Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There was an error with a account that was accidentally disputed in error. Home Depot Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the Home Depot Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the Home Depot customer service center on XXXX, 2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company Home Depot, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted Home Depot Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted Home Depot, verified the account with the authorized user to customer service representative and authorized Home Depot to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.
Complaint sub-issue: Information belongs to someone else

This is a complaint against LendingClub and XXXX, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
Complaint sub-issue: Information belongs to someone else

I attach the list of the accounts from the fraud on my credit
Complaint sub-issue: Other problem getting your report or credit score

I subscribe to Equifax product for my personal use to keep accurate track of my credit score and report. For the past 3 months I have paid for my credit score XXXX x2 XXXX x2   XXXX x2 .Dor the month of XX/XX/XXXX thru XXXX my credit score hadn't changed or updated it has been XXXX since the XX/XX/XXXX and they took my money XXXX and XXXX advising I will receive a updated report. You will find attached same score XXXX  just the date change. It has not been updated. They only update once a month. But they lie and tell you it update daily. As you see the only thing changes is the date. XXXX XXXX  pulled my credit onXX/XX/18 and they show my credit score as XXXX they pulled it from Equifax. How is this possible? I can explain they are selling a outdated product with inaccurate credit scores. Why my score is not reflecting to the information shown on this denial letter from XXXX XXXX. Equifax is a scam .I want a immediate refund for all product purchases I have ever purchased. If not I will start a class action lawsuit because surely I am not the only one they have scammed. Explain how on XX/XX/XXXX I paid that day for product and my credit score is XXXX  and on the same day XXXX XXXX pull my credit and it was XXXX. My credit score has been XXXX on Equifax product since XX/XX/2018. And has not updated. But they charging me for old information and inaccurate.
Complaint sub-issue: Debt was result of identity theft

MRS BRO LLC has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to MRS BPO to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
Complaint sub-issue: Fee problem

Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.
Complaint sub-issue: Reporting company used your report improperly

Hello, I recently did a pre qualify soft pull for citi bank But the application passed through my credit report as a hard pull. By the fair credit act if they can '' t prove that this report was a hard pull then they must delete this Item.
Complaint sub-issue: Their investigation did not fix an error on your report

Received notification from Equifax that my dispute had been resolved, and that the disputed information was accurate. Therefore, I contacted the collection agency but they were unable to locate any file on me or any indication that I had ever had an account with them. I also called the original creditor, my account with them is in good standing, and always has been. They too were unable to find any evidence that I had ever been past due with them. Lastly I called Equifax. I was placed on hold by their computer and eventually another computer came on the line and asked me to rate the conversation. I never had a conversation with them as no person ever picked up the line. 

I would like to know how Equifax decided that the past due account was mine given that neither the collection agency nor the original creditor was able to locate a past due account of mine, or that I had ever had a past due account with them. My account with the original creditor is, and always has been in good standing since opening. Further, the collection agency had no record of me at all. I have never received any communications from either company about a past due bill. 

I can only conclude that Equifax did not do their job and has no information linking me to the collection account in question. Their statement to me that the disputed information is accurate is fraudulent. I therefore request that the collection account reported by Equifax be permanently removed from my account and I would like an apology from Equifax for reducing my credit score.
Complaint sub-issue: Card was charged for something you did not purchase with the card

on XX/XX/2021 XXXX XXXX XXXX of XXXX, CT came to my home to fix a clogged basement drain They stated that the problem was a collasped sewer line and the bill would be between XXXX and XXXX but the price soared to XXXX most because of unnessary work. I was never given a oppurtunity to get a another estimate, for as XXXX was telling me thwe problem as the electric company arrived to draw the dig lines. I was advised that XXXX XXXX XXXX would apply for credit for me. On XX/XX/2021 I was confronted by the tech on the job that I needed to handle the bill I advised him that XXXX was suppose to handle it. He did not move his vehicle so I could go to work. On XXXX XXXX after the work was completed the same tech called me at XXXX to say he was outside and would stay til I dealt with the final payment. he came in and called Greensky of XXXX GA and opened an account for 28.99 % XX/XX/2021 I received a letter from XXXX XXXX XXXX. I had no idea about this account or what is charged on it As of this time I have neither seen a bill or any account what so ever from XXXX XXXX plumbing. I have no idea how many accounts have been opened by XXXX XXXX plumbing. I believe that XXXX XXXX XXXX engaged with both XXXX and GreenSky in a scheme of predator lending.
Complaint sub-issue: Account information incorrect

