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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CREDCO inquiry XXXX. XXXX, 2020 XXXX inquiry XXXX. XXXX, 2020 XXXX XXXX XXXX inquiry XXXX XXXX, 2020
Complaint sub-issue: Problem getting your free annual credit report

I have not been able to access my Equifax credit report online. I am ALWAYS able to obtain my XXXX and XXXX reports. It seems like Equifax has built in a frustration factor meant to deter people from easily obtaining there credit reports. The " http : //www.annualcreditreport.com/ '' site is useless for Equifax but works properly with the other two. This has gone on for four or five years. My credit and identifying information is known to me ; I am not answering Equifax ' challenge questions improperly. It's impossible to speak with a human at Equifax. So, that route isn't helpful. 

Please help me to motivate Equifax to allow me, as a consumer to access my credit report online. It's 2022. Please and thanks.
Complaint sub-issue: Problem getting my free annual report

My social security number was stolen along with my tax records.
Complaint sub-issue: Debt was paid

Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/2022, I checked my XXXX XXXX. I noticed that my score had significantly dropped. I then saw that my car loan through Ally Financial was in collections. I had no idea why. I've made every payment on time. They take the payment automatically from my bank account. As I have set it up this way since the beginning of my loan. I called the number for Ally financial provided by XXXX XXXX. I talked to at least XXXX people who were just as confused as I. They kept passing me on to the next person. Finally, a gentle man named XXXX helped me. He read through the notes and said they made no sense. He said that there was a note stating that on XX/XX/2022 I said that I will no longer be paying my account, but that didn't make sense that was 2 days before my first payment on the Vehicle. he then interpreted it to mean XX/XX/2022, but which makes no sense to me because no such conversation was ever held, and all calls are recorded. He also stated that there was a plan to repo XXXX XXXX, but for what reason he was not sure because he could see from his end that all payments were made on time, never once late. Also, he states that my account was sent to collections on XXXX XXXX which also makes no sense, because my payment date is on the XXXX. Also, it's the day before the supposed phone call. Now my account is in collections. with an extra {$170.00} attached to it. My credit score has dropped by almost XXXX points. I have 3 days ( 11 days at the time, ) for my XXXX son and I to move, and my credit is too low to move into any place now. I've tried to find a room to rent for now, but nothing is available for a single father in XXXX XXXX at the moment. All the rooms I find for rent are either for single men with no children, female only, or single mothers. now I'll be stuck living out of hotel rooms which are very pricey and will not have a stove to cook for my son and I while I slowly work on fixing my credit. XXXX XXXX said the only way to immediately fix my credit was to pay the remaining balance in full, plus the additional extra fee before XXXX, which would be impossible for me. especially with my now very low credit score, I wouldn't even qualify for a loan to pay it off. He tried to get me a discount but wasn't able to. he was so upset for me he started cursing on the phone saying this is all XXXX. He apologized for what happened to me and set me up with a new payment plan starting the next month so I could enjoy my XXXX with my son. After doing the math myself the plan he gave me actually was interest free and saves me {$5100.00} in interest fees. But in the end, the situation still puts my son and I on the road without a home and nowhere to cook. Also, it would hinder my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a month. I also Have a XXXX  to XXXX  for the end of XXXX that is paying {$25000.00} that will have to be canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.
Complaint sub-issue: Received bad information about your loan

My lender has been applying my payment to interest only and splitting the loans applying daily interest and charging me for the balance of the total loan offered. Despite the fact that I returned or only borrowed a portion of the original loan. My consolidation company has used the amount of all loans and applying that rate toward interest, by doing so the loan has been extended numerous times. I have been paying for this loan since 2006 and the loan balance has not changed. They are churning and creating new loans and using my original agreement to extend the contracts for another loan. This has happened numerous times as the original loans were for 72 months. I did not agree nor was I advised that this would be happening for the next 14 years of my life. I have tried to work with them but they offer a new loan agreement which would extend my loan payments further and do not offer to change original terms. As a private loan servicer they have no government oversight as consumers we have no rights or ability to change anything they only offer more loan products to extend the life of the loan and we are penalized for making payments late and or not agreeing to their terms.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed hard inquiries on my credit file that were not made by me. After 30 days Equifax sends me results back starting that these where actual and would remain on my report for 2 years. I then called Equifax to have these removed the rep I spoke with informed me that they dont actually look into Hard inquiries and have no way of actually deleting them. And I would need to call the company that did pull my report. However I feel this is the responsibility of the CB to do so and they lied and said they investigated it but didnt. 
I need these inquiries removed from credit file
Complaint sub-issue: Debt was result of identity theft

To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY ONE LLC failed to give me my " XXXX-XXXX  '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RECOVERY ONE LLC is held  liable as well for defamation and in the state of NORTH CAROLINA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with NORTH CAROLINA LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. RECOVERY ONE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Personal information incorrect

Equifax has the wrong telephone number, inaccurate accounts, and possibly other inaccurate information under my name. I have tried to log into my account on my.equifax.com account multiple times and it won't let me log in. I have inaccurate accounts that I have disputed, but I had to call their customer service line to dispute it.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Complaint sub-issue: Information belongs to someone else

My credit report on XXXX only for many months has shown a credit card from Citicards Cbna which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with XXXX, they indicated I had to speak with Citicards Cbna about it. 

