Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, 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 SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of XXXX  XXXX  but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX Equifax, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX Equifax, and XXXX remove this public record off my credit report asap. My XXXX and age is playing a big part of XXXX Equifax, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX Equifax, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.
Complaint sub-issue: Information belongs to someone else

Hello. My identity was stolen from me. There are some fraud accounts noted on my credit report. My son, who is a XXXX  told me that I needed to file a complaint to make sure that the accounts on my report would be handled correctly. I have attached my Identification along with my federal trade commission report and any other supporting documentation you may need. Please help me.
Complaint sub-issue: Can't decrease my monthly payments

I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.
Complaint sub-issue: Account status incorrect

I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Complaint sub-issue: Their investigation did not fix an error on your report

i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX XXXX  is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX experian is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX equifax is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE 1 LATE PAYMENT THAT ARE NOT CORRECT I HAVE 1 COLLECTION ACCOUNT THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.
Complaint sub-issue: Frequent or repeated calls

XX/XX/2020 I was unable to make payments on my insecure debts due to another illegal collections action which set all of this in motion. I hired a third party debt settlement group to handle my collection yet this company did ignore and did not respond to them and started calling my place of employment twice daily and my bosses started getting upset with them and me they were harassing me at my place of employment and continued to rack up late fee charges and interest to my account Now I have a XXXX XXXX court hearing to set aside a default judgement I had no prior knoweledge to being served any court papers of but I did get court papers of a default judgement
Complaint sub-issue: Information belongs to someone else

On or about XXXX someone called CitiBank ( BestBuy Credit Card ) and claimed they were me and had my address changed on my credit card account to an address in another State which I have no association with. I was alerted to this information on XXXX through XXXX XXXX XXXX ( which is really XXXX XXXX as the change of address had been reported on my credit report. 

I immediately contacted XXXX where we were able to find out the change came through CBNA ( CitiBank ). I then placed a freeze on my credit and contacted CitiBank directly. 

When I spoke with CitiBank I found out the person calling in just used my name and the last four digits of my social security number and was able to change my address. Nothing else was changed ( phone numbers, etc. ). No one at CitiBank ever contacted me through any of the channels provided to them XXXX phone call, txt, or email notification, etc ) regarding the change, nor where any of my three security questions ever asked to the person changing my address. The person I spoke with at CitiBank was able to give me the last 4 digits of the phone number that made the call but was not able to provide the entire number and said I would need to speak with the CitiBank Fraud Investigation Dept on Monday. At the time of this call I also had the address changed back and had new cards issued. 

After I ended the call with CitiBank I immediately locked my credit with all three reporting agencies. While I was examining my XXXX credit report I also saw the change of address and an inquiry from XXXX XXXX  XXXX GA on XXXX that was not related to any credit that I was applying for. I contacted XXXX XXXX and I was given another address in GA XXXX different than thXXXX XXXX on my credit report where this inquiry came through ). There was a phone number for the bank on that inquiry and I believe it belongs to a representative in their XXXX FL office and I called it and left a message on their voice mail. I have not heard back as of yet and will be following-up today. 

This morning I contacted the CitiBank Investigation dept to find out more information and they would not provide anything and were basically not interested in pursuing it any further since as of this date there has been no fraudulent activity on my card. 

In my opinion CitiBank was negligent in their duties to me as their customer for not contacting me to alert me of the change of address. I had to find out through my XXXX XXXX XXXX of the change. It's ironic that CitiBank is the first credit card to deny payment whenever I travel and go to buy a {$10.00} item with my credit card when traveling out-of-state and then immediately send me a fraud alert email or call me. Here my address was changed on my credit card which affected my credit report and I was never contacted!!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Complaint sub-issue: Information belongs to someone else

i was victim of identity theft, somebody used my personal information and opened accounts on my name.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  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 that a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Not given enough info to verify debt

Sent them a letter asking for verification and legal validation of this on XXXX. They have ignored me.
Complaint sub-issue: Information belongs to someone else

I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The XXXX XXXX accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.
Complaint sub-issue: Trouble with how payments are being handled

I am a co-signer of a private student loan with XXXX XXXX who uses FirstMark as their servicing company. My son makes the regular monthly payments while my husband and I make additional payments on his student loans. On XX/XX/XXXX, we made an additional online payment of {$1800.00} and specified that it be applied to only 1 of the 5 notes that my son has. This amount was an exact payoff amount for this specific loan. I even had a FirstMark loan officer on the phone with my husband and me to verify that it was paid in full. The loan advisor said that he could see in my account that the loan was paid off. 

On Friday, XX/XX/XXXX, we were shocked to see from my online account that this loan was not paid off in full but rather our {$1800.00} was divided into 5 payments of {$360.00} and applied to all 5 loans. WHO CHANGED MY ONLINE PAYMENT? We have heard that it is against the law to go into someone's account and change their payments. This is not the first time FirstMark has ignored our special instructions and paid loans not intended to be paid. In fact, this problem has been going on since XX/XX/XXXX and continues today. We have spent numerous hours on the phone correcting mishandling of our additional student loan payments. Corrections have been made month after month but we do not know how much money was lost by their mistakes. Remember, these loans accrue interest daily. My husband and I feel that they are intentionally preventing us from early payoffs of targeted loans. We are frustrated but will not be deterred from meeting our goal of paying off our son 's student loans early.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Problem getting my free annual report

My annual free credit report from Equifax is unavailable online. 
Last year I was required to print and fill out a paper form and mail it, along with other documents containing my SSN and complete identification information, in order to receive my report. This year they have imposed the same requirement. The other credit reporting agencies do not require this. Why does Equifax? Are they choosing to put me at risk of identity theft in order to discourage me from requesting my report?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022, I was charged {$7500.00} to my Discover credit card. I saw the charge during the night, but did not call until I woke up for the day around XXXX. I called Discover and they immediately closed the account and started the fraud investigation. After doing their research, they determined it was an authorized purchase because of my card was not reported as stolen, I was in the geographic location of the purchase, and that I sent them a confirmation text which I do not recall ever sending. 

I have sent Discover a screenshot of my account statement where the transaction says for the above amount. After they concluded their investigation, they posted {$9000.00} to my account, and the reasoning behind the extra {$1500.00} was that it was a " tip for services '' that was not posted before the account was closed. After asking for the receipt so I can verify my handwriting and signature for the purchase, the merchant ( XXXX XXXX ) and Discover have failed to provide any documentation. The failure to produce simple documentation such as a purchase receipt is good evidence this is fraudulent activity. 

The same night, two of my other credit cards were tried for {$3500.00} and {$2500.00} respectively. Both those cards blocked the transactions and sent me new cards and that was the end of it. My Debit card was also used that night to make two {$400.00} purchases which Mastercard investigated and all that money was credited back to my account upon the completion of their investigation.

My bank 's investigation and ultimate ruling in my favor for two fraudulent charges that occurred the same night as this Discover situation should be a good indication that what was happening that evening was not me. Someone was charging my cards without my authorization and I would verify much appreciate seeing the documentation where I signed off for a purchase of {$7500.00} with my handwriting of a {$1500.00} tip on the receipt.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate some inaccurate accounts on my credit report and I have not heard back from them. They have not responded in nearly 2 months and I am very frustrated because this is not the first time I have tried. I also tried to get it fixed by contacting the furnisher directly and they did not resolve it, instead they told me to contact the credit bureau which I already did that. This company willingly violated the FCRA by not completing their investigation in 30 days and they never provided any results.
Complaint sub-issue: Their investigation did not fix an error on your report

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : {$1400.00}. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.