I pulled my credit report today to find out that XXXX XXXX had pulled a hard inquiry on me in XXXX XXXX 2016. I have never applied for a discover card. I just spoke to them on the phone with their risk dept. I gave them the date of the inquiry and my personal information. They tell me that they have no record of e or an application from me. I am a small business owner. these hard inquiries have a lasting negative effect on my credit score. I want this inquiry removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.
Complaint sub-issue: Investigation took more than 30 days

I am attaching a letter that I sent to the credit bureaus back in XX/XX/XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
Complaint sub-issue: Information belongs to someone else

i was victim of identity theft several account were open fraudulent
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The company is IQ data and they are still taking my money after disputing and they have proof they its waived off and its under process and they are threatening that non-payment within 15 days would affect my credit score! 

Her name is XXXX XXXX and my account number is XXXX. 

And during the pandemic she is not waiting to see the final dispute result instead threatening me. 

Their number is XXXX
Complaint sub-issue: Report improperly shared by CRC

I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with 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 a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Debt was result of identity theft

I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The account is under the name XXXX XXXX for XXXX XXXX. I have never used that name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX DID NOT PROTECT MY PERSONAL INFORMATION SECURELY ENOUGH WHICH LED TO A HACKER GAINING ACCESS TO PERSONAL DATA
Complaint sub-issue: Information belongs to someone else

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Complaint sub-issue: Trouble with how payments are handled

I sent a letter to FedLoan Servicing in XXXX 2016 explaining that I would like all the extra payments I make to be applied to the principle balance of the loan, rather than to interest. I have just discovered that for the past 7 months, they have continued to apply my extra payments to interest, despite my wishes. They never sent me acknowledgement of receipt my request, yet when I call their XXXX number there is only a computer that responds. I feel I do not know how to contact them in order to apply my extra payments to my principle, which hurts me in the long run as it extends the payment period and increases the overall amount that I will be paying back.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2014, XXXX claims that I called them and accepted financial responsibility for a specific phone line, the person who placed the call had personal information about me. XXXX began sending bills to an old address of mine. Not one single call was ever placed from the billed phone line. The account went into collections in XXXX of 2014, with the collections appearing on my credit report. Numerous calls to XXXX denying that I made that acceptance call with a request for proof of a contract with my signature on it or the phone number that the call was placed from ( surely XXXX has caller ID and is aware of who made the acceptance call ) went unanswered. XXXX 's fraud department has repeatedly insisted that it was me that made the call, although they refuse to disclose the phone number it was placed from, or the fact that an old address was given that I could prove with a change of address form from the US Postal Service, or to provide me with proof of the phone call ( all calls are recorded for legal reasons ). XXXX continues to harass me with this collection, erroneously extending the date of first collection, affecting my credit score and numerous financial transactions. I will NOT pay a debt to XXXX that I don't owe, and I'm sure if this has happened to me, it's happened to others, but I'm not in a position to hire an attorney to resolve this issue and XXXX, so far, has refused to discuss the issue with me.
Complaint sub-issue: Didn't receive notice of right to dispute

