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

I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, XXXX XXXX is listed on my Equifax report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.
Complaint sub-issue: Can't use card to make purchases

Best Buy Citi Bank has decrease my credit card limit without an adverse notice. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The ECOA covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The ECOA requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The ECOA covers applications for credit as well, along with requests for credit limit increases on existing accounts. If you want to dig into the details of these laws, you can read more at Consumer Compliance Outlook.
Complaint sub-issue: Account terms

A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!
Complaint sub-issue: Other problem getting your report or credit score

For over a year I have been trying to establish an online account with Equifax so I can monitor my credit records and to be able to control my credit freeze. When I tried to sign up for the first time, I did so from my girl friends house ( and from her IP address ) because I had gone into quarantine with her do the Covid 19 pandemic. So Equifax subjected me to a list of personal questions that from where I was staying I was not per paired to fully answer at that moment. Also since I was trying to keep my personal and business matter separate, I gave them my personal email address instead my business email witch Equifax happened to have had my business email in there records as being my official email address. So do to all of this, Equifax was not able to verify my identity online and as a security measure they sent me a letter with a code by mail to my home address in XX/XX/XXXX to verify me and that I truly lived at the address listed in there records. This was understandable and is a precaution I would normally appreciate, but unfortunately since I was in quarantine away from my home, I was not able to immediately respond to there letter in a timely manner, Yet I was able to get home and enter there code on-line as requested in that latter at least 2 days before the code expiration date, witch was in XX/XX/XXXX. But regardless Equifax has refused to grate me access to my account online. I had then called them and they told me that what I needed to do was to send them my IDs and some proof of residence. Since then I have repeatedly sent them what they had asked for and more then they had asked for to prove my ID and where I live. But I have never received an email or any other response from them instructing me as to what to do next to complete the online account set up. So I have call them repeatedly and every time I do, they keep claiming that they had never received any documents that I had sent them. 

I had sent them my : Passport Social Security Card Voter Registration Card an email Bill a maintenance fee Bill for my time share. 
And as of XX/XX/XXXX I had added my birth certificate and a brand new non driver license. 

I have sent them my ID 's in : Early XX/XX/XXXX Mail and Fax Late XX/XX/XXXX Mail XX/XX/XXXX Mail XX/XX/XXXX Mail And in XX/XX/XXXX I contacted a Lawyer to see if it was necessary to start legal proceeding against Equifax. 
They Sent a letter on by behalf, along with my IDs yet again, to try to get Equifax to understand the seriousness of the situation, but yet again Equifax has not responded to them or me. 

Both my lawyer and I have sent these documents to the address they had told me to send them to over the phone, with is : Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX Georgia XXXX To make this situation more complicated, I am in the process of Moving form my XXXX XXXX XXXX To my New Address witch will be in XXXX XXXX. ( addresses furnished on request ) I should be able to receive mail at my old address for at least a month more.
Complaint sub-issue: Debt is not mine

I have asked for Validation of the debt through a certified letter to the company. I have yet to receive any kind of validation however I am receiving letters and phone calls concerning a debt that I do not owe.
Complaint sub-issue: Information is not mine

I reviewed by Equifax report and found an entry from XXXX. I have requested 4 times documentation from Equifax and XXXX XXXX to send to me that they use to verify that this debt is mine. I have yet to get an accurate response.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX, and I am the natural person and consumer. There is no 3rd party involved in this complaint and I am submitting this complaint in good faith on my own behalf.

I have a 30 Day late payment reporting on XXXX XXXX  Account. This late payment is innacurate and unverifiable and it was recorded during the XXXX Pandemic. I need the late payment to be removed immediately from my consumer report.

According to 15 U.S. C 1681 all information on my credit report should be 100 % accurate no questions asked.

I am expecting a full investigation into this late payment and removal. 

XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX I.C SYSTEMS INCXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  companies has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  ( XXXX   ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX   ) XX/XX/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  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Recievd bill from debt collector ERC in regards XXXX XXXX for a bill of XXXX which is incorrect. My service was cancelled with XXXX due to having no service dropped calls and poor service.
Complaint sub-issue: Was not notified of investigation status or results

I was not updated or notified on the status of my investigation.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

There is an alleged account on my credit report that is reporting incorrectly and should not be on my report. This company has sent me a letter of discharge stating that the account has been discharged and should be removed from my credit report but it is still reporting.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax about an Inquiry on my account from XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they wont remove these fraudulent things from my credit report. I had to even go as far as to FIle an FTC report.
Complaint sub-issue: Can't temporarily delay making payments

Ive always had a great experience with your company, and Ive committed to paying back my loan on time for 10 years now, Unfortunately, I experienced a decrease in my salary, during that time that stretched my budget to the point of breaking. As you can see in my record, Ive paid on time for 10 years now Im trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe I should receive forgiveness the amount is {$7500.00} I humbly request that you forgive my balance so that I can purchase a home for my family and I. This amount Im unable to pay and although its pause for now Im worried about future dates for student loan repayment. Thank you for your consideration, and I hope you approve my request.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

