Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XXXX I hired " XXXX XXXX '' to dispute collection charges from XXXX XXXX XXXX collection companies who both alledged that I owed " XXXX '' {$750.00} for a device. After paying XXXX XXXX several hundred dollars all three major bureaus reported " no open collections '' that same year. Then XX/XX/XXXX the same XXXX accountant was in collections again with XXXX, XXXX XXXX XXXX  FOR THE SAME AMOUNT OF MONEY! 
I HAVE A DOCUMENT FROM XXXX VERIFYING A " XXXX '' ( XXXX ) BALANCE!!! 
THIS FRAUD HAS DAMAGED MY CREDIT SCORE WHICH IS OURRAGEOUS!!! Two bureaus ; Equifax and XXXX removed the derogatory and fraudulant report in XXXX but XXXX  who XXXX XXXX supposedly works with the easiest, according to the paralegal I spoke with, JUST FINALLY REMOVED IT TAKING LONGER THAN 60 DAYS!!! I was in the process of procuring a loan and this fraudulent reporting damaged me financially!!! It is not enough to finally remove the collection report which was fraudulent because I WANT MY CREDIT SCORE BACK THAT I HAD LAST YEAR BEFORE THIS DAMAGED MY REPORT! Also, I believe XXXX XXXX dragged their feet with XXXX who the repeatedly told me they work closely with just to keep charging me a monthly fee. Please investigate them as I want my money back as well as my credit score from before all this damaging and fraudulent reporting!
Complaint sub-issue: Reporting company used your report improperly

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


Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries
Complaint sub-issue: Debt was result of identity theft

AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX for Equifax, the XXXX for XXXX and the XXXX for XXXX by way of certified mail, these companies received letters regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the errors on my credit reports from either of the 3 credit reporting agencies. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me while I'm attempting to deal with my finances during COVID. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 60 days to receive a no respons because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 73 days soon so they should be deleted promptly.
Complaint sub-issue: Information is missing that should be on the report

I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Complaint sub-issue: Information belongs to someone else

I was checking my credit karma.com account and saw several addresses on my account in the drop down menu.I contacted Credit Karma.com and asked them to remove the inaccurate/false information from my account.They refused citing/lying that they got/received the inaccurate/false information from the three credit reporting bureaus.This is 100 % false because there are no such addresses on my credit reports as all three credit bureaus have confirmed for me several times but credit karma.com to this day refuses to remove the inaccurate/false information from my credit karma.com account.
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 XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; 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
Complaint sub-issue: Information belongs to someone else

My federally protected consumer rights have been violated. See attachment immediately.
Complaint sub-issue: Other problem getting your report or credit score

I tried to get a refinancing from a bank. They checked my credit score and found my credit score from Equifax is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am currently in the Public Service Loan Forgiveness Program ( PSLF ). I learned after initially submitting my employment certification form that the numbers of qualifying payments varied drastically between my loans, despite the fact that I have always paid all of the loans together. I initially brought up this issue more than 3 years ago and there still has been no resolution. 

When I first discovered the problem I called and was told to submit some sort of appeal which I was told takes 6 months because it has to go to the Department of Education. After longer than 6 months I received the results stating my qualifying payment totals remained the same. I called again and was told this time that maybe the problem was that my loans were on something called " paid ahead status. '' They said they would take off this status and then I would have to resubmit. Again after longer than 6 months after submitting again the qualifying payment totals were incorrect. 

I called again ( XX/XX/XXXX ). I talked to one employee who initially said the review was done incorrectly. I then asked to talk to their supervisor due to it having been years since I started this process. I then talked to XXXX ( employee ID : XXXX ) who said that he manually checked some of my loans and agreed the payment counts were incorrect. He said the old tracking system had problems and had been updated and he would try to escalate the case for higher priority review. 

I still have not had resolution of this problem or heard back about a third review. I have three supporting documents attached : 1. List of qualifying payment totals for each of my loans as of XX/XX/XXXX. ( This is when I had employment certified up to XX/XX/XXXX. I have since certified up to XX/XX/XXXX and of course made more payments. However this illustrates the main problem of the variable total of qualifying payments : totals vary from 9 to 45. As you can see below the total should be 49 for all loans as of the time of this letter ) 2. History of payments  under XXXX ( this totals 36 payments ) 3. History of payments under Fedloan ( 13 done prior to XX/XX/XXXX )
Complaint sub-issue: Old information reappears or never goes away

In XXXX, I filed a dispute through the CFPB as a collection with XXXX XXXX XXXX  for {$220.00} showed up on my report. It came out that the account is my brother 's, not mine. 

XXXX XXXX XXXX never sent me any information or verification on the debt, presumably because it is an account under my brother 's name, not mine, and they put it on my reports in error. The debt ended up being removed from my XXXX and Equifax reports, but now it has been reinserted into my Equifax report without notifying me.
Complaint sub-issue: Investigation took more than 30 days

On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I was confused about some reporting on my credit reports among the XXXX bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all XXXX  bureaus with my concerns. 

Equifax responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! XXXX responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.
Complaint sub-issue: Information is not mine

I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXXThese accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police ReportXXXX Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My daughter applied for a XXXX Credit card from XXXX Bank. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX Bank reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Complaint sub-issue: Was not notified of investigation status or results

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX  XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/18- Consumer File was requested ( Consumer ) USPS Tracking :  XXXX XX/XX/18- Consumer File Received from Company ( Company ) XX/XX/18- Dispute was filed regarding Bankruptcy reporting via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Method of verification was requested and copy of letter from the alleged Creditor denying the reporting of Bankruptcy was sent ( Consumer ) USPS Tracking : XXXX **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- Reinvestigation requested via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Another request for the method of verification sent to Company ( Consumer ) **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- No response has been received ( Company ) XX/XX/18- Complaint filed with CFPB ( Consumer )
Complaint sub-issue: Account status incorrect

XXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX XXXX XXXX XXXX  making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have 383/383 on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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: Problem with fees charged

Car was totaled on XX/XX/22 and my insurance company payed CarMax off but before they paid them off the insurance company gave CarMax a check that was to much cancelled the check in XXXX and wrote a new check in XXXX CarMax don't like the new amount which was what I pay for the vehicle in XXXX so CarMax got the money from my insurance company XXXX XXXX and still billed me for the money they wanted from the first check and I don't believe that is right now I owe CarMax XXXX
Complaint sub-issue: Debt is not yours

I have submitted numerous notices to this organization requesting to see proof I opened this account or entered into this contract. They respond with recent payments, purchases, and balances that are not mine. 

I did not open this account nor contracted with this organization in any way. Yet they have extremely sensitive personal information of mine that I did not authorize them to attain. 

I do not recognize any of the purchases, payments or any statement information they provide. They claim I signed up for their credit card online, where I did not such thing as I have not had a credit card for 3 years now. 

This debt they claim is mine is not mine and they have yet to prove to the contrary, harassing me with notices irrelevant to me. 

This account/contract is void ab initio and must be cleared from my record immediately, and all my personal sensitive information must be removed from their database immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear XXXX XXXX Complaints, I have been waiting for almost 6 months for Citi Card to resolve my disputes with XXXX XXXX, initiated on XXXX. There are 5 disputes in all, regarding the same installation dispute. Oddly Citi was able to resolve two in my favor -- D # XXXX for {$300.00} and XXXX for {$60.00} -- but the last 3 remain stuck " in progress. '' I am very confused why, with the same extensive documentation, expert opinion and clear proof that smaller cabinets were installed than what I agreed to pay for, that these last 3 disputes remain unresolved ; D # XXXX for {$1000.00} ; D # XXXX for {$1200.00}, and D # XXXX for {$240.00}. XXXX XXXX will not respond, and neither will Citi. 

During this dispute process, Citi has lost documentation, closed some of the disputes for taking too long to submit evidence ( really? ) after I sent and resent all requested documentation numerous times in numerous ways -- and then reopened the cases after hours on the phone in protest. Despite 8 phone calls, I can get no closer to a full resolution. 

I have included many attachments below that show the time lines, along with all of the proof that I have submitted to Citi regarding Closet World 's failure to install what our contract stipulated, and a letter I sent requesting that all the documentation I sent be applied to all of the open disputes. 

Thank you, I truly hope you can help me.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Complaint sub-issue: Problem lowering your monthly payments

I have been current on all my payments but so far I can not seem to find a job to actually refinance to a different company, and so far XXXX XXXX has the nerve to say that my forbearance period is up. As of late the current company that I work for has been overworking and underpaying me to barely survive and this month I won't be able to pay my minimum payment towards my XXXX XXXX loan. This is getting out of and needs to be dealt with.
Complaint sub-issue: Trouble getting information about the card

My information I written down for my username and password got stolen I dont remember my security questions or any information is there any way to recover my info.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Information belongs to someone else

I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Employee 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) XXXX XXXX XXXX XXXX