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

I been having issues with my credit and been checking my scores online with XXXX XXXX and noticed XXXX Hard inquiry again someone use my info for fraud. They applied for a XXXX XXXX card in XX/XX/2017 and took a loan in year XX/XX/2017. Also they have employment info as XXXX XXXX I never worked there or know what it is.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 XXXX AZ XXXX CXXXX XXXX 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: Investigation took more than 30 days

I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.
Complaint sub-issue: Didn't receive services that were advertised

Since the equifax breach I have been unable to work. My computers have been hacked into as well as my entire neighborhood. I have been accused of the data breach and without employment I am no longer to provided for my family.
Complaint sub-issue: Information belongs to someone else

Credit reports state I have a repossession account in which I do NOT have with VW. Please delete.
Complaint sub-issue: Account information incorrect

I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????
Complaint sub-issue: Account information incorrect

XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, duplicate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

They also did not update my personal information per the request made in XX/XX/XXXX that was sent via mail XX/XX/XXXX.
Complaint sub-issue: Old information reappears or never goes away

I am employed by XXXX and have been employed for 8 months. At the beginning of my employment I passed all the background screenings and have been employed for 8 months, all of a sudden I received an adverse action email from XXXX stating that my background check from their background company showed two outstanding XXXX. I questioned this with them because I have been employed 8 months and already passed the background. 
Upon dealing with Checkr, who is the company XXXX uses for these screenings, I did find out about two XXXX in XXXX XXXX AZ. Case # XXXX from XX/XX/1998. This is very old and was not accessed when I first applied so I do not understand why they can use this against me at this time and barr my employment. 
I have contacted the court and set-up a payment contract with them and they will be removing the XXXX but I am not sure if I will be getting my employment back. So I have a couple questions : Why is these XXXX not off my report due to length of time passed Why after 8 months of employment did they have the right to rerun my background and provide new information when I did not agree to any new background checks. 
I have provided Checkr with all the information that the court has provided me but they have not cleared this report, which the court said would be immediatley cleared asap and XXXX lifted when payment contract was started I want to make sure I am able to go back to work and I want to know if XXXX and Checkr are allowed to do this.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax/XXXX Credit Reporting Agencies Credit Report DatedXX/XX/XXXXUpon receipt of credit report datedXX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have called Equifax and XXXX on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use Equifax Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.
Complaint sub-issue: Personal information incorrect

Please be advised that you are reporting the wrong Previous Addresse, see proof of address enclosed. Equifax is not compliant according to the FCRA Metro 2 reporting laws and are in violation. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Complaint sub-issue: Didn't receive enough information to verify debt

Collection dispute involving EOS CCA Date Opened : XXXX XX/XX/XXXX For an account balance of {$260.00}. 

I believe this was for a bill from XXXX XXXX in or around XX/XX/XXXX for my previous residence at XXXX XXXX XXXX, XXXX VA. My account was on auto-pay with the company at the time. I was XXXX to another state ( I am military and can produce orders of the move if asked ), and turned in my internet / cable equipment to the store at XXXX XXXX XXXX XXXX in XXXX, VA on or about early XX/XX/XXXX. 

I asked the attendant there if any additional charges would be leveraged when I turned in the equipment. He said no, but they may charge one final bill after assessing it. I said my card was on file with autopay and they could charge me via autopay. He said they would and I left. I did not know this account was overdue until XX/XX/XXXX when it was in collections and had showed up on my credit report. 

I immediately called the collections manager and told them what had happened. I would be willing to pay the amount due if they could give an itemized list of what I was charged for additionally considering I had turned the equipment in to XXXX. They said they would mail me the bill. When I received the bill it was just for the amount due. The creditor stated that I would need to call XXXX for a resolution to the issue of itemization. When I contacted XXXX, they stated that they do not handle accounts in collections. 

I do not believe the amount of {$260.00} dollars is the actual amount I owed. I turned in the equipment as required and my monthly bill was around 80 dollars a month.
Complaint sub-issue: Problem during payment process

XXXX  has been non-compliant with removing the unverified account ECMC which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ECMC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I had a fraudulent activity on my account and notified my bank. They gave me the provisional credit on XX/XX/XXXX then reversed it XX/XX/XXXX its impossible to get anyone from the fraud dept on the phone. I never got the explanation letter for the reversal.
Complaint sub-issue: Investigation took more than 30 days

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Complaint sub-issue: Account status incorrect

I have contacted this agency 3 times to remove this late payment from my account as they stated I paid late in XX/XX/2017, but that is not true, They refuse to respond to me
Complaint sub-issue: Reporting company used your report improperly

I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

I deposited 2000 dollars and it was sent from my XXXX  account immediate transfer. Days later they can not tell me why there is still a hold on the money. Money that is transferred immediately should be like cash deposited into the account. 

I called twice and they don't seem to understand what I am talking about In addition they are declining my transactions without any cause even though the money is in there which I have heard lowers one credit score. 

