Johnade/consumer_complaints_cfpb huggingface dataset:
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Complaint sub-issue: Other problem getting your report or credit score

CREDIT KARMA, I CAN NOT ACCESS OR DELETE MY ACCOUNT. 
THEY HAVE NO PHONE # TO TALK TO ANYONE. 
I HAVE SUBMITTED A FORM WITH MY PROBLEM AT THEIR SITE. 
I SAW THAT PEOPLE HAVE NOT BEEN GETTING A REPLY FROM CK WHEN SUBMITTING EMAILS TO THEM.
Complaint sub-issue: Their investigation did not fix an error on your report

Complainant has attempted since XX/XX/2019 to remove fraudulent accounts from his report that was contributed to ID theft. Complainant sent block request to all CRA 's beginning on or around XXXX of 2019. XXXX, and XXXX  complied with the block request, however, Equifax indulged in a " block game '' with Complainant. 

Complainant has submitted documents showing that Equifax blocked the items in question on two occasions ( XXXX 2019, XXXX 2019 ) just to re-report the items again on Complainant  consumer report. Not only are the actions of Equifax intolerable and has caused Complainant  severe harm, but they are a blatant violation of the Fair Credit Reporting Act. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.
Complaint sub-issue: Problem getting your free annual credit report

While I was able to obtain my credit report from XXXX and XXXX  just fine, I could not get it from Equifax through XXXX. I am certain I supplied the correct information to verify my identity ( otherwise I would not have succeeded with XXXX and XXXX ), so they didn't deny me because of " wrong answers. '' Because it worked with the other 2 agencies, I'm also certain it's been more than a year since my last request and I'm eligible to receive a free one now ( I'm well within my rights ).
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

Several accounts are the result of identity theft.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, 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: Credit inquiries on your report that you don't recognize

An continuance of fraudulent attempts of hard-pull inquiries of my credit report.
Complaint sub-issue: Debt was result of identity theft

To whom it may concern ; I have been doing everything I can in my power to let Citi-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to Citi as well. Now they aparently have sold the account to another company - XXXX XXXX XXXX XXXX - XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. Citi already know about it and they tried for me to pay them even I show them the police report.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Attempted to collect wrong amount

I am the XXXX  of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. 

In XXXX  of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time.

We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. 

We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. 

I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. 

We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.
Complaint sub-issue: Information belongs to someone else

The credit reporting agencies XXXX, Equifax and XXXX is reporting a closed XXXX  XXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.
Complaint sub-issue: Attempted to collect wrong amount

The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with. 

The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Complaint sub-issue: Old information reappears or never goes away

Recently, I was reviewing my Equifax credit report and noticed that there was incorrect information listed for my XXXX/XXXX account. I tried to file a dispute online, however I was not able to. I also called today and spoke with someone whom I could not understand. I tried explaining that the information posted was incorrect and she hung up on me. On XX/XX/XXXX, it shows the closing date of this account as XX/XX/XXXX however I have amother report from XX/XX/XXXX that shows the closing date as XX/XX/XXXX. This account was removed from my credit report and put back on in XX/XX/XXXX. 

There Is also a XXXXXXXX XXXX  account and a XXXX/XXXX account that are over 10 years old on my Equifax credit report. The Fair Reporting Credit Act states that credit reporting agencies must report correct and updated information. Equifax is changing information as well as reposting outdated information, which is against the law and affects my credit rating negatively.
Complaint sub-issue: Information belongs to someone else

During the months of XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), CXXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX XXXX , being mostly funded by XXXX XXXX . 
XXXX XXXX XXXX denied by request for the Junior year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. 
XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. 
XXXX The school lost its accreditation status. Being an art school most classes will not transfer. 

I reached out to XXXX XXXX repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did.
Complaint sub-issue: Information belongs to someone else

I just received a copy of my credit report and I noticed accounts that are outdated and inaccurate. I want this information removed because they can be considered as fraudulent and I have the right to Accurate Reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have numerous unauthorized inquiries on my credit report.
Complaint sub-issue: Not given enough info to verify debt

Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act
Complaint sub-issue: Attempted to collect wrong amount

Sallie Mae misrepresented themselves in a letter dated XX/XX/2021, stating loan payments were late and it would be reported XX/XX/2021. All past due amounts were paid on XX/XX/2021 BEFORE the due date. Credit bureaus were contacted for delinquency on XX/XX/XXXX and my credit score plummeted 70 points! There was no phone call or email prior to notification of credit bureaus being contacted. I am a co-signer for my emergency nurse daughter. Her payroll was effected by Covid-19 illnesses and she was not paid on time. Automated payments were late, while she is frontline keeping people alive. I contracted Covid-19, am XXXX, and many of my clients are 6 months late. We struggled to get them the late payments before XX/XX/2021 and were surprised to find out they had reported a month earlier. Sallie Mae was always late in posting payments, if at all, but have no problem robocalling everyday from XXXX to XXXX every hour, even when the account was up to date. My daughter had to call them several different times to ask them to stop harassing me with phone calls when there was no delinquency.
Complaint sub-issue: Debt was result of identity theft

