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

The following accounts listed on my Equifax credit report are fraudulent accounts and charges : XXXX XXXX XXXX  XXXX, {$260.00}, XXXX XXXX XXXX  XXXX, {$480.00}, and XXXX XXXX XXXX for {$500.00}. The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX/XXXX. All of my payments with the Following bank as been on-time and I have never had a late payment : XXXX XXXX XXXX  XXXX XXXX.
Complaint sub-issue: Debt was paid

I paid off a debt for a car from carmax. Recently I noticed that my credit report was being attacked an charged for the same debt that I already paid.
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. 

Account XXXX XXXX # XXXX, Account XXXX  XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a letter from Progressive Management Systems stating a debt had been assigned to them XX/XX/20. I received it mid XXXX and in less than 30 days of receipt I sent a letter stating I dispute their claim. 

I sent them a letter in writing disputing their claim via certified mail the next day, well with in the 30 days of receipt. 

I just received a notice that it had been added to my credit report with XXXX. This debit is properly disputed and should not be reported as such as this is not correct info. 

The company has never called me and has not supplied any data in response to my letter before they decided to tarnish my reputation.
Complaint sub-issue: Attempted to collect wrong amount

I have a credit card debt in collection. The collection agency is XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have been paying this debt to XXXX, XXXX, XXXX  XXXX with monthly payments of {$100.00}. I pay this amount on their web site. The problem with this collection is I never receive any statements total amount due. I emailed them twice with NO RESPONSE WHATSOEVER stating that I will no longer make monthly payments due to their secretive, no monthly statement collection practices ( see attachment ). I had also called them at least two times explaining my displeasure. It has been almost two months since I contacted them via the aforementioned emails and they have sent me a threatening letter with the total amount due. 
XXXX 's collection method is deceptive and I believe unlawful with consumer law. I am XXXXyo and living on a tight budget from my monthly social security. 
Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

EQUIFAX is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX.I believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... .. I am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now. 
So the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my EQUIFAX FILE right now.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Complaint sub-issue: Personal information incorrect

Equifax have my wrong date of birth. They are seemingly refusing to change it, in an act of gross laziness. I have twice faxed in my state ID to correct it. Each time I was assured it would be corrected within 48 hours. It was not, either time. I have contacted the XXXX  social media team, called 5 times, and faxed in my state ID twice.

To give an example of how frustrating it is to call, today I called once, and was told everything was down and they couldn't check anything, call back later. Then I called again later today and this time I was told it would take up to 30 days to correct. That's absolutely unacceptable. This error is making it difficult to apply for certain bank accounts and cards online. I was unable to open an XXXX account with a {$350.00} bonus because XXXX checked with Equifax and was unable to verify me due to Equifax 's incorrect information.

XXXX and XXXX   have the right DoB I believe.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently started a new lease with US Bank But due to some Bank error, I was not receiving statements. A Rep from US BAnk even confirmed that to me in an email as you can see attached.

The bank error caused me to be late on one payment that is currently already paid But no matter hao many times I try to reach ou to US Bank they are refusing to provide me proof that the statements were sent to me even after I was clearly confirmed that no statements were sent. And they refuse to remove the late mark from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Public record information inaccurate

On my report it is a tax lien which I have disputed before with   XXXX   and   XXXX    and they removed the inaccurate account. I have also disputed the account with Equifax and they keep saying it is accurate but it is not in fact and the other  XXXX  agencies have removed the account
Complaint sub-issue: Information belongs to someone else

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Complaint sub-issue: Sent card you never applied for

Someone tried to open a Citibank credit card in my name around XX/XX/2022. Received a letter from Citibank in the mail alerting me to the fact that someone was trying to open a credit card using some of my identification information. I figured this out given that some of the information in the credit card letter that Citibank sent in the mail was not familiar to me. I alerted Citibank and they initiated an investigation and closed out the credit card account. No money was lost and all three credit reporting agencies were alerted to this fraud.
Complaint sub-issue: Problem with customer service

Called on XX/XX/22 and requested refund of payments made during XXXX pause. XXXX was finally increased on XX/XX/22. Refund should have been in the amount of {$6100.00}, instead it was in the amount of {$4600.00}. Refund was short {$1500.00}. These were the payments made to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and therefore eligible for payment refund. 

I have called and talked to several different people at MOHELA and been on hold for hours for a supervisor and no one seems to know anything about this and/or why the refund wasn't processed correctly.
Complaint sub-issue: Debt is not mine

Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} Equifax XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Discover Bank ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Complaint sub-issue: Old information reappears or never goes away

I have several collection accounts with this agency and they should be from XXXX and XXXX. However they were reaged to XXXX ... When the creditor took it over. This account has been illegally reaged.
Complaint sub-issue: Can't use card to make purchases

Today ( XX/XX/2022 ) I tried to make a purchase with my Citi AAdvantage XXXX XXXX credit card. It was declined right away. 
After checking my remaining available credit I figured that it is too low for that purchase. 
However, the payment for the XX/XX/2022 statement was processed on XX/XX/XXXX which should have given me more than enough remaining available credit. 
I called Citi and tried to solve the problem so that they apply the XX/XX/XXXX payment to my credit card account. After almost 1 hour and thereof 30 minutes waiting for a supervisor I hung up. 
Then I called the company I made the purchase with to split the payment among 2 credit cards. Also that payment didn't go through because now it got flagged as 'fraud '. I called Citi again and had to go through a ridiculous verification process : they didn't accept both of my XXXX mobile phone lines ( no reasons given ) - one of them a company mobile phone, I answered all of their security questions correctly, but it still was not enough to verify it's me. Then they wanted another credit card, from another credit card company, to verify. I gave them my XXXX credit card and they called XXXX to verify me. After another 10 minutes they came back to go through every single purchase I made over the last 2 weeks. 
I think they unjustly deny access to my money which is not acceptable.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.
Complaint sub-issue: Used obscene, profane, or other abusive language

My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.
Complaint sub-issue: No notice of investigation status/result

Equifax has removed delinquent items from my credit report, yet my score never changed. My report now matches the other XXXX agencies where my score is XXXX is near XXXX. I need them to explain why my score with Equifax is XXXX, nearly XXXX points less than the other XXXX agencies ( See Attachment ). How is it I 'm almost XXXX points different between XXXX agencies? 

Equifax never mentioned in writing why TAX liens that were RELEASED, not paid as the State of CA. Filed them in error were not removed. As per the law they should be removed since Equifax did n't return an answer within 30 days. The TAX lien has been removed by the other XXXX credit reporting agencies.
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX  XXXX XXXX, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from AMERICOLLECT ( original creditor is XXXX  XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act.
Complaint sub-issue: Personal information incorrect

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.
Complaint sub-issue: Can't get flexible payment options

I have called both department of education and the federal loans agency pertaining to appropriate forms and options. 
I found out I had to apply for public forgiveness and income driven repayment ( XXXX payment ). I have filled out these forms both hardcopy and electronic. I faxed the hardcopy to the number provided on the form itself and the electronic side was additional documents that did get confirmed ( received ). 
I call a few days later to make sure everything went through and they claim they did not receive any forms to process. I submitted the forms over XXXX times. they are not flexible and continue to charge me despite my attempts to resolving and managing my student loans.
Complaint sub-issue: Can't temporarily postpone payments

Lag in affording classes due to divorce and XXXX child. I can not work because of my XXXX child, which I have in writing. Will not resolve initial request for Forbearance or Deferral. Was told they needed documents. Sent some. No response. Now they claim the initial request was never received.
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. 

Account name : 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 XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't decrease my monthly payments

Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.