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

After 2 submissions of disputes in regards to my identity theft and non action from the credit reporting agencies, I have no question but to submit this complaint as I have submitted everything according to there corporate policies and FCRA 605b. in regards to Identity theft.
Complaint sub-issue: Problem during payment process

XXXX Sent {$700.00} credit card payment to U.S. Bank XXXX U.S. Bank only credited my account {$100.00}. 

{$100.00} applied left a balance due which incurs an interest charge, instead of {$700.00} that covers total balance avoiding interest charge. 

XXXX XXXX Received new bill and caught error. Called U.S. Bank, rep. XXXX who advised since posting matched amount my bank deducted from my checking account nothing can be done to avoid the interest charge. I won't pay interest for their error. Please help.

1
Complaint sub-issue: Their investigation did not fix an error on your report

While selecting options in the prior pages there were not choices which apply exactly to my situation!? 
I have a dispute with FedLoan Servicing for reporting me " 90 Days Late '' on TEN accounts without contacting or attempting to contact me in any way. 
I have 10 School Loans on my name for my son 's college education. He graduated 3 years ago and has been struggling with drug addiction. The loans ( mine and his ) were placed on " forbearance '' status since his graduation. In XXXX, XXXX, FedLoan Serv. sent me an email notifying me to log on, and extend the " forbearance '' status of my loans, based on mine and my son 's being unemployed, and I having to care for my elder mother. 
This was the last communication I received from FedLoans! 
In XXXX of XXXX my son was committed to a Clinic for XXXX in XXXX, where he presently is. Since then the family attention and resources have been devoted to his treatment. Prior to him checking into the facility, he assured me that the loans are in " forbearance '' mode. 
In XXXX, XXXX, I incidentally discovered that FedLoans have had me reported " 90 days late '' on all 10 accounts to the Credit Bureaus .They told me they SENT ME A TEXT on XX/XX/XXXX. I verified with T-Mobile that this is not true. When confronted with the fact, on XX/XX/XXXX, they ( XXXX ) stated " ..still, it is a correct reporting ''. They claim to have sent emails to my son 's ( he has not have internet access since XX/XX/XXXX ) email, being the 'primary ' in the account, while mine is 'secondary '. I am residing, since XXXX, at the only address they have on file. The phone number they have on file for me, I have had for 15 years. 
Please, let me know if I can help with an additional information. 
Thank you. 

XXXX XXXX. 
PS : FedLoan Services did offer, and provided me with a letter/statement that I am, and have been current on all accounts, BESIDES the 90 days.
Complaint sub-issue: Other problem

I have been a consumer of citi bank credit card and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in trouble with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious trouble. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out? I dont think major corporations should be able to make their own laws especially in contradiction to the us constitution. If they are allowed to do this whats next? They dont have to provide services based on the color of your skin? Or maybe because they disagree with your political view? Not being able to get a home loan, not because you have bad credit but because the bank doesnt like you for ... ... fill in the blank. I fortunately have the ability to drop my longstanding relationships with these companies but some may not have that option. This is wrong, this is going down a slippery slope and it should not be allowed to stand.
Complaint sub-issue: Information belongs to someone else

i have disputed multiple times with Equifax and the dispute comes back verified. I want actual proof showing that every debt that i have disputed has been verified. I have not got shown anything. I am demanding how they verified that every account has been verified. Including contracts, agreements, written consent that I have agreed to a certain account. I want full documentation to show that i was the one who signed the contract. If not i want everything i have disputed removed and taken off from my credit report that is not mine. Multiple address and phone numbers as well. Confirmation numbers for disputes are XXXX and XXXX. I want equifax to send verification that the accounts were actually verified.
Complaint sub-issue: Account status incorrect

After apply for a Discover secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.
Complaint sub-issue: Account information incorrect

I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Not given enough info to verify debt

Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.
Complaint sub-issue: Privacy issues

Received a cash app card.I never applied someone used my social security number.I called the company they said they closed my account and that I should file the report
Complaint sub-issue: Can't get other flexible options for repaying your loan

i have tried for about 2 years to repay my student loan i was offered a plan to get my loan out of default was paying about XXXX dollars a month around XXXX. the customer service person i spoke with explained that once my loan comes out of default the payments would be around the same amount each month. That was not true i was lied to and i still do not know what to do about my student loan i want to pay my student loan. the company is ECMC. AGAIN I WANT TO PAY STUDENT LOAN BUT AS A CONSUMER I AM CONSTANTLY GETTING THE RUNAROUND IN THE MEANTIME INTEREST IS STEADY BEING ADDED TO MY ACCOUNT THIS SHOULD BE AGAINST THE LAW THAT COMPANIES ARE DOING THIS TO CONSUMERS.
Complaint sub-issue: Debt was paid

One day while shopping at Costco an employee at the customer service area approached me about a credit card w/Citibank & Costco, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by Costco meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at Costco that day, plus more as I was receiving harassing phone calls from Citibank stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what Citibank stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from Citibank stating that they sent the credit card to my address and that it had been returned which I never knew until receiving Citibank 's letters that Citibank attempted to send me a credit card twice and they were returned. I told that Costco rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that Citibank is charging me was not an amount of purchased items as I paid my one time shop spree with Costco 's temporary paper slip, so my question is why is Citibank stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is Citibank continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called Citibank to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that Citibank attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
Complaint sub-issue: Information belongs to someone else

I have been going back and forth with Equifax and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. Equifax is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give Equifax consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my Equifax credit profile, I will be forced to hire an attorney and seek damages due to Equifax 's unchecked and UNLAWFUL actions against my life and my credit profile. 


FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX xxxxxxxxxxxx XXXX 2.  DEPT OF ED / XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX, XXXX, MI XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

On or about XX/XX/XXXX I logged onto Best Buy 's website, and observed my total balance. After observing the total in the amount of XXXX ; I paid my account in full. In XX/XX/XXXX it was brought to my attention that the same account was sixty days delinquent. As soon as this was brought to my attention, I immediately paid the current and incorrect stated balance. Upon finding out how this error negatively affected my credit score, I contacted Best Buy on XX/XX/XXXX in an attempt to determine how to resolve the inaccuracy. Best Buy told me that forty dollars remained, and there was nothing they could do ; they would not accept the fact that they made an error. At this point I pleaded with the Best Buy associate ; asking why would I pay XXXX and not XXXX, and was brushed away with, " there is no difference between XXXX or XXXX XXXX, you'll have to dispute it. '' I then proceeded to XXXX, and filed on dispute. The dispute returned results on XX/XX/XXXX, but stated that the creditor 's information was accurate. I immediately called XXXX, asked a few questions, realized what they do to dispute, and was told my history meant nothing. It does not matter that I had no other negative remarks/data, or a little common sense is all that is needed to show the insanity within ruining someones hard earned credit just because the creditor says so.
Complaint sub-issue: Account status incorrect

This is referencing a previous dispute for an XXXX Acct ending in XXXX, also from a previous CFPB Complain # XXXX and most recent equifax dispute XXXX XXXX. 

So currently this is XXXX dispute for same errors which still have not been corrected by Equifax which seems to be impossible when i have supplied invoice and payment records directly to equifax, which continues to state they have verified information for the acct ending in XXXX as correct. 

# 1 acct showing as open and was closed by creditor on XX/XX/XXXX but eguifax still showing as open.. 
# 2 Equifax shows the acct late for XX/XX/XXXX, i previously supplied invoice from XX/XX/XXXX showing payment due {$84.00} by XX/XX/XXXX, and show acct statement for XX/XX/XXXX showing a payment of {$84.00} made on XX/XX/XXXX which means there was no late payment in XX/XX/XXXX. 

Which means equifax is not doing a real good faith investigation, considering i have supplied supporting documentation for the past XXXX disputes but equifax has failed to remove the errors, or delete the inaccurate information. 

So being this is my XXXX dispute of the exact same errors, i want this acct removed from the report considering there was a 30 day period for them to correct these errors and some of these investigation have been closed as soon as 2 weeks by equifax.I am currently being told i should seek legal representation because even with the evidence i keep providing equifax fails to correct these obvious errors, so i want this to be on record for future litigation, so i am documenting i have tried XXXX  times to get my credit report corrected, since i am being turned down for credit because of the inaccurate payment data on acct for XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # has violated my rights. 

15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Received bad information about your loan

My previous complaint was recently closed and did not answer my question. I asked fedloan about why I am still being held responsible for 2 loans that clearly show the disbarment was cancelled and also states {$0.00} of {$2000.00} was disbursed & {$0.00} out of of {$1000.00} was disbursed, they stated the reason it shows cancelled is in regards to the second disbursement. However, when I view the loan period for said loans the dates show XX/XX/XXXX-XX/XX/XXXX. How could there be a second  disbursement made in XXXX when thats after said loan period? Also, why were 2 of the 3 second disbursements cancelled and not the other? That does not make any sense how you would cancel 2 second disbursements but allow 1 other to be disbursed. If what your saying is accurate then I would be charged for a second disbursement ( that you claim was disbursed ) on my loan breakdown but it does not appear. Whats even more concerning is that at the top of the total loan breakdown it shows {$4800.00} total owed, {$1700.00} original amount awarded ( coincidently the same amount as ONE loan that was disbursed, ONE time. ) I am requesting all documentation relating to every disbursement that was ever made, cancelled or not, every cancellation and copies of the alleged second disbursement that was cancelled for 2 loans as well as the second disbursement that was successfully awarded.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I wrote the three credit bureaus, XXXX Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Complaint sub-issue: Personal information

Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.
Complaint sub-issue: Account information incorrect

This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

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

In accordance with the Fair Credit Report Act 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 an account without my permission.
Complaint sub-issue: Didn't receive notice of right to dispute

This company has not provided any information as to the debt but has reported it to the credit reporting agency.
Complaint sub-issue: Was not notified of investigation status or results

I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.