Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account multiple times and Equifax removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

XXXX XXXX Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. Equifax is continually allowing creditors who are unauthorized to access my information and this is against my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.
Complaint sub-issue: Information belongs to someone else

I recently just have reviewed my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX fcra violations remove it : XXXX XXXX
Complaint sub-issue: Personal information incorrect

Equifax is refusing to correct my address on my report. They wo n't show my home address and want to show a business address. This is a major negative impact on my credit score because my credit is based on my home address NOT where I work and Equifax for months has not corrected this error despite my constant and repeated request for them to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. 
Below is the email that I sent to XXXX on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. 
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account. 

1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account. 

Please feel free to contact me with any questions. 

Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a  secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
Thank you.
Complaint sub-issue: Information belongs to someone else

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; 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 XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act,

15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institutions are suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Debt is not yours

I sent a letter to I.C. Systems on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

XXXX XXXX  Account # XXXX XXXXXXXX, XXXX
Complaint sub-issue: Other problem

Today banks and credit card companies have disproportionate advantages and monopoly on transactions. 

Citigroup is using that monopoly to punish lawful merchants of firearms. This abuse sets a dangerous precedent of companies that are gate keepers for a consumers money and is extremely harmful. Today it is firearms but this is possible with anything a credit card processor may agree or disagree with.

Citigroup should also be punished for the age discrimination they are attempting to impart on the merchants in question. 

I would like to know how Citigroup is going to remedy this situation and what the next steps are from a corporate governance perspective. Specifically Id like Citigroup to define how their bank will or will not interfer with lawful transactions going forward.
Complaint sub-issue: Didn't receive enough information to verify debt

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH MRS XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX
Complaint sub-issue: Reporting company used your report improperly

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX  {$830.00} Opened XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Debt is not yours

TitleMax has been calling me several times a day for the last 8 months trying to collect a debt. I have never had an account with them and have asked them several times to stop calling because they have the wrong number. They always agree to stop but still continue. The number they are calling from is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to XXXX.  The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section XXXX of the CARES Act amends the Fair Credit Report Act ( XXXX ) to address coronavirus-related accommodations made by furnishers. New XXXX  XXXX ( XXXX  ) ( XXXX ) ( XXXX ) requires a furnisher making a XXXX related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have several outstanding 0 % promotional balances with Discover Card, they sent me an offer for a 3.99 % offer that lasts for 15 months. When I made a payment to pay off a 0 % balance transfer that was expiring they applied the payment to the 3.99 % balance transfer instead of the the expiring 0 % offer and converted the expiring 0 % balance to a puchase which they charged 14.99 % interest on. When I spoke with them they stated it is in the terms and conditions and it was spelled out in the balance transfer offer on how payments are applied and they would not change anything. I asked which section of the terms and the conditions it was spelled out and the representative said he did not know. He finally agreed to mail me a copy of the terms and conditions. He refused to provide it electronically even though that is how I accepted the offer. This balance transfer offer was misleading and deceptive in that it was not clear that accepting a low interest balance transfer was going to cause a balance to convert to a purchase and incur higher interest rates
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.
Complaint sub-issue: Didn't receive enough information to verify debt

I extended credit to Discover financial services for the amount of {$200.00}. After the account became XXXX the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney GeneraXXXX XXXX and the FTC.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX BUSINESS  TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX -XX/XX/XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXXand paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and Equifax all three have failed to dispute correctly and are in direct violation of the FCRA.
Complaint sub-issue: Information belongs to someone else

I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I have XXXX XXXX XXXX. I was in the process of 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 in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in XXXX XXXX XXXX and XXXX XXXX and found out my Medicare had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.
Complaint sub-issue: Public record information inaccurate

This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.
Complaint sub-issue: Information belongs to someone else

i believe this account is not even belong to me
Complaint sub-issue: Card was charged for something you did not purchase with the card

This bank is horrible to me I didnt even use my card I lost it and saw a fraud charge large amount they refuses to help me when I called them to report this that I had lost my card and found a charge I didnt even begin using my account Im a new cardholder and their giving me this experience and hard time they refuse to refund me my money its nit fair I should be liable for this charge it was unauthorized but they tell me they dont have a zero fraud liability and I reported this promptly
Complaint sub-issue: Account status incorrect

Great Lakes is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

XXXX XXXX The Bank of the West has been charging my account {$70.00} USD per transaction for insufficient funds fees. I don't have any such agreement and I believe this is unfair debt collection practices. They have already been told to stop charging extended overdraft fees also. Because the Bank had a merger and I feel like they are trying force me to close my account. I was charged due to a banker errors, but instead of fixing it, they reported me to XXXX XXXX. I want them to be fined for everyone they are taking advantage of during the recession.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX I submitted a dispute to Equifax regarding some accounts on my credit report showing the incorrect balances. I am trying to obtain a mortgage loan. After speaking with a loan broker I was adviced to cancel the disputes that the loan broker will make sure all the account balances update accordingly. I called Equifax XX/XX/XXXX in which they adviced me to fax them a letter canceling my disputes. I faxed the letter on XX/XX/XXXX. OnXX/XX/XXXX I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.

I am missing : - XXXX XXXX  credit card -XXXX XXXX credit card -XXXX   credit card XXXX XXXX credit card -XXXX XXXX credit card -XXXX XXXX XXXX XXXX then the XXXX XXXX credit card is showing an old reporting age not the most recent one of last month.

These all were showing as of yesterday, they had been there since opened few years ago, all accounts are supposed to be open and in good standing.

I called Equifax and they can not help me. They have no response as to how my file got 99 % deleted.

I called all my creditors and they say they report to the bureaus monthly and can not explain how Equifax has done this. 

This is hurting me more than ever. I need my credit report to show.