in XXXX Equifax had a data breach. I called in XXXX, XXXX and was told no I am no part of it. I finally got sick of accounts and inquirys being opened and checked the extended Equifax breach site for those still missing restitution. I never received the initial payment because I was told I was NOT PART OF IT. I cleared my record borrowing money, store cards, banks, you should be able to find the XXXX to the current date that I am trying to clear up. 
The head attorney is such an XXXX. I was XXXX until XXXX but then XXXX. I fought a medical bill from XXXX when I was XXXX in XXXX, XXXX XXXX or XXXX or something. They finally discharged the debt last year. So I have been fighting this well over the 20 hours that he promised me at XXXX an hour and any proof that I can show for computer or bills... I can provide statements of internet if XXXX has them still and XXXX  as well. I am being cornered into accepting bad credit history or none, with account that are secured but overdrawn? I didn't know you could secure a card for XXXX and spend XXXX I thought that was the point to build credit. Those card most closed within the window, or evenif they didn't I was lied to by Equifax about the databeach twice. He promised XXXX if I didnt pursue the other statements so I can gain payment faster. I haven't worked in 6 years steadily due to medical issues that I am have a SSI case over. I have skeletal deformatiies and joint deformities. No one will hire me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I cant remember my childs birth, wedding, or to do daily tasks. My wife does everything. This is preying on someone who made a mistake and had health issues occur that put him in a position of not being able to fight back. The attorney is a liar. He talks rudely, promises compensation after conversation then sent me a XXXX prepaid settlement card. 

Id rather leave my son at the age of two and end my life than bond with the person who made me a better man with failing health. I cant do this. IF anything happens to me. Its equifaxes fault for not notifying me. I cant open cards or tax information in prison. they dont allow it. I wasn't aware there was a data breach in XXXX because i was in XXXX. I found out and was lied to three times now. My SSN, sons SSN, address phone family info is all on the XXXX XXXX  I cant process mentally how to resolve this and he is preying on it. 

He told me that the judge hearin the Equifax breach case would hear of 10 accounts cleared that they take 3 minutes each. 
Are you kiddng me? I had to take photos, show XXXX pictures write affidavits. I spent YEARS CLEARING MY HISTORY TO HAVE IT COME BACK LIKE THIS. I dont have ssi, I cant work, I cant pay. Ill give you my body if thats what you want. Your responsible.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Afni , Inc. 
XXXX XXXX XXXXXXXX, XXXX, IL XXXX XX/XX/2022, AFNI collections reported an account to XXXX and XXXX that was not mine. I never recieved a call or letter about this debt. This has happened before and somehow they keep doing this. MY credit was harmed and this is damaging. I do not understand with all the laws that this is allowed to keep happening. They do not seem to care. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't any investigation results.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX  XXXX  Equifax
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2022 there was a fraudulent transaction of {$1600.00} made on my discover account that I didnt notice till a month later when I went to go pay for that months bill cycle ( XX/XX/2022 ). I was upset that I didnt notice because I have texts and notification alert for every purchase I make for this card and for that purchase I didnt get a single alert. I called Discover customer support and was set up for a fraud dispute. The transaction was taken off my account XX/XX/2022 and I wasnt reminded of it again since then. XX/XX/2022 I go on my Discover account to make a payment when I notice my balance was too high, and for me to notice that transaction was put on my account again on XX/XX/2022. I called there support the XXXX & XXXX of XX/XX/2022, and was told that the dispute was not in my favor because of my activity behavior with XXXX after I got my card replaced, which makes no sense since I never use my discover card to make such large purchases on XXXX. If discover made a true investigation, they would have noticed that Ive only used my discover card once this year to make a single transaction on XXXX of a total of {$58.00}. Any other time was the monthly subscription for XXXX XXXX. XX/XX/2022, the fraud case is being opened up again, I told the person on the phone that I believe my card might of been skimmed at a gas station and that I have to provide some sort of proof. The only evidence I can provide is the invoice of that single XXXX transaction that was made XX/XX/2022. Im extremely confused as to why Discover think that purchase was made with my XXXX account in the first place since I wasnt told if the merchant even confirmed with my information or even my address of Residence. This a poor work of investigation on Discover side.
Complaint sub-issue: Didn't receive enough information to verify debt

Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.