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

I sent a letter to CREDIT BUREAUS on XX/XX/2022 to remove XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX XXXX : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} that are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, EQUIFAX, and XXXX are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # XXXX XXXX, and XXXX & I am including it again.
Complaint sub-issue: Account status incorrect

I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. The reporting of these account is a violation of XXXX XXXX XXXX, and the Fair Credit Reporting Act " XXXX XXXX XXXX a XXXX b '' ( See below ) Exclusions Except as provided in paragraph XXXX, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a XXXX tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXXUSPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of XXXX, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX and XXXX XXXX XXXX reported to the Equifax that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Complaint sub-issue: Account information incorrect

Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.
Complaint sub-issue: Received bad information about your loan

According to the Family education and privacy act of 1974, I have a right to privacy from educational institutions and financial institutions. I have never given my written consent to Mohela to furnish any of this information. Mohela is also a 3rd party collector that I have no agreement, contract or consent to be in a binding financial relationship with. 


On XX/XX/XXXX Mohela was transferred into my domain as a student loan servicer that I never consented to. Mohela has been reporting negative experiences on these accounts causing adverse effects of my credit reports. 15 USC 1681 tells me that late payments are experiences not to be included in my credit report. Additionally, Mohela never sent me a 21 day notice of these " late payments '' and if they would have verified the information with the consumer they are reporting on, me, they would know that these late payments are inaccurate, a violation of the FCRA and FDCPA. 

On XX/XX/XXXX they reported an added balance of ~ XXXX XXXXXXXX to XXXX which caused my score to drop XXXX XXXX. These new balances that shouldn't even be accumulating were reported on XX/XX/XXXX. These loans are being actively investigated and should have not been reported on at all. 

I have been denied loans, credit and more because of Mohela reporting information they have no right to be reporting. I will be seeking monetary litigation for these violations.
Complaint sub-issue: Problem getting report or credit score

I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

i have dispute with XXXX more then one time over few year i cant get them to take off JEFFERSON CAPITAL SYST this all say The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
but this thing i call the place that say i old more then 2 time told them I DIDN'T RECEIVED THEIR PHONE BUT TRY SAY I DID GET T HEM AND THAT I ACTIVATE THEM BUT U CAN SEE THAT I DIDN'T ON THEIR IN AND THAT IT SAY I ONLY ON THEM FOR ONE MONTH ON MY ACCOUNT THEY TRY GET ME PAY FOR ONLY FOR PHONE THAT I DID GET PLEASE I WANT THIS TAKE OFF MY REPORT NO ONE WELL HELP ME WITH IT I DON'T THING I SHOULD HAVE PAY FOR PHONE FROM XXXX XXXX WHEN THEY LIE SAY THAT I DID GET PHONE AND THAT I ACTIVATE THEM WHEN I DIDN'T THANK YOU HOPE U HELP
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Trouble closing card

My father passed away in XXXX of XXXX. His XXXX funds where deposited to a Direct Express mastercard which apparently has no physical location. On XX/XX/XXXX I received my personal representative papers and filled out the paperwork to have the balance of XXXX on his Direct Express card disbursed to the estate. I received a letter on XXXX stating the funds were disbursed. When I had not received the funds by XXXX, I called Direct Express to check on the status and was told that the funds left the account on XXXX but she did not know where they had gone. I was transferred several times until I reached XXXX who said she could only speak to my father and who hung up on me when I asked to speak to a supervisor. On XXXX, I called again and spoke to XXXX in the fraud department who said the funds had been sent to my lawyer 's office and the check had been issued on either XXXX or XXXX. She told me to call back if the check still had not been received by the end of the month. I called back on XXXX to ask for the funds to be reissued and mailed to my address since the check had not been received by myself or the lawyer 's office. The person I spoke to told me the case was closed and if i called back I would get the same response and then she hung up on me. I emailed the probate emailing address and requested the check be reissued and gave the address. I also called and left a message on the probate number. I did not receive a response to my call or email. I called again on XXXX and spoke to XXXX and she said she would have someone from upper management call me back. No on called me back. On XXXX, I called again and informed Direct Express I would be filing a complaint.
Complaint sub-issue: Problem with fees

I have been a Citicard member for 31 years and in 2020 I have encountered the worst and most unprofessional customer service. I set up bill pay via my bank and have for the last 15 years. I set the payment up to pay on the due date and never had an issue with Citicards until XXXX 2020. Furthermore, I set up all my other bank payees in the same manner and have never had an issue. I have bank evidence and confirmation from my bank that Citicards ACH 'd my account on the due date ; however, they have begun holding the money and not posting to my account in a timely manner. XXXX also has this documentation. The only nice customer service representative I spoke with in XXXX, easily saw the situation and reversed the late fee and interest. This occurred again on my XXXX statement and there was not any professional CSR agents to assist me. Again, they clearly had the money but delayed posting it. 

I truly feel something has changed behind the scenes and they are now happy to rip off consumers.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

1. XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX Inquired on XX/XX/XXXX 6. XXXX  - XXXX XXXX Inquired on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE SENT EQUIFAX A LETTER REQUEST THE REMOVAL OF THESE INQUIRES AS THEY DID SO WITHOUT MY CONSENT. Pursuant to 15 USC 1681b ( 2 )
Complaint sub-issue: Information belongs to someone else

I have 3 late payments that have shown up on my XXXX credit report for Citbank/CBNA. After many hours of attempting to contact Citibank ( roughly 6 hours over the course of 2 months on the phone ). No one can find my account-I am glad to pay if this is accurate, but no one at Citibank is able to find my account by SS #, name, DOB or  phone number. The only information contained in the credit report is the first 6 numbers of the account and that I am now past due {$120.00}. I have disputed this 2x with XXXX and both times have come back stating that this is a legitimate past due acct. The dates of the disputes are XX/XX/2020 and XX/XX/2020. Today XX/XX/2020 I was on the phone with Citicards for 2 hours and I was hung up on twice and transferred 4 times and still no one can find this account. This is just one example of the amount of time I have invested in trying to get this resolved.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX. XXXX XXXX : # 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Attempted to collect wrong amount

Collection Agency : XXXX, XXXX XXXX XXXX, Alleged Balance : {$1300.00} Opened Date : XX/XX/XXXX I did not open said account as indicated. This account dates back to early XXXX and the balance is incorrect or excessive. 