I do have screen shots and recordings of this happening
Complaint sub-issue: Debt was paid

Comerica Incorporated ( Comerica ) has flagrantly and diligently violated several federal laws. CEO XXXX XXXX, CCO XXXX XXXX and CFO XXXX XXXX are all criminally liable pursuant to 15 USC 1611 ( 3 ). Attached below is my first Affidavit of Truth to Comerica Incorporated ( Comerica ) which they received and signed for on 03/11/2021. I have outlined all of your company 's violations of federal law in detail and provided clear conspicuous break down of all related federal laws. I have not included any requests in my Affidavit of Truth below but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, natural person and federally protected consumer. No bank can originate, lend or extend credit and pursuant to 12 USC 1431 Comerica Incorporated ( Comerica ) are simply borrowers. My Affidavit of Truth is the first step in my private administrative process to give Comerica Incorporated ( Comerica ) a chance to resolve these issues ( all there violations of federal law ) by providing my demanded remedy included in my attachment below immediately. Failure to do this, using deceptive delay tactics or stating false informations in regard to these issues to avoid providing my demanded remedy will only worsen things for your company. Comerica Incorporated ( Comerica ) has caused me severe personal injury over at least the last 5 years. I advise whoever at Comerica Incorporated ( Comerica ) who receives this CFPB complaint and Affidavit to forward it to your executive team and legal team. Such individuals will understand what this attached document signifies and means. As this is my first step in my private administrative process, I hereby implore your company to resolve matter immediately to avoid future litigation.
Complaint sub-issue: Reporting company used your report improperly

Equifax reported a data breach affecting almost 200 million people, admitting to having had inadequate protections in place. In response, Equifax is offering a year of identity protection services - starting next week, and included verbiage in the agreement that negated the consumer 's right to sue ( clearly a XXXX measure ). 

As one of the " big three '' credit reporting agencies, Equifax should have had better data security in place, and should not be removing consumers ' legal options in the aftermath of such a colossal breach.
Complaint sub-issue: Public record

Good Day, recently I 've attempted to get some information removed from my credit report which still shows that a IRS tax lien is applied to my account. This lien has been released for approximately a year now and has not been removed from my credit report. I 've contacted Equifax XXXX on this matter and each time they simply reaffirm the fact the lien has been released yet fail to remove it from my credit report or reflect the fact that it has been released. Also it would seem that they are allowing companies to change the date of when derogatory remarks were applied to my credit report to allow them to reflect poorly upon me for a longer period of time. Any help in this matter would be greatly appreciated. 
XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I spoke with Nelnet and advised them that my loan keeps going up even though I was making payments each month on time. They told me that I would need to go into a higher repayment plan ( standard repayment instead of graduated repayment ) in order to have my payments go towards my principle. I am making payments now and am having the same issue. My payment amount is {$280.00} per month and I am paying {$300.00} and my payments are still not being applied to principal. I do not see how this is ethical. All of my other loans that I pay, I pay the same way, however, I am actually lowering my balance.
Complaint sub-issue: Threatened to take legal action

I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. 
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. 
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
Complaint sub-issue: Deposits and withdrawals

Ally randomly decided to block my access to my savings and money market account. 
And the associated funds.They claimed I had too many external verified accounts and transfers. ( All under my own name )
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act accounts XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a 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: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
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
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of 2022 this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent Equifax Data Breach in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Complaint sub-issue: Account information incorrect

I was a victim of Equifax data breach. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.
Complaint sub-issue: Can't stop withdrawals from your account

My husband and I was in the process of buying a home. Two dates were set for closing and we did not close due to paperwork being submitted on the supposedly closing day by the loan office XXXX XXXX at Bancorpsouth. In the process she did a hard inquiry on my credit.I asked and she XXXX XXXX it was a mistake.She advised me to make a payment on my credit so she can do a quick turn around on my score.my score went from a XXXX to XXXX. We never closed on the 2nd closing date. ( XX/XX/XXXX ) I never received a call, text, nor email that day. I called, text, and reached out to her manager XXXX XXXX and informed him on what was going on. He assured me he would call me back and I havent heard from him since. She emailed and said she will call but never did. I called her only to find out we still wasnt closing and she flipped the loan and I had to pay more for closing with down payment assistance. Our last day in our recent home XXXX of XXXX Now we are currently living in a hotel. I asked her when I finally spoke to her and she still couldnt give me a date to close. I backed out. Now Im currently looking for a home for my family.this has been emotionally draining. Today, the bank charged me a XXXX appraisal fee and we dont have a home because of her mistakes. Can someone please help us?
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 XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Transaction was not authorized

CITIBANK allowed 9 transactions to occur through my CITI BANK account. When I contacted CITI BANK about this issues they did not issue me a provisional credit and denied my claim wihtout ANY investigation 48 hours later. They said it was because i only reported 2 of the 9 fraudulent transactions. I was waiting to report the other transactions bc I was combing through my bank statements trying to make sure I had everything in order. I submitted the first two transactions first because they were for large amounts and i was stressed and wanted to get the ball rolling. 

some of the transactions that i reported and were fraudulaent are XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX