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

We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
Complaint sub-issue: Problem with personal statement of dispute

I have tried several times to have 'Healthcare Collections ' accounts removed from my Equifax report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!
Complaint sub-issue: Account status incorrect

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Complaint sub-issue: Account status incorrect

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX XXXX XXXX accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, XXXX and Equifax fail to remove the account due to it being inaccurate and closed.
Complaint sub-issue: Information belongs to someone else

Greetings, In accordance with the Fair Credit Reporting act XXXX  following Address, Accounts, and Inquiries below, have 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. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX - XXXX XXXX XXXX : XXXX - US DEPT OF EDXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX - XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

My credit score has dropped over 200 points because my credit card utilization rate is 79 %. My I've serviced all of my debt without missing any payments and my score does not reflect this fact. I also have no derogatory marks. I can't refinance my credit card debt with a lower rate personal loan because of my current credit score.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been contacting Equifax for several months in regards to removing closed on accounts on my consumer report. Equifax has not made any attempt to remove these accounts.
Complaint sub-issue: Used obscene/profane/abusive language

Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.
Complaint sub-issue: Account information incorrect

On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.
Complaint sub-issue: Can't stop withdrawals from your account

Hello, My name is XXXX XXXX, I contacted XXXX XXXX Attorney XXXX XXXX XXXX XXXXXXXX and XXXX of the U.S. Securities and Exchange Commission and he referred me to contact you regarding Coinbase Inc and a malfunction on the trading platform. I purchased XXXX XXXX  times XXXX the ticker/stock went up to around {$160000.00} + I attempted to remove some of my funds of {$130000.00} XXXX and keep the rest in the Coinbase Inc. and the transaction was canceled ( Transaction ID # XXXX ). Later in the evening my account was locked out by Coinbase Inc along with few 1000 other individuals according to reddit complaints. Coinbase Inc has made some type of error and Should be held responsible for their actions. My money is still invested into Coinbase Inc and can not be removed from the platform. Coinbase admitting to the malfunction gave me a tiny compensation credit of {$38.00} in XXXX in exchange for their mistake. I do not think this is a fair as I have email and picture evidence/ proof of my profile listing the correct amount of digital coins and Coinbase Inc went into and altered my profile switching and changing my crypto ownership shares and diluting my profits.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$490.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Complaint sub-issue: Debt was paid

I received a notice of debt at my old address/XXXX  XXXX XXXX, ( although XXXX XXXX is aware of my forwarding address ). I did not received anything from XXXX XXXX XXXX  requesting payment or advising of expenses or any debt owed. There was no claim to keep my security deposit at any time. NO debt is owed, as I paid timely, in full, and honored the terms of our agreement ( which XXXX XXXX XXXX violated ), in addition to illegally containing or withholding my security deposit. There were verbal and e-mail communications advising that I could terminate the lease. The apartment was literally placed in BETTER THAN move-in condition prior to leaving, and I vacated when the landlord asked that I vacate so she could 'return my deposit and show the unit '. This erroneous debt was placed in collections LESS THAN a week later ... with 4.75 % interest. The collection agency reported to my credit after being informed by an attorney that the debt was not verified. XXXX XXXX/ XXXX XXXX XXXX/ Hunter Warfield collect LOTS of fees for this invalid, unsubstantiated, immoral, and illegal process and I want to make sure it does not continue.
Complaint sub-issue: Debt was result of identity theft

I am opening a consumer complaint against MRS BPO , LLC for a debt that was opened due to identity fraud. On XX/XX/XXXX, I opened a dispute with XXXX  Credit Bureau regarding unfair and inaccurate debt reporting. MRS BPO , LLC. continues to report a collections account on my credit file with XXXX  see attached documentation. On XX/XX/XXXX, I received an alert on my XXXX  credit bureau monitoring services of a collections account from MRS BPO , LLC. for a debt I have no prior knowledge of. According to the data provided to the credit bureaus, this account was placed for collections on XX/XX/XXXX ; however, I never received any communication from this company before the account was added to my credit report. 

As a result, I called XXXX  Credit Bureau to dispute the account. I noticed the address associated with the account was XXXX XXXX XXXX XXXX NC XXXX. I have never lived in North Carolina and have been a lifelong Michigander since XXXX. Upon being notified of the additional address on my credit file, XXXX  removed all references to the account and the North Carolina address, leaving XXXX  as the only credit report in which this fraudulent account remains. 

On Tuesday XX/XX/XXXX, I sent MRS BPO , LLC. a debt validation letter disputing the debt and notifying them of the fraudulent activity via US mail ( copy of the letter attached ). As of XX/XX/XXXX, I have yet to receive a response from MRS BPO , LLC. regarding this debt. 

I have a stellar payment history current on all payments for 19+ years and have always paid my debts on time. I have never lived in North Carolina and have not had an account with the original creditor ( XXXX XXXX XXXX XXXX ). By listing an account that is knowingly fraudulent with an incorrect balance and falsely updating this information monthly with XXXX, MRS BPO , LLC. is violating the FCRA and FDCPA. 