XXXX  XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I used a Citi credit card to pay {$330.00} for the HOA title inquiry fee. After some time, I eventually begin to forget about this payment. And afterwards initiated a dispute over the transaction. Then my proxy alerted me that this transaction has been canceled, it was then I realized that the transaction is normal. My proxy told me that the transaction failed, and I need to pay again. When I checked the banks serial, I saw that the transaction was indeed cancel. So, I re-paid the transaction with my XXXXXXXX XXXX  credit card, as well as provided evidence to support my dispute. What I didnt expect was that two weeks later, Citi bank replied to me saying that I still need to pay this incurring amount. 
It was strange, first, my HOA did not receive this fee, otherwise they will not notify me that the transaction was not successful. Second, I provided evidence that proofs my dispute. Why does Citi bank still asking me to pay the fee after that?
Complaint sub-issue: Personal information incorrect

XXXX, Equifax, and XXXX continue to furnish information on my report that is not accurate and complete. I've written several letters to them to no avail.
Complaint sub-issue: Investigation took more than 30 days

I don't really know what section my issue goes under. I attended XXXX XXXX XXXX online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Complaint sub-issue: Information belongs to someone else

The credit bureau XXXX  is reporting a collection account with Alpine Credit , Inc. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX  credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has investigated the same issue more than 7 times and has not forced the company XXXX XXXX to provide any documentation to prove the debt is accurate. I believe that this is illegal and that Equifax needs to be investigated.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I am in the process of buying a house. I needed to have remarks removed from three accounts. I called on Monday XX/XX/XXXX, I spoke with an XXXX from Equifax in the dispute department. He was very unprofessional. He was having a conversation with his wife in XXXX before he realized that he did not mute the phone. I would ask him questions to make sure he understood what I was requesting and he would have me on mute and would take several seconds before responding to me. I just wanted to make sure that he was opening the correct dispute because it did not seem like he understood. After I got off the phone with him, I call back and spoke to another young lady who assured me that everything was done correctly. Then on Wednesday I received an email from my lender explaining that one remark had been removed on XX/XX/2021 but the other two were still there. I call Equifax back and spoke with a third person who also said that everything had been submitted correctly. Then on Friday I received another email from my lender stating that the remarks were still there and that one of the remarks was now updated to be reinvestigated. I called Equifax back and spoke with a lady name XXXX in customer service. She advised that all the dispute were entered correctly except for one. Previously I had been advised by three other people that the disputes were put in correctly and now I am being told 4 days later that one was in fact put in incorrectly. She closed the incorrect dispute and reopened it correctly. Then she advised that it could still take up to 30 days, which I thought was unfair at this point as it wasn't nothing I did but something that one of their employees did. At this point she said that she could not move it alone any quicker and I asked to speak to a supervisor/ manager. I was then advised that she would not transfer me to her supervisor and that there was nothing no one else in their company could do to help move this alone. I feel like this was very unprofessional as I know that there is an escalation process in place that could move this process alone.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered my credit reports from all 3 reporting agencies in XX/XX/2018. I noticed a host of errors or some items I had no clue where they even came from. I began sending the reporting agencies letters to understand what and who were these companies reporting these items on my reports. As, I started the process the other two agencies would reply with deletions on a monthly bases. Although EQUIFAX, from XX/XX/XXXX to present would reply saying most of the items were verified and had been updated or modified. At this point I called the other agencies and asked how does one remove a item and the other updates it? the rep. explained an situation about some system that they used and told me to called and speak to someone from that agency it should be an easy fix. Never the less I spoke to two reps. and this matter was pushed back to me to call the companies and fix this problem. I have sent ALL on the collection agencies letters asking for verification and Assignment of the debt and NEVER received replies back from NONE OF THEM as to ASSIGNMENT AND MEDICAL HIPPA RELEASES. And the 1st item which is my car payment it says this account is closed with a XXXX balance. When in fact this account is current. I called and spoke to a rep. and he replied that I would have to call them and have them to update that information. Now, with all of this being said how can I, as a consumer trust this agency truly does investigations when for a FACT they on reply that the item has been verified or updated. I also asked another rep. on a different date asking her about accounts that are closed but still are reporting a negative balance, she replied I have to call them or send a letter. agent XXXX or XXXX.If your reporting this information WHY do I have to do there job to make sure its correct. WHY? When this company ( EQUIFAX ) has had more security breeches than any other agency and as a consumer puts all of the burden of proof on us as a whole. I have had companies to put my reports and denied my because of the collection filed. ( ALSO in PDF ). I also, question this agency on all items must be 100 % accurate? If I, send proof that it has been deleted from other reports. Wouldn't that make the item listed on EQUIFAX in accurate? Can you please give me some clarity on if the information in NOT the same one all reports? NOTE Equifax is the only agency that this doesn't seem this matter. Again, with all the breeches maybe Equifax should work with consumers to resolve these issues oppose to using some software to investigate the information.
Complaint sub-issue: Problem getting your free annual credit report

I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.