When I called on the back of my Macys credit card XXXX it states that I have a special event account which is false. 
In XXXX I purchased a ring for XXXX XXXX XXXX birthday my boyfriend and there was a 12 month special interest on then. Which meant that I paid it off in 12 months no interest would be charged. 
The total amount was billed on my Macys store account and when I called the above number I was told that the amount for the ring was on a special event account also.I went in person and spoke to Macys Assistant Manager in the Jewelry department at XXXX XXXX who called also and confirmed that the 12 month special event only meant that if payment was made with 12 months no interest would be charged. 
I have a witness XXXX XXXX who was with me. 
On XX/XX/XXXX when I called to check on my statement balance, I was informed that a payment for XXXX was made to a Macys special event account which has a balance of XXXX. 
On my ebill payment which was supposed to made to my Macys store account via my checking account was not made even though it had the correct Macys store account Instead this special event account which is false stated that a payment was received on XX/XX/XXXX. 
Please help me. This is wrong. 
Thank you for your time and consideration.
Complaint sub-issue: Don't agree with fees charged

I took only XXXX course and the balance was pay by my fed loan XXXX and they said, my new balance is XXXX and my account was move to collection agency. I do n't know how to disputed the new balance, they going to close the college on XXXX 2016.
Complaint sub-issue: Old information reappears or never goes away

incorrect accounts showing as delinquent. Disputed debts but account keep reappearing and is impacting my ability to get credit cards and approval for rental homes and cars.
Complaint sub-issue: Company closed your account

Malvern Nation bank and us bank in Malvern both closed my account without notifying me of that and then us bank tells me I owe them XXXX and Malvern national XXXX I have told them I was expecting money from XXXX that it would take care of it still haven't received my money because of this as well please help me get this taken care of
Complaint sub-issue: Account status incorrect

I received one notice about a late payment from AES/PHEAA. My student loan had been in deferment, plus I was under the impression that government student loans were to be automatically deferment until XX/XX/2020. I checked online and AES showed a payment owed of {$50.00} was past due and there was interest and fees. I paid them {$500.00} on XX/XX/2020, well over what they were asking for. Their account statements showed they removed my deferment from XXXX (? ). I called them and was able to speak with someone on XX/XX/2020 at XXXX. The representative stated that they removed the deferment because even though this loan was service by the ( a state government agency ) that it was owned by a private lender ( a bank ) and that it does not count towards the federal CARES Act. I asked about credit reporting and COVID-19 options with this student loan and the representative explicitly told me that no negative reporting was done for this student loan and that the account was showing current and paid, with no payments being due for a few months. I was very specific with her about the credit reporting and that I didn't believe this was right with not being treated like all other government loans under the CARES Act. She assured me again that everything was showing paid and current, and there would be no negative credit reporting. Today I have viewed my credit reports because my score has dropped 70 points, and it is because AES has reported negative information to my credit for a missed/late payment. I have filed dispute with each of the credit bureaus seeking that this information be removed per what the representative told me. I believe AES is using very deceptive practices here, especially during a time where the CARES Act was specifically put in place to help those with government student loans. My other government loans have are owned by banks/serviced through other entities other than the Department of Education, but they are still GOVERNMENT LOANS. They don't just get disregarding because a lender is servicing them. I want this negative reporting showing for the month of XX/XX/2020 removed from my credit report. This is not the first time in my history with this company where they have done this. In the past, they have also " lost '' payments I've made, or incorrectly applied my funds then have tried doing the same or disqualifying me for interest rate reductions, etc. Because I want nothing else to do with this company, today I requested my loan payoff amount, which is {$1600.00}, and I paid this amount in full to AES today XXXX. I am requesting that AES/PHEAA remove their negative reported information from all three credit bureaus immediately. 

Thank you, XXXX XXXX
Complaint sub-issue: Personal information incorrect

Dear Sir or Madame Equifax has repeatedly reported my name incorrectly, with many different variations, which has affected other organizations being unable to access my credit report. 
Attached are several older Equifax reports which show these incorrect variations. 
Equifax Report XXXX XXXX XXXX XXXX XXXX. 
Equifax Report XXXX XXXX XXXX XXXX On XX/XX/XXXX I faxed Equifax identification such as driver licensure, social security and utility bill. 
About 3 month ago, I mailed in identification, which an Equifax agent stated they did not receive. it. 
Therefore, XX/XX/XXXX using certified mail, I resent Equifax my identification of driver licensure, social security card and utility bill. 

Enclosed ; A ) Dispute Letter Sent to Equifax B ) Old Equifax credit Reports XXXX and XXXX C ) Supporting ID documents sent to Equifax
Complaint sub-issue: Reporting company used your report improperly

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX 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 instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize any of the inquiries I listed down below I wish to have those inquiries removed as soon as possible I have listed name of each inquiry and each date
Complaint sub-issue: Information belongs to someone else

There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX DSNB Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Was not notified of investigation status or results

There was no reasonable investigation conducted. The credit reporting bureaus did not notify me of the investigation results via us mail.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX at : XXXX involving case : XXXX is incorrect. The account remains open according to the U.S. Office of Personnel Management.  The account has a {$0.00} balance. The account was closed as satisfied BY ME, THE OWNER, THE ACCOUNT OWNER. Let 's do this again for the third time. The account was open and remains open per OPM on or about XX/XX/2019.
Complaint sub-issue: Information belongs to someone else

I submitted an FTC report XX/XX/2021 to all 3 bureaus stating the account that was listed on my report were the result of identity theft. According to the FCRA pursuant 15 USC 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer resulting from identity theft. It is XX/XX/2021 and a block has still not been placed.