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

I am having an issue with XXXX reporting a charge card to my XXXX credit saying I am behind on an amount. I did previously have XXXX and as I stated to them they can see I paid everything on time. However, my phone was stolen and the person accessed many of my accounts including XXXX  and charged almost {$4000.00} dollars to my account! I had to contact my bank and close my accounts, I reached out to XXXX and explained the situation to them. They insisted there was nothing they could do but to reach out to the companys. Even with a police report they refused to help me with the account and the companys refused and sent me to XXXX. Ive reached out numerous times with no help. To the point theyve ignored my attempts. I disputed with equifax and XXXX and the accounts were removed. However XXXX refuses to remove it. Even with all the information Ive provided. Its ridiculous I had fraud happen and yet being penalized because of their negligence.
Complaint sub-issue: Personal information incorrect

FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX
Complaint sub-issue: Received bad information about your loan

I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover. 
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance. 

At this point, what would you recommend? 

Regards, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

MACYS/DSNB XXXX Balance {$1000.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank credit card Dispute XXXX CFPB Case # XXXX-XXXX  In reference to Letter dated XX/XX/2020 from Ms. XXXX XXXX. 

This letter asserts that the customer " arrived after the service has ended for the day ''. Please provide proof of this indicating that the customer arrived after the breakfast services ended for the day. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

In the summer of 2017, Equifax advised that its systems were compromised by a cyber attack that affected me. Upon checking their own " Security2017 '' website, and providing my information, it is obvious that I have been affected as I was offered their credit monitoring product on a specific date. I have placed a 90-day fraud alert on my files, and I am highly upset by this breach. Due to the lack of security measures at a reporting agency that holds my data without my consent, I know have a quality of life issue and will almost certainly be denied credit in the future due to my information being out " in the wild. ''
Complaint sub-issue: Their investigation did not fix an error on your report

I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. 

At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.
Complaint sub-issue: Account status incorrect

I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Investigation has taken longer than 30 Days No Results for Dispute date XX/XX/2021 Incorrect Reporting Duplicated Accts Affecting Debt utilization and derogatory reporting Called XX/XX/2021 Wants to reinvestigate account they failed to verify and Validate For Child Support enforcement that instead of removing duplicated amount
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX XXXX {$820.00} XXXX   XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account terms

For a while now, I have file several disputes with Equifax about XXXX XXXX inaccurate account balance and still no change. The results were, the account belong to me, when I 've never said it did n't, and/or the balance of this item has been updated but the balance amount was never changed, it reflects was the same amount, which makes me believe that there was never an investigation completed. 

I 've even sent a copy of my dispute filed with CFPB to Equifax, along with XXXX XXXX response to suspend collections and the account still have not been removed fro my credit report.
Complaint sub-issue: Public record information inaccurate

My record has been dismissed and expunged by a judge in Mississippi. This happened XXXX of 2020. 

Each time I apply for a job, I get a failed background check result under the category Other. There was XXXX charge however it lists multiple times under other statue numbers. It also reports a conviction. That isnt further from true. I wasnt convicted. 

Is keeping me from valuable employment opportunities and causing myself and my family intense stress and anxiety.
Complaint sub-issue: Debt is not mine

( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ),   account number  XXXX  because the debt is not mine with the  XXXX   XXXX  credit bureaus on  XXXX ,  2017 ,  XXXX ,  2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account from MACY'S/DSNB reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to MACY'S/DSNB. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the MACY'S/DSNB account on my credit report is reporting inaccurate and incomplete information.
Complaint sub-issue: Problem getting my free annual report

I am a victim of identity theft, and have started the process of disputing by requesting my free credit reports. I have received my XXXX and XXXX report, but have been denied access to my Equifax report online and by phone. Maybe coincidental, but the person who has done the fraud is also located in Georgia where Equifax is located. Other members in my family have also been affected by this identity thief. I just need my Equifax credit report.
Complaint sub-issue: Can't close your account

citi credit card charging money without proper information due to an update to the security system the company change my id and password. in that instant I could not enter or look at my account. to see charges transactions. 

I called XX/XX/2020, to citi-bank credit card to solve this issue but the options the gave me were change my information or cancel i did not want to change my information so the only option they gave me was to close the account. which i accept to close the account. 

I asked for an print statement to pay any debt. As XX/XX/XXXX I have not received the statement yet. I had been calling several time to see the status or to asked for a new statement to solved this problem, unfortunately I have not being able to solved. I have an email that showed my statement debt as {$480.00} but citi representative told me I own the bank {$670.00}. 

I have to called my personal bank to stop payments to citi since citi was getting the auto-payment on XXXX even though i cancel my credit card on XXXX. I have recording of phone-calls with them where they just hang the phone. they let me hanging for 30 to 45 minutes on the phone. even the keep my thank you points I was not able to used them. 

i refuse to pay anything without a final statement that has everything writing down to pay the correct amount and refuse to pay interest due to the incompetence of the company to provide me with the information that i solicited long time ago.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a dispute with Discover Card Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. 
I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant :  XXXX XXXX Dispute Amount : {$170.00}
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX {$780.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I tried to send letter to XXXX to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.
Complaint sub-issue: Was not notified of investigation status or results

Hi, my name is XXXX XXXX and I have been having problems with all XXXX credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending written correspondence to XXXX, Equifax and XXXX since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the XXXX, EQUIFAX AND XXXX for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past 2 years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has repeatedly failed to respond to my certified USPS mail request to disclose their method of verification process as required by the FCRA. As such, the fraudulent account should have been permanently deleted from my credit file as it is negatively impacting my credit worthiness. 

PLEASE DELETE NOW!!!!
Complaint sub-issue: Debt is not yours

EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Complaint sub-issue: Problem using a debit or ATM card

I got a reply, but I couldn't get the answer I wanted. 
The bank is shirking its responsibility by answering that it is not its authority. 
you must be transfer responsible department about this issue. 
I got the money back. after in ten days
Complaint sub-issue: Personal information incorrect

Ive written to Equifax as the name XXXX is listed on my credit report. XXXX is not my name and Ive never gone by that name. Ive sent them my Drivers License and Social security card to no avail. Equifax is the only bureau with this information
Complaint sub-issue: Their investigation did not fix an error on your report

I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus XXXX, XXXX and Equifax. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the consumer
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from Equifax and XXXX  just stating the bankruptcy was validated but did not send any proof of the validation.
Complaint sub-issue: Can't get other flexible options for repaying your loan

First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.
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. 



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Complaint sub-issue: Reporting company used your report improperly

I mailed a letter to XXXX, Equifax, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX XXXX XXXX. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.