card in XXXX and that way I was not able to use it in USA.

I had filled two fraud cases number XXXX and number XXXX but bank did not give me my money back or provided explanation why my founds are not given back to me. Also TCF National Bank and/or VISA did not provide me with any proof how I could authorize those purchases when at that time I was 5000 miles away in XXXX. 
Since I am again in XXXX thank you for accepting this Appeal over the email. If you need to contact me you can do it by calling XXXX or by email. 

Please give me my founds back as soon as possible because I can not m are payments to my bills in USA and my credit score is being hurt! 

I am giving this statement under penalty of perjury and if any not this information is not correct I am ready to be criminal charged!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Debt is not yours

In mid XXXX Discover Card sent me notification via mail and phone that I was delinquent on a my Discover card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. Discover never provided any such documentation. The Discover hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. Discover never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, Discover using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing Discover called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the Judge. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX 's favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve Discover card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from Discover card, and have XXXX of the debt collection letters one from XXXX and XXXX from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " 0 percent rates '' and " XXXX XXXX ''. Some of the offers are even personalized inside, addressing me by name saying how Discover wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / Discover say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
Complaint sub-issue: Information is missing that should be on the report

1. One of my addresses was missing from the report so I called them to have it added and they wanted me to send them a copy of my deed. Because the property doesn't have a mortgage on it, they said I had to prove that I owned it before they would add it to my report. Since they can not be trusted with my personal information I refused to send it to them. I do not think it is appropriate for a credit reporting agency to request a copy of my deed.

2. They show a mortgage check numerous times for the same home. I had been advised when applying for a mortgage that it would only show up one time since closing can be a long time out. It is every month for 5 or 6 months that they show it as a hard inquiry on my report. I requested this be corrected to no avail. I received an email saying it was complete but when I tried to get into the file it stated there wasn't enough information on me.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I contacted citi bank that a hacker had contacted me asking about a transaction made in XXXX and got all my information. This was with a citi bank phone # and they even sent a text message via the same text thread I get from Citi bank. When I got back to the office 5 mins later I realized via email from citi that a hacker accessed my online account and transferred out all my funds in my account. The hackers even changed my phone # on the account and I was over 4 hours on the phone with citi bank trying to resolve this problem. They said I needed to file a FBI report as well as a police report, I did this same exact thing that day. I then had to go into citi bank since they froze that account and said I now needed to open a new account. I HAVE NOT RECEIVED ONE LETTER FROM CITI BANK ABOUT THIS SITUATION. I went to the bank this Saturday and they still have no update on the situation and just told me the same thing to call back later in the week that these situations take longer than 90 days at times. Im so upset on the way Citi bank has left me in the dark the entire time with this situation I literally have to go into the bank because over the phone they tell me my account doesnt exist. I am a single mother who is now falling behind on all her payments due to citi bank being negligent and not even updating their loyal customer for over 10 years on this situation and how it would be handled.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to XXXX, XXXX & Equifax from XXXX of 2018. 
My account was reported closed in XXXX of 2018 through XXXX & Equifax. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. 

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Complaint sub-issue: Fee problem

My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. 

I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.
Complaint sub-issue: Debt was paid

I was in debt with XXXX. On XX/XX/2019 I contacted XXXX to settle my debt. They agreed to settle for {$100.00}. I made sure to receive an email stating they the account was in fact paid in full from the representive prior to disconnecting. Once I received the email, I disconnected. This past week ( XX/XX/2019 ) I received a letter from a new collections agency stating that I still owe the debt to XXXX and that they are trying to collect the funds from me again. I contacted the new collections agency letting them know that I have proof that I do not still owe the funds and that it was paid. I also contacted XXXX with the same information and emailed them a copy of my bank statement along with the email that stated my account was closed in full. The new collections agency stated they can not stop this account from reporting to the bureaus and that XXXX has to pull the account from them to stop further action.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.
Complaint sub-issue: Information belongs to someone else

I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a XXXX  car XXXX  in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.
Complaint sub-issue: Account information incorrect

I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I had a credit card with Discover Credit Cards and it was closed because I didn't pay. Discover took me to court without my knowledge and I they garnished my paychecks. I explained to them that I got a separation and I was paying child support. And if they could placed me in a payment plan since I got a new job, and they were not able to help me. This happened around XX/XX/2019 and by XX/XX/2019 I had the balance paid off, including additional fees that they added into my account.
Complaint sub-issue: Information belongs to someone else

I requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. Equifax refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.
Complaint sub-issue: Information belongs to someone else

My rights have been violated

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1692C
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX has 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 2 : It also 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 ; XXXX Account # XXXX ; XXXX FCU Account # XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, XXXX  and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX  each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/20 I received a letter from Lexis nexus would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it