Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. EQUIFAX WITH A SECOND HACK ON XXXX2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacyrights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this  Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Complaint sub-issue: Old information reappears or never goes away

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.
Complaint sub-issue: Information belongs to someone else

equifax, XXXX  and XXXX have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX after being discharged from the hospital for an aortic dissection, I cancelled my XXXX account in person, by phone, and by email since I could not log in online. For the next 6 months I tried to resolve whatever issue they thought they may have had with online chat ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ), by phone ( XX/XX/XXXX and a couple more ), and in writing ( XX/XX/XXXX ), and email. After processing payment for a phone they claimed I owed, they started charging my credit card for additional monthly service! On XX/XX/XXXX I had an Army JAG lawyer contact them to try to resolve the issue. Finally I contacted my credit card company to reverse the charges they were stealing from me. On XX/XX/XXXX they sent me a cancellation email claiming I owed {$570.00}. I responded with another letter to XXXX on XX/XX/XXXX explaining why I did not owe them anything. In XX/XX/XXXX, they had XXXX XXXX ( debt collector ) start harassing me about the money. O contacted XXXX, in writing, documenting my case. XXXX sent a response that the debt was valid but stopped the harassment. The credit card company refunded my XXXX charges leaving the XXXX and XXXX charges. The XXXX had another debt collector, XXXX, being harassment. XXXX filed a delinquency report on XX/XX/XXXX with XXXX. I contacted XXXX with my documentation and they removed the delinquency report. In XXXX, XXXX had ADNI, another debt collector, begin harassing me. On XX/XX/XXXX. AFNI filed another delinquency report with XXXX. Which I will have to refute again!
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Complaint sub-issue: Attempted to collect wrong amount

In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
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 : # XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Convergent Outsourcing Account # 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: Investigation took more than 30 days

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} EQUIFAX XXXX : XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. XXXX reported normally. I've called EQUIFAX a total of 30 times asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XXXX EQUIFAX informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. MEAN WHILE EQ IS SAYINTH THEY HAENT HEARD ANYTHING FROM XXXX Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time..
Complaint sub-issue: Information belongs to someone else

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Complaint sub-issue: Information is missing that should be on the report

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX, XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Information belongs to someone else

When I viewed my credit report I noticed it contain fraudulent item. Negative accounts impacting my credit score which is hindering me from my biggest purchase.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/XXXX, I checked my personal credit report and saw multiple and excessive unauthorized inquiries from XX/XX/XXXX to present. The unauthorized inquires and incorrect information drastically dropped my credit score, and ruined my credit. The incorrect information continues to ruin my credit. As a result, I am unable to obtain goods, products, and services that I would have normally qualified for through my hard work and success. These companies include but are not limited to : 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 The unauthorized inquires consist of multiple '' soft credit checks, '' for reasons unknown. I did not have business with most/all of these companies on the dates the " inquires '' were conducted. These inquires compromised my personally identifiable information, credit, safety and security as they were conducted WITHOUT my knowledge and consent. These aforementioned companies checked my credit LONG before I learned I was a victim of fraud in XXXX. I contacted these companies and confirmed they had the incorrect client name, incorrect client date of birth, incorrect client address, incorrect state of residence and more. Who provided my information to these businesses and service providers? Why was I mistaken for ALL these people?
Complaint sub-issue: Problem with rewards from credit card

I have been a Citi customer for almost two years. I have the Citi prestige credit card. One of the benefits of the card is an annual credit of {$250.00} per calendar year everytime the card holder. On XXXX XXXX, 2018, I was issued a credit refund of {$250.00} from Citi which was to come in the form of a check to the mailing address I have on file. It was supposed to have been at my address 7-10 business days. The latest I should have received this was on XX/XX/XXXX. I contacted Citi through their chat and I was told to wait a few more days. I waited until XX/XX/XXXX and was fed up, I contacted Citi again, they told me that the check was " abandoned ''. I verified my address on file and it was correct. I was told that I would have to wait two days for the funds to go back into my account. I could then contact chat again for a direct deposit since obviously, the mailing check option did not work. I contacted Citi in two days and was told to wait another two days. On XX/XX/XXXX, I spoke to a rep, she told me a check has been processed. I was extremely frustrated at this point. I expressed my frustration to the rep and explained why I was upset with the follow up. A rep promised me I would be getting direct deposit because I did not feel safe being sent checks since Citi did not even know it was " abandoned '' until I said something and it has been about a month for me to even be sent this credit back. The rep closed the chat on me, it was at this point that I felt powerless and I had to go through another avenue for followup. I hope the CFPB can assist with this. I do not plan on going forward with Citi at this point. I have been with Citi for about two years, they were one of my first credit cards. Unfortunately, I do not matter to them and the safety of my funds is not important to them as evidenced by the terrible follow up and the fact that a rep closed the chat on me.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Account terms

I recently submitted a complaint to the XXXX about Equifax not responding or removing inaccurate information on my credit report regarding a bankruptcy. Equifax responded stating, they verified it was mine through the courts. I called the court and they mailed me a letter stating they did not and do not verify any information to third parties and credit bureaus. The Sr. specialist who responded to my complaint then went and deleted all my history, all my accounts, and changed my current address. This malicious act was done the same day the XXXX gave me Equifax response. The only thing that is showing on my report is the bankruptcy in question. First I noticed a difference in my score on XXXX, then I called and spoke with an Equiax rep and they informed that the only thing showing on my credit is the banruptcy. I had over XXXX open accounts in good standing and a 9 year credit history. This action by this company has dropped my credit score by XXXX points intentionally damaging my creditworthiness further. I do have the identity of this person and their intergrity should be questioned as far as their job position and the power they hold. I am now in persuit of a legal representative.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Currently paying around {$500.00} per month for the past 3 or more years. My loan has a co-signer my dad who has since become XXXX. The 3 loans are in forbearance as Im still attending school. I have never missed a payment yet the principle on the loans keep rising and Ive sent them thousands upon thousands of dollars What is the company sallie Mae doing with the money I have sent them for over 3 years, as the saw and n television the other night they are vacationing in Hawaii on my money. I contacted them about 1 year ago because they told me when Im out of school my payments would be over {$1000.00} per month which is impossible for me to make and was told that was how much I had to pay like it or not. I would like to know where all my monies paid have gone towards as I feel like I Am dealing with a loan shark and I would also like to switch companies to one which will accept my $ XXXX monthly payment as that is what I can afford. Sallie Mae is horrible to deal with. Please help
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Their investigation did not fix an error on your report

I have an auto loan with XXXX XXXX  which was categorized as derogatory and had late payments. This was a mistake by XXXX XXXX  and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However equifax and XXXX  only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for equifax and XXXX  to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). Thank you.