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

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX  XXXX   XXXX {$600.00} XXXX XXXX XXXX {$19000.00}
Complaint sub-issue: Debt was paid

Outstanding on time payments and final payoff to card was XXXX. Due date was XXXX and money arrived 12 hours later. Late fee charged on XXXX for {$29.00} then another late fee charged on XXXX even though the balance was paid of XXXX. They state they can not waive both late fees. I find it appalling on a holiday weekend they charge a late fee for receiving a final payoff hours after the due date. Unacceptable on their part to take {$60.00} from me that is not owed to them.
Complaint sub-issue: Investigation took more than 30 days

I am writing you a formal complaint against Equifax, in regards to their company not following a well established laws of the Fair Credit Reporting Act ( FCRA ). See ( SECTION 609 and 611 ( a ) ( 1 ) but not limited to. Given the fact that more than 30 days had expired, ( XX/XX/2020 - XX/XX/2020 ), and no proof was given validating the accuracy of the accounts encompassed in the four corners of my document, everything must be removed from my credit report. See ( attached dispute letter, certified mail receipt, but not limited to. )
Complaint sub-issue: Problem getting your free annual credit report

I tried to obtain my Equifax free online annual credit report today due to the recent announcement that Equifax 's consumer data was stolen. Equifax was not able to produce the online report ; the other XXXX agencies provided me their online credit reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXXt Act. # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX XXXXXXXX Act. # XXXX XXXX  Act. # XXXX XXXX  Act. # 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: Account status incorrect

XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.
Complaint sub-issue: Information belongs to someone else

I WAS LOOKING AT MY CREDIT REPORT AND WAS SHOCKED TO SEE ACCOUNTS THAT WAS AUTHORIZED BY ME. I FILED A POLICE REPORT AND FILED A FTC CLAIM AND WITH THE CFPB. I CAN'T BELIEVE THIS IS HAPPENING TO ME. THIS IS VERY DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.
Complaint sub-issue: Information belongs to someone else

after reviewing my credit report I was shocked I have never had any dealings with XXXX and they have a crazy amount on my credit for {$2600.00} it is being reported by IC systems and it does not belong to me i ahve sent multiple letters disputing this over the course of 1 year and have never received any response back. PLease help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company Equifax put 3 negative negative inquiry in my credit report like you see bellow i contacted Equifax and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # XXXX with Equifax Equifax Credit Report for XXXX XXXX XXXX Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit. 



AND THE SAME HERE WITH XXXX MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX put 2 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
Complaint sub-issue: Account status incorrect

As cosigner on a loan I was notified after the payment was late ..under 30 days ... and paid the loan off myself over the next 90 days. The loan does not show any online payments on my credit report only 1, 30 to 59 day late payment when the pay history other than the one instance was perfect. Reported fraudulently with bias against myself by the lender and must be removed entirely due to violation on fcra.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement XXXX days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00}
Complaint sub-issue: Reporting company used your report improperly

I have had an account opened XX/XX/XXXX with XXXX XXXX XXXX and the account was paid off XXXX of XXXX. I asked them numerous times since this account is PAID IN FULL to please remove from my account. I have had no luck getting this removed from my credit reports. This is why I am making this complaint.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX, Citibank notified me via email that an EFT payment for {$130.00} scheduled on a XXXX checking account for -- note this -- XX/XX/XXXX could not be processed. Then on XX/XX/XXXX, {$380.00} another EFT scheduled for XX/XX/XXXX could not be processed. On XX/XX/XXXX, another {$190.00} could not be processed yet I was not notified until XX/XX/XXXX. 
After researching the XXXX account, I found there was ALWAYS funds to cover the EFTs. The XXXX account was NEVER overdrawn since inception. A call to Citi invoked a conference call between the Citi senior representative and a XXXX representative. 
It was confirmed by XXXX that there was always funds to cover the EFTs yet absolutely no record of any attempt by Citi to collect funds. 
A complaint to Citi resulted in an email exchange with Citi 's Executive Response Team. I requested the documentation for their excuse that the account was 'frozen ' or Citi was an 'unauthorized user ' in emailed correspondence. Citi have produced none. XXXX relays the EFTs were never presented nor was there ever a freeze or unauthorized used of the account. Citi was paid through this account from XXXX to XXXX. 
Citi requested a payment on XXXX, XXXX of {$200.00} which was received and confirmed on XX/XX/XXXX YET they reported an overdue and over the limit account to the XXXX major credit bureaus, maliciously harming my credit. Citi had options. They could have produced the reasons from XXXX in a timely manor. Inasmuch as XXXX failed to notify Citi -- if that were true -- of the actions, I should have been notified of the problem. That would have initiated a conversation of how to handle the situation. Today, I don't know if XXXX is at fault ; they deny any knowledge of the situation, yet Citi blames them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I do not have my dates exact. Approximately two years ago I noticed a charge from XXXX. XXXX XXXX. I filed a dispute with Citi Cards and they followed up and reversed it in XXXX favor. Citi told me to call XXXX and resolve it with them. So I called they could not find an account, if I remember correctly because its been two years. However I have not owned a XXXX product in at least 15 years and I would not buy a XXXX product I have no use for them. Anyways in the end I ate the {$100.00} I asked Citi Card to change my account number so that it could not happen again just in case its a subscription. The following year it happens again I file a dispute. They went in favor of XXXX again. Lets just say it was a mistake the first time just for grins. You dont make the same mistake two years in a row it sounds like Citi made a mistake. But they are so big how do you fight them over a lousy XXXX dollars? I canceled my account closed it. As a consumer all I can say is we are powerless over these big companies what can I do?
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Complaint sub-issue: Problem during payment process

Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late., Listen, basically I was shocked when I reviewed my credit report today and found late payment 2 times this year 2020 for 30 days late. The bank was closed that only drive-thru transactions for cashing check and withdrawals were accepted. I wasn't sure that during these tragedic time your organization was marking people late. I finally setup only account where it showed that the money were sent to ELAN financial services and it's impossible for me to be late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I have been trying to work with American Education Services regarding my student loans for the past few months. I have been making payments online for years under my user name created when I first had my private student loans disbursed. In the last 5 months XXXX had some sort of change or system issue in which it blocked me from being able to access my accounts online. I am told the issue is because my profile online had my full name including my XXXX at the end of my name and that my student loans in their system was just my name without the XXXX at the end of my name and that this was causing a problem. I am currently living overseas in XXXX and have been for the past XXXX years. I have been making payments online with no problem during this time, but now I have called them several times to have the issue corrected and they continue to give me a hard time and despite speaking with a supervisor a month and a half ago who promised this was corrected and I would be able to log on my account the next day to make my payments, I was still unable to. I called again today and spoke with XXXX person who said they could fix it, and deleted the other profiles and had me create a new XXXX from scratch, but continued to get the same error message when trying to log in. They transferred me to someone to make a payment over the phone to bring my account current, and then that person proceeded to tell me I need to send in passport copies to validate my name to fix the issues. The last supervisor I spoke with said this was not necessary especially given I live overseas and it is difficult for me to do so, and in 10 years I 've never had an issue before. This is due to THEIR system issues or upgrades, not due to an issue XXXX the consumer created. There is a lack of compassion or concern as well as a lack of action to resolve their internal issues. As a result I have loans which are now 90 days past due ( just brought current XXXX and 131 days past due with them threatening to default them, despite the fact that their system issue is preventing me from making my payments online.
Complaint sub-issue: Debt is not yours

To whom it may concern I sent in a debt validation letter on XX/XX/18 to both XXXX  and XXXX  and they are still reporting these items of Dept of education/Nelnet which doesn't belong to me at all..This is affecting my credit score terribly. I plan to purchase a home this year and I will never be a homeowner at this point with inaccurate information on my credit reports..According to the FCRA rules, FCRA 823 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation and my original dispute of inaccurate information that does not belong to me. I did not sign for anything, This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX XXXX XXXX XXXXXXXX has previously been " verified as accurate ''. Attached is the letter from XXXXXXXX XXXX  to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX an unauthorized payment for {$3000.00} was made from My cash app account to another unknown cash app account. I immediately reported as fraudulent to cash app as well as reporting an incident that happened 5 days before where I received notice that My pin requirement setting was turned off. I did not do this and when I checked app settings it was not turned off but to be safe I changed My pin thru the app and toggled setting off then immediately back on. I submitted to them the supporting documentation as well. The actions and treatment from support is blatantly avoiding resolution to the point I suspect to perpetuate the internal fraud committed when the money was stolen from my account. My account was completely secure on my side so why is cash app is unwilling to prove the promise of encryption was fulfilled on their side?
Complaint sub-issue: Didn't receive enough information to verify debt

ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.
Complaint sub-issue: Other problem

I opened a secured credit card with Discover a few years ago. On XX/XX/2022 they sent me an email that they have mailed a check in the amount of {$1500.00} which was my security deposit. 
I did not receive the check and called them around early XXXX. I was informed that the check takes about a month to be returned. 
I called them again today XX/XX/2022. I was informed that since I did not receive the check they will need to research it and if the check is not cashed then another check will be issued. It will take about a month. 
It seems like it is a routine process and policy they have to use the free money of clients for a period of upwards of two months.

There is should be an inquiry just to check how many customers are being treated this way and how much money Discover is using in this manner
Complaint sub-issue: Debt is not yours

Recmgntsys Opened XX/XX/2016 {$220.00} Original creditor : XXXX XXXX XXXX Overview {$220.00} Highest Balance {$200.00} Opened XX/XX/2016 ( 3 yrs, 4 mos ) Account status Open Type Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX Creditor Information RECEIVABLES MANAGEMENT SYSTEMS
Complaint sub-issue: Information belongs to someone else

I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXXXXXX US DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX
Complaint sub-issue: Account status incorrect

IC System Inc., has not reported to the credit bureau truthfully regarding my account being closed and paid in full now. I have submitted a payment for my past due bill approximately XX/XX/2021 and have returned the cable equipment to the original creditor ( XXXX  ). I also have submitted the receipt for the returned equipment to the email provided by IC System Inc., The account still shows like the balance for the equipment is still owed.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Complaint sub-issue: Debt resulted from identity theft

I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt was paid

My husband and I sold our house and moved from XXXX to XXXX in XX/XX/XXXX. I was hit with a big bill from XXXX XXXX for {$580.00} in 4 mos. I paid it off by a personal check on XX/XX/XXXX. XXXX XXXX, my ex-utility company, continues to send off debt collectors in spite of my many attempts of phone calls and mail correspondences to stop such harassment. 
Would you please advise? I thank you so much in advance.