I ask for your assistance in remedying this situation by having this account removed from my credit report. MRS BPO , LLC. must correct their records and cease all debt collection on this unverified, invalidated, and fraudulent debt. I greatly appreciate your assistance in resolving this error and removing this blemish from my account. Please feel free to contact me with any questions. 

**Please note this is the second attempt from a collection agency to collect on this fraudulent account - The first attempt was from XXXX XXXX XXXX XXXX I have notified all three credit bureaus of this via written and telephone communications. **
Complaint sub-issue: Information belongs to someone else

Equifax claims XXXXXXXX XXXX XXXX  has been verified as mine account, but yet XXXX XXXX XXXX  doesnt find any information in their system regarding any accounts. This XXXX XXXX XXXX account is negative affecting my equifax credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to get an account looked into on my report and they don't take the time to look into it the day after I put in a dispute I receive a notification that the information is correct. When in fact there is no possible way to send the information to the account to be looked at in the matter of XXXX hours. Name of company is XXXX. XXXX XXXX that I needed looked into.
Complaint sub-issue: Reporting company used your report improperly

This company is violating my consumer right to privacy, pursuant to 15 U.S.C. 1681a 602.4. Company also has NO permission to report ANYTHING using my information, pursuant to 15 U.S.C. 1681b 604.2.
Complaint sub-issue: Didn't receive enough information to verify debt

Two collections items appeared on each of my credit reports ( XXXX  and XXXX  ) XX/XX/XXXX. The debits are claimed to be from XX/XX/XXXX, for {$50.00} and {$32.00}. I have no knowledge of these accounts. I called their ( AMERIFINANCIAL SOLUTIONS ) number ( XXXX ) provided on the credit reports. On the phone call, I provided my Information ( SSN, DOB, First and Last Name ), the person would not provide an account number or any information on the debit and hung up the phone.
Complaint sub-issue: Information belongs to someone else

Equifax has mangled my sons credit report. 

I have twin sons. XXXX and XXXX XXXX. 

My son XXXX applied for a loan through the XXXX and was approved for {$7500.00}. Hes had steady jobs since he was XXXX. He is XXXX. 

When we tried to finalize the loan through Equifax, we discovered that they had put XXXX information into XXXX SS #. 

XXXX - XXXX XXXX XXXX XXXX XXXX has no history, we discovered, because XXXX information occupies XXXX #. And Equifax asked XXXX to fax XXXX  Driver 's License and SS card for proof. But nothing has happened. Its been a month.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) 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. ) Abusive Practices 15usc1692 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Reporting company used your report improperly

Equifax improperly secured my private data and allowed hackers access to my name, address, birthday, social security number, and potentially my driver 's license number and credit card numbers. Hackers had access to their system from mid-XX/XX/XXXX through XXXX 2017, up until Equifax discovered the breach on XX/XX/XXXX. 

Equifax 's Press Release : XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

To whom it may concern,Citi of XXXX XXXX, NY found at online.citi.com mistakenly withheld federal tax on my personal savings account ending in ....XXXX for the amount of XXXX on XX/XX/2019.  They have neither reimbursed me nor issued a provisional credit and are in violating my rights afforded to me under Regulation E.  Initially I thought that maybe there was a new rule or requirement that they do so but that was not occurring on other accounts with other financial institutions.  I decided to inquiry to understand what that may have occurred.  On approximately XX/XX/2019 I reached out to them via in app messaging.  I was connected to "XXXX" at XXXX.  XXXX  told me that withholding tax takes place on accounts that are not W9 certified.  When I started asking questions they realized that "this is bank's error and we are now in the process of fixing it."  On XX/XX/2019 my monthly interest payment was applied to my account but the withholding still was not corrected.  I contacted them again on XX/XX/2019 via the in-app messaging and was connected to "XXXX" at approximately XXXX.  Jo said they were aware and I "may" get the money back by end of year.  I asked for clarification and was told they "are working on it" and have no firm date.  It seems apparent that they have resolved the issue which causes the system to withhold future tax as it did not occur in XX/XX/XXXXbut they have not made the customer, me, whole.It is my belief that they performed an electronic funds transfer in the form of a withdrawal from my account without my consent and in error.  Pursuant to Regulation E they have 10 days to resolve or issue me a provisional credit.  As they have identified the error they are required to fix it within 1 business day.  None of these actions were taken therefore I am filing a complaint of Regulation E violation.Thank you,XXXX
Complaint sub-issue: Information is not mine

I have contact the Equifax, Transunion, and the various companies that have reported an inquiry to my reports. I mailed letters, filed disputes online, and also have called them to ask to remove the inquiry because they were NOT authorized by me. I have gotten no proof of signature or documents verifying the inquiry from any company or credit bureau that were reported. Please help me remove the items from my report because after several attempts via USPS, phone calls, and online disputes the companies have failed to provide me with paperwork with my signature.