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

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 transunion 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account information incorrect

False info on credit report XXXX XXXX this has had several errors in XXXX it was repoted as public records it is not disputed and changed and in XXXX it was reported as having payment history which its a closed account and has been no paymenr history i dispured they changed that info and claimed it was verfied as acurate which is a lie its not accurate if its accurate why would that info be changed i have disputed a couple other times for errors as well and stuff has been changed they keep reporting false info affecting score and costing me alot of money in extra intrest rates over the years at this point theres only one way to correct thus problem and its to delete the account from credit report
Complaint sub-issue: Need information about your loan balance or loan terms

Nelnet refused to allow me abscess to an account that I am the endorser. The borrower refused to pay the loan. I have no knowledge of his whereabouts. I have been making monthly payments but they will not release any information to me. I am only able to call in and get a summary of the account. I have been asking for ascess for more than 2 years. I have no idea where my money is going.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pa ss the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FORA - they are required to  " ... promptly delete all information