I am submitting this CFPB complaint to request the removal of account AMEX/DSNB XXXX Date Opened : XX/XX/2016 with an alleged Balance : {$0.00} that is erroneously and fraudulently reporting on my Credit File. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account AMEX/DSNB XXXX was incurred due to fraudulent charges, which according to VISA/ Mastercard XXXX Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 
AMEX/DSNB XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

My husband, XXXX XXXX XXXX died on XX/XX/2020. I immediately contacted Citibank , N.A . to report his death and to ask that they close his account. ( Account # XXXX. ) When their credit card was active and being used by XXXX, I was a 'Authorized User. ' When I notified Citibank of XXXX ' death, I also asked to be removed as an authorized user during that call. Citibank immediately closed the account. 

Citibank referred the account to XXXX XXXX XXXX XXXX XXXX assured me they do not participate in credit reporting, and that Citibank froze the account from incurring any interest charges, late charges and credit reporting after the account was closed. 

Today I obtained a current Credit Bureau Report for myself, which reflects XXXX ' account on my report. I called Citibank Probate Department today ( XXXX XXXX ) and requested that this account be removed from my credit report. The person I spoke with named XXXX ( # XXXX ) said there was nothing she could do and gave me the address to another Citibank location to contact. I told her that both XXXX XXXX and Citibank told me that once the account was closed, there was no further Credit Bureau reporting and asked why does the onus fall on me to get this corrected? 

It is up to Citibank to correct this error. It is damaging my credit score. I am overwhelmed with the issues that Citibank has caused with XXXX ' account and the amount of time I have dedicated to resolving ongoing issues. By the way, no other creditor of XXXX did what Citibank has done relative to credit bureau reporting. 

I have enclosed a copy of my XXXX Credit Bureau Report, dated today. Thank you.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I recently filed a cfpb complaint ( XXXX ) on my issues with XXXXiscover Financial Service on an alleged debt that they are continuously trying to collect. I have sent them a cease and desist asking them to cease all communication unless it pertains to the validation of such debt. However, I am still receiving communication from them via email on matters that do not pertain to the complaint or alleged debt validation. I would like all further communication from Discover Financial Services to be in writing and sent via postal mail or directly through the cfpb complaint that is currently open.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the CARMAX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by CarMax, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification.

Attached is documents sent by CarMax, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that.

You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification.

I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court.

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Complaint sub-issue: Account status

I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.
Complaint sub-issue: Charged too much interest

Hello, We have a Bestbuy Visa card that is by Citibank. We usually pay our entire statement balance in full. The last month we paid in almost full except {$120.00}. Bestbuy/Citi is charging {$44.00} in interest for one month, that is over 30 % interest for one month! This is more than 10 times higher than the agreed upon APR of the card. I called the customer contact number on the statement and they couldn't walk me through the calculation that gets this specific interest amount for one month. Between the agent and supervisor they mentioned several different interest percentages but none add up to this amount. I asked for a reference number of the call, the employee supervisor could not provide this. They provided their ID, which is XXXX, and name XXXX. The call with them ended on XX/XX/XXXX at XXXX XXXX CST. 
Thanks, XXXX
Complaint sub-issue: Information belongs to someone else

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, UNKNOWN XXXX
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN EQUIFAX IS THE ONLY CREDIT BUREAU SHOWING WRONG INFORMATION ON MY CREDIT REPORT I WOULD LIKE A FULL INVESTIGATION WITH MY SIGNATURE SOMEONE WENT TO A SCHOOL IN MY NAME THIS IS NOT ME PLEASE HELP.
Complaint sub-issue: Reporting company used your report improperly

Equifax improperly stored my financial information. Their negligence has lead to the release of my information.
Complaint sub-issue: Can't use card to make purchases

Citi Bank lowers my credit limit then reports to credit agencies that I'm close to maxing out my cards when I haven't used either of the two accounts in months, then the credit agencies lower my credit score because I'm close to credit limit then Citi Bank lowers the limit more because my score went down, this is costing me {$1000.00} 's of dollars
Complaint sub-issue: Contacted me after I asked not to

I filed Chapter XXXX Bankruptcy in XXXX of XXXX and it was discharged in XXXX XXXX. My husband XXXX and we incurred over {$200000.00} in XXXX debt after the BK discharge and then in XXXX XXXX I was laid off of my job. I obtained a new job very recently and when Seterus took my mortgage over ( XXXX payments due ) I told them after they called me relentlessly that I was a discharge BK and I had NOT reaffirmed the debt. So I explained that they can not call me like this. However I did tell them that I wanted to work something out. But they said I needed a months worth of paystubs. I told them I would n't have that until XXXX at which time I would send in the workout package and begin the process. However they seem to ignore the laws regarding bankruptcy and continue to call me several times a day trying to collect payments. I understand they are a new servicer but that is why I informed them on DAY XXXX that I was a discharge BK so that they knew they were not allowed to call me like this. I have had enough and am seeking legal counsel at this point because apparently Seterus feels they are above the law.