I have called multiple numbers at Citibank and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when XXXX checks ( With whom I have filed multiple disputes ) they say that Citibank is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Complaint sub-issue: Public record information inaccurate

My Chapter XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal credit union bank. In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active bankruptcy. Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX auto loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, XXXX. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?
Complaint sub-issue: Received bad information about your loan

My loans were consolidated in XX/XX/XXXX under " Income Contingent Repayment '' with XXXX XXXX XXXX which has since dissolved. I paid my ~ {$540.00} dollar payments on time, religiously, during the time in which they serviced my loans, but Fed Loans for some reason has all of those payments listed as under " Extended Graduated Repayment '' and isn't counting them towards PSLF forgiveness which puts me behind by at least 14 months. The extended repayment plan had payments of {$2000.00} per month and I very obviously was not on that payment plan. I've attached the confirmation of my consolidation and application for ICR as well as the payment grid for each plan. If you look at my monthly payment history, it's very obvious at $ XXXX a month, I was NOT on the Extended Graduated Repayment Plan. 

Additionally, they still have yet to count payment for XXXX due to " no bill '' despite the fact that FedLoan themselves have electronic billing statements for those months, which I have enclosed. They are also not counting XXXX payments due to no bill, but I was billed and paid those months. This was when XXXX XXXX XXXX sold my loans to XXXX XXXX, I was not in forbearance nor did I voluntarily switch companies. 

I have contacted Fed Loans multiple times, attached the documents with proof, including their own electronic bills, and have had no resolution.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I applied for an XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX. I did this because they were offering XXXX milies as a bonus. Because I had an XXXX XXXX XXXX in the recent pass in my name not the XXXX, I wanted to make sure that we would qualify for the bonus miles because I am well aware of the " waiting period '' required to be eligible. After explaining this the person I talked with assured me I would be eligible. 
Having spent the required {$3000.00} ; last week when I inquired as to where were the bonus miles, the person said you are not eligible because of the timing but would submit an appeal. Today, XX/XX/XXXX, I did receive a letter from them saying " we added XXXX XXXX XXXX XXXX miles to your account. '' The bonus offer was for XXXX. 
I don't record my telephone conversations but XXXX XXXX probably does which would verify my comments. 
Bottom line, this is the second time this has occurred ( the other time with XXXX XXXX ). A credit card company should not approve an application for bonus miles if the person or entity applying is not eligible for the bonus due to the time interval of previous card ownership. To " string '' a person out so that they will spend the {$3000.00} upfront money in a 90 day period and then tell them " Oh, guess what, you weren't eligible for the bonus miles you applied for. '' This is an unfair business practice and the CFPB needs to do something about it.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020, I went to a credit repair service. Now that interest rates are low, I thought I would get a low interest loan intended for medical purposes. I paid the guy {$150.00}, and without my authorization, and without any signature, he went ahead and made a hard inquiry on my credit report. I was upset because that would lower my score. Also he was quite arrogant. So I left. The inquiry was with Equifax. I immediately disputed the hard inquiry. On XX/XX/XXXX, I got a message saying " Your Equifax Credit File Dispute is  Complete '', and urging me to press on a button and log in. 

Well I have been trying to log in since last Friday without success. I changed my password 5 times, I kept being locked out, so I called and after spending 30 minutes on the phone, I finally talked to an agent who informed me that HE CAN NOT REMOVE THE LOCK OUT. When I changed my password, I made sure it was written on a piece of paper, and yet it never worked.The system kept telling me its wrong. 

I need you to interfere because I know what's going on. Something similar happened to me last year. I have a competitor of mine by the name of XXXX XXXX ( and the woman 's name is XXXX XXXX ) who wants me out of business. So last year after finally having worked towards good credit and raised my score over 700, I  wanted to get an SBA loan. ( I am self employed, an insurance agent ). I tried to open an account with XXXX XXXX. ( I have one with XXXX   ). XXXX XXXX rejected me. 

Not only that but every single bank I went to after this said no. I could not understand why : XXXX, XXXX even very small banks. Apparently XXXX knows someone very highly place at XXXX XXXX and I was told that he put something on my credit so I can never get any loan. So my credit has been hovering around XXXX eve since. I went ahead and paid off XXXX of my credit cards two weeks ago so I can raise my score. But since this very highly placed XXXX  XXXX can do whatever he wants my score is never going to go up. This inquiry probably was not removed my Equifax. That's why they dont want me to see it. 
Can you please help me.?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed a lot of inquires on my credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Complaint sub-issue: Attempted to collect wrong amount

Professional Credit Service attempted to collected a debt for more than what was owed on my original debt. 

The original debt was for XXXX and they attempted to add on a fee of XXXX + interest charges of XXXX. 

The debt was eventually rescinded via the original owner of the debt. XXXX  of XXXX Utility Billing. ( I believe they messed up and sent my account to collections to early ) Professional Credit Service took a debt collection on XXXX XXXX when my due date was XX/XX/XXXX. 

Pretty sure both parties messed up and that's why XXXX of XXXX fixed the issue. However, PCS was hostile and wouldn't remove fees when I called to pay the original amount of XXXX. 

I had to call back XXXX of XXXX and have them rescind the collection request. 

PCS also wouldn't tell me if they were abiding by the law. I was under the assumption that collections were allowed until 30 days after due date. I would like to know the lawful ability for companies to send your account to collections to make sure PCS is abiding by federal law
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.