Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a total of ( 3 ) FTC identity theft report for fraudulent accounts and inquiries showing on my EQUIFAX credit report and file ( each is attached ). I also sent an Affidavit of Truth on XX/XX/XXXX stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing a fraudulent account that I did not give written instruction to do. EQUIFAX finally deleted ALL of the items ( all accounts and inquiries ) from my credit report and file BUT did not comply completely, as they did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( XXXX )
Complaint sub-issue: Information belongs to someone else

DISCOVER FIN SVCS LLC XXXX Date opened XX/XX/2016 Balance {$1900.00} I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Complaint sub-issue: Problem getting my free annual report

I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX
Complaint sub-issue: Problem accessing account

Square says they cant provide monthly account statements for my square card and XXXX XXXX says that it is only handled through square even though they are the card issuer.
Complaint sub-issue: Reinserted previously deleted info

On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Complaint sub-issue: Old information reappears or never goes away

I began working on my credit a couple of years ago at which time I had to go through debt and sort it out. So one of the things I was able to get off the report was a XXXX XXXX do that was very old and not accurate. Somehow after having a clear report for at least a year it shows up under the name XXXX for the same debt. It is a closed account but has been taking care of a couple of times. I would just like to have it removed.
Complaint sub-issue: Account status incorrect

On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXX with any advice you can give.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in 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 written instructions.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello ... I obtained this loan while attending XXXX XXXX XXXX XXXX. The initial loan amount was for {$16000.00} taken out on XX/XX/XXXX This negatively amortized loan from XXXX XXXX XXXX has to be illegal. I have made most of my payments with some deferments here and there and my total that I owe now is {$25000.00}! My balance increases with making payments every year. I filed bankruptcy in XXXX and should have been able to discharge this loan through my bankruptcy but it was denied. I could n't pay the loan terms then and I ca n't now. I have contacted XXXX 's servicer AES several times trying to modify the loan to reasonable terms and they refuse to work with me. I have made over {$12000.00} in payments yet my balance continues to go up.
Complaint sub-issue: Personal information incorrect

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. Equifax refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover paid a merchant XXXX XXXX XXXX  {$100.00} on XX/XX/XXXX. I disputed the amount as I had no idea what it was for. Nobody could tell me what it was for. Apparently back and forth they paid XXXX, gave me a credit, paid the merchants and then gave me a credit. Finally on XX/XX/XXXX they stated the merchant XXXX was paid however, no proof has been provided they were paid and it is NOT on my statements I have poured over. Discover.com sent me an email attached stating they took the credit back from me and still have not provided me proof they paid the vendor. Only verbally have they told me. They said XXXX was paid on XX/XX/XXXX, XX/XX/XXXX and tons of other dates. I have 1 screenshot of a payment made to XXXX on XX/XX/XXXX. This has gone to collections with XXXX XXXX XXXX stating I owe the money yet have not validated the debt. XXXX was contacted as well and escalated the issue with nobody calling me back either.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX to be removed from my Equifax report. I sent letters in XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX certified mail. I have no knowledge of these accounts. I requested these accounts be validated, and proof of validation sent to me. I did not receive any validation of these accounts or any letter of investigation in 30 - 45 days. I finally received 2 reply letters stating the accounts were verified/validated. Credit File date : XXXX XXXX, XXXX, Confirmation # XXXX & XXXX File date : XXXX XXXX, XXXX, Confirmation # XXXX. I did not received any proof of validation with these letters as requested. 

I recently received another letter stating the accounts were verified/validated, with no proof of validation with this letter as requested also. XXXX XXXX date : XXXX XXXX, XXXX, Confirmation # XXXX. 

I have a XXXX XXXX on my Equifax credit report and my personal information was compromised also as a part of the recent Equifax Breach situation a few months ago.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and these are the accounts that I am requesting to be removed from my credit report : XXXX XXXX : {$51.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Fraudulent charges were made on my Citibank account beginning XX/XX/XXXX after I took out a FREE trial with a company called XXXX on XX/XX/XXXX. They required a credit card, but I cancelled the next day and was never charged for the trial membership. I never made a single charge to XXXX other than the trial membership fee which was never actually charged to my Citibank credit card because I cancelled. However, someone used my credit card information to begin placing charges. Several went through unnoticed until the thief became bolder and began charging multiple amounts on the same day for the exact same amounts in XXXX. I reported these as soon as I realized it to Citibank in XXXX, XXXX, when 18 charges went thru on the same day for {$39.00}. I have been dealing with Citibank now for over a year and it has been a nightmare. At first they were very helpful and refunded the charges to me, but then began to charge them back to me. It became unbelievably complicated to sort through the multiple charges, refunds and charge backs. I have called over and over again and spent hours on the phone with multiple people trying to explain, some were helpful but most were extremely condescending to me, using the complicated process to try to convince me I didn't know what I was talking about. I had hope at one point when they sent me a stack of my own statements with a complicated color highlight system showing what had been charged, refunded and charged back, asking me to sort through them and send them back the charges that still needed to be refunded. I spent three days going through what they sent me and sorting it out into an easy ( as possible ) to understand spreadsheet. I sent them this spreadsheet on XX/XX/XXXX and have had no response. I have attached my written correspondence and the spreadsheet with this complaint. Please help me, XXXX also promised to get to the bottom of this but did nothing except apparently provide Citibank with some bogus information to say I made the charges. They are a phone service that charges a small monthly fee of {$19.00}, and no one can tell me what anyone could possibly purchase at this company with XXXX charges of {$39.00} + XXXX charges of {$26.00} for a total of {$1400.00}. I hate to report Citibank and fear repercussions, but I desperately need help to get them to refund me the remaining fraudulent charges of {$430.00} plus all the interest they continue to charge. I am reaching out to Consumer Finance as a last resort and praying you can help.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I got collection record in my XXXX XXXX  report. It was {$110.00} amount they reported as a collection but I was not even informed before they did this and other person from XXXX XXXX   called and I already paid them money. I don't know why did they put it for collection. I want to dispute on this collection record.
Complaint sub-issue: Was not notified of investigation status or results

