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

I checked my credit and saw an account from 21st mortgage. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted :
Complaint sub-issue: Account status incorrect

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I have two main complaints regarding Home Depot and Citibank : Home Depot CC # XXXX XXXX XXXX XXXX Canceled by me : 1. I was checking out a purchase at self help area of Home Depot in XXXX XXXX, NY. The attendant at that station came up while I was in the process. She asked if i wanted a Home Depot Credit Card ; I said no. She continued as if i did not exist, removed the credit card I was using, took information from that card, filled out forms putting the charge on a new Home Depot credit card, she said, finished the purchase, and handed me several Home Depot forms and told me I could pay for the purchase on the bill which would come to my house. Several times I told her I did not want the card. Again no response from her about my complaints. I left frustrated and annoyed but it was near XXXX 2019 and I had no time for this matter. I waited and waited for Home Depot bill or card to arrive. Didn't notice any bills or cards from Home Depot. Finally someone called asking me to pay. which brings me to complaint 2. 
2. The lady on the phone was just as obnoxious as the one in the store. She accused me of trying to get away without paying my bill. She said I had two bills and hadn't paid either one. I told her I did not receive anything from Home Depot but I was happy to pay the bill for the amount of the purchase and not for any overage charges since I did not receive any bill from Home Depot. I told her my record with credit card payments was excellent. Why didn't she believe me? She ignored me about not having received a bill, just like the lady who stuck this mess on me at home depot. I paid the amount of the " bill '' I owed for my purchased and canceled my Home Depot card. 
Since then I have tried to call Home Depot credit card complaint line but have not even been able to patch through to speak to a human person about my complaint. So, I have been reduced to making my complaint through CFPB!
Complaint sub-issue: Trouble with how payments are being handled

I consolidated all loans in XX/XX/2018. AES was still receiving my payments every month and cashing the checks from my chase account. AES had been paid when i consolidated with fedloan. i called them and they told me to call XXXX. XXXX told me to call AES. AES wont refund my money or let me talk to someone in finance. It is the runaround and AES has cashed 19 checks for XXXX out of my account and never applied to the loan because the loan was paid in full by fedloan as it was refinanced. AES kept my money. please help.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft several times. Ive explain that to discover numerous times. They still sending Back letters stating that is valid. This debt from identity Theft is hindering me from acquiring apartment and gaining new lines of credit. Its so unfair to me that Im being forced to pay a debt that I didnt acquire. I wasnt showed a signature or copy that I gave consent to open account with them. I had a fraud alert on my credit report prior of this account been open. The thieves were able to by pass that.Ive submitted the identity affidavit to this complaint please help.
Complaint sub-issue: Reinserted previously deleted info

Both myself and a credit agency have written and called on a three way call since XXXX to the have the " consumer disputes '' REMOVED from XXXX, and yet Equifax adds it back on just so that I have to keep a monthly account to MONITOR THEM!!!! 
Remarks " Consumer disputes after resolution Student loan - payment deferred Fixed rate ''
Complaint sub-issue: Other problem getting your report or credit score

credit report not popping up XXXX XXXX 
XXXX XXXX XX/XX/1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress.
Complaint sub-issue: Account information incorrect

I am writing to report a violation of the Fair Debt Collections Act by XXXX XXXX XXXX. There is an account XXXX listed on my credit report by XXXX XXXX which has been re-aged. XXXX XXXX XXXX deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park the debt on my credit report. Prior to XXXX XXXX, the Date of First Delinquency was listed as XX/XX/XXXX by Equifax. 

XXXX XX/XX/XXXX, I was notified by credit monitoring, the collection account was removed from Equifax, XXXX, and XXXX as the account was approaching the 7-year reporting deadline. In XX/XX/XXXX, I was notified once again that I had a new account in collections on my Equifax report as of XXXX XXXX, XXXX. When I pulled my Equifax report on XXXX XXXX, the report displayed the exact same account XXXX re-added to my report with a new First Date of Delinquency of XX/XX/XXXX, 5 months beyond the credit bureaus reporting expiration date. 

To prove the Date of First Delinquency changed, can provide documentation from not only Equifax, but from XXXX  and XXXX  as well. They all show the account was to be deleted by XXXX XXXX, which is consistent with the Date of First Delinquency being XX/XX/XXXX. 

In XX/XX/XXXX, I asked Equifax to investigate, but they closed the investigation and updated my report to read XXXX disputes after resolution. Equifax has allowed XXXX XXXX XXXX. to violate the XXXX XXXX XXXX XXXX by falsifying my credit history and knowingly re-aging an account with the intent to cause further damage to my credit. This illegal behavior by XXXX XXXX XXXX indicates me they knew Equifax would overlook my complaint, and that XXXX XXXX XXXX will continue to negatively re-age the delinquency status in an attempt to deceive.
Complaint sub-issue: Account status incorrect

Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting Agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.
Complaint sub-issue: Trouble with how payments are being handled

I had two loans totaling roughly XXXX charged off by Discover in XXXX of 2019. After talking with XXXX they agreed to place me on hardship payments. Discover neglected to tell me that the payments were only in place for three months. Discover made no attempt to contact me at any point from the end of these hardship payments. 

This XXXX, hoping to settle the balance, I called Discover. I spoke to an individual named XXXX, who informed me that Discover was willing to settle the account for a lower amount. Hoping to get the loan off of my account, I was incredibly motivated to reach an agreement. Unfortunately, Discover wanted roughly XXXX, which was more than I had at the time. I told Discover I would contact them within a week to let them know if I could make XXXX work on my end, while XXXX said she would try to get a lower settlement number. 

I since made numerous attempts to contact XXXX. Every time I was told that she was unavailable. I was hoping to specifically talk to XXXX, as me and her had built up a good report and I had had negative experiences in the past with other Discover personnel. 

Today, I again attempted to call XXXX. Instead, I was told by Discover that my debt had been sent to a collection agency with no notice. I talked to several representatives from Discover, including XXXX XXXX and her supervisor XXXX ( who was incredibly rude, arrogant and belittling ), and was told that there was nothing that could be done. 

I do not believe that Discover gave me proper notice before sending this debt to collections, and I believe that XXXX was purposefully unavailable in order to prevent me from settling the account. I am currently reaching out to whomever I can for assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX XXXX account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Complaint sub-issue: Account information incorrect

Student aid reports I have no loans Nelnet continues to update the wrong information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX did a hard inquiry on XXXX XXXX, XXXX. I never talked to or requested information from XXXX. No contact information has been reported by this creditor. I need this taken off my credit report.
Complaint sub-issue: Personal information incorrect

Company do not have my name or social right or address
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, Equifax, and XXXX. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since XXXX and XXXX received the letters on XX/XX/2020 and Equifax on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.
Complaint sub-issue: Information belongs to someone else

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Personal information incorrect

Several inaccurate addresses are reporting on my credit report. I have provided Equifax and XXXX proof of my identity multiple times and proof of residency and they continue to falsely report this information! I have called multiple times to Equifax and XXXX and representatives have been rude. I've been hung up on a few times as well. I've tried escalating the call and waited for a Supervisor for over a hour. Reps have told me fraud happens to everyone and to deal with it.They have changed the dates several times showing current status for inaccurate addresses and put my current residency as former which is clearly inaccurate. They have added so many wrong addresses that Clearly they have mixed up my information with someone else! I have asked them to validate this information and they have not been able to do that! I have been denied credit because of inaccurate information reporting. I have sent both bureaus certified/notarized documents on multiple occasions and its hard to keep up with this extra expense. I disputed this information XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inaccurate information still reporting as of XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A few months ago I noticed an email that was directed to my Spam account titled Your statement is now available online from CitiBank. Because I do I have a Citibank Card and it was automatically routed to my spam inbox I did not worry about. I then noticed at {$35.00} charge on my checking account concerning this card. When I called the company I explained to them that I did not have the card. I was asked to spell my name and it was then noted that my name on the account is spelled incorrectly. Citi Bank kept asking me for the card # since I do not have this information I can not provide it. They did close the account however they are showing a balance due.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX, I received correspondence from XXXX XXXX  XXXX, law office representing Citibank , N.A . stating they were a debt collector attempting to collect an alleged debt. 
On XX/XX/XXXX, I mailed a letter asking for validation of the alleged debt. 
On XX/XX/XXXX, received another correspondence from XXXX XXXX  XXXX listing information and not validating the alleged debt. 
On XX/XX/XXXX, mailed an Affidavit of Loan Denial certified to XXXX XXXX  XXXX that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified to Sears/CBNA that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified for a third time that went unrebutted and stands as truth in law. 
On XX/XX/XXXX and again on XX/XX/XXXX ( due to usps delivery delays ), I mailed a notarized Affidavit C & D certified to XXXX XXXX XXXX. 
On XX/XX/XXXX, I received documents from District Court of Maryland for XXXX County stating the case had been voluntarily dismissed. 
On XX/XX/XXXX and again on XX/XX/XXXX, I mailed a notarized Affidavit of Truth demanding that the information being reported to the three consumer reporting agencies be deleted from my three consumer reports, subrogation of the bond to settle the charge and an invoice for XXXX for violating the following FEDERALLY PROTECTED CONSUMER RIGHTS15 USC 1681n, 15 USC 1681o, 15 USC 1692c, 15 USC 1692d and 15 USC 1692g.
Complaint sub-issue: Information belongs to someone else

FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX FRCA Violation hard inquiries 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 FRCA Violation collections XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I previously sent CoreLogic a letter to place a security freeze on my Corelogic report but instead of them placing a freeze on my report, they told me that they are a reseller of the consumer report information provided by the three credit bureaus, so they didn't place a freeze on my CoreLogic report.
Complaint sub-issue: Information is not mine

I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of this account, which has not been provided. Here is the account : # XXXX XXXX They always say they verified information and do not ... Please have documentation supporting this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.