I mailed a letter to the credit bureau on XX/XX/2021 then another one on XX/XX/2021 regarding wrong accounts on my report. It is now 56 days from my first letter and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation
Complaint sub-issue: Information belongs to someone else

I already filed Fraud Report over year and half ago these bureaus Equifax and XXXX I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
Complaint sub-issue: Funds not handled or disbursed as instructed

PNC Bank of XXXX NC took my grandfather 's inheritence meant for me as per his will and disbursed it to my father when he fraduently opened an account with my birth certificate forged to look like I was 18 when I was a minor. They admitted this and said although this is their fault they don't feel responsible for replacing the funds. This has been an issue for going on 7 years.
Complaint sub-issue: Used obscene, profane, or other abusive language

True Accord has contacted me via email asking me to pay an unvalidated and unverified debt. True Accord 's emails are false and misleading. I did not give True Accord permission to contact me.
Complaint sub-issue: Reporting company used your report improperly

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and XXXX, Equifax credit reporting agency, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired XXXX, XXXX  Inquired XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Complaint sub-issue: Information belongs to someone else

Their are inaccurate accounts and addresses on my credit report that doesn't belong to me.
Complaint sub-issue: Problem with personal statement of dispute

Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my equifax credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit
Complaint sub-issue: Information belongs to someone else

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$420.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX BANK 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: Information belongs to someone else

I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 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
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my XXXX credit report ; which indicated that my current and good standing auto loan with Helm Associates had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through Helm Associates. My auto loan with Helm Associates is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other Thursday/Friday ( bi-weekly ) instead of waiting until the scheduled Saturday. On XX/XX/2022, I contacted Helm Associates and spoke to XXXX at about XXXX PM, inquiring about the change to my XXXX credit report ; as I did not receive a phone call or correspondence by mail or email from Helm Associates alerting me of this issue. During my phone call with XXXX, XXXX informed me that Helm Associates is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with Helm Associates. XXXX also stated, XXXX XXXX, the controller for Helm Associates, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to Helm Associates and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX AM requesting assistance with this issue but this is still unresolved. As of today, XX/XX/2022, a month later, my XXXX credit report has not been updated indicating that I currently have an auto loan with Helm that is current and in good standing ; as this information is still missing from my XXXX credit report. While this information has been removed from my XXXX credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. Phone call dates : XX/XX/2022 at XXXX PM- Spoke to XXXX XX/XX/2022 at XXXX AM - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX PM - No Answer Complaint number XXXX was submitted in XXXX and there has been no resolution to issue, I recently applied for an auto loan ; which could not be processed because there was not record of my current auto loan with Helm Associates .
Complaint sub-issue: Information belongs to someone else

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Complaint sub-issue: Deposits and withdrawals

Citibank is not honoring their cash bonus on new accounts Opened account on XX/XX/2022 Deposited $ XXXX to benefit from $ XXXX cash bonus as advertised. 
I have maintained this balance since XX/XX/2022 and beyond the 60 consecutive days as required by Citibank Citibank should have deposited the bonus within 90 days and has failed to do so. 

I called Citibank in XX/XX/2022 and they confirmed that the bonus would be credited within the 90 days I called again today XX/XX/2022 and Citibank now claims that " no promotion is attached to the account ''
Complaint sub-issue: Account status incorrect

Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX. A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus XXXX, XXXX and Equifax.

XXXX  and Equifax have failed or denied all attempts mark debt accurately.

Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail.

As of XX/XX/XXXX, Bureaus XXXX and Equifax still advertise the debt as outstanding and late.
Complaint sub-issue: Problem with customer service

On XX/XX/2022 I started a consolidation application with XXXX XXXX. They have reached out several times ( now 4 since XX/XX/2022 ) to American Education Services ( my current holder ) for my loan payoff information and AES will not respond with what they need. This is almost 30 days later and time is of the essence. 

Also I asked that AES update my file to show that in that forbearance period due to consolidation and they have failed to do so. 

AES should be sanctioned and made to follow through with my request.
Complaint sub-issue: Information belongs to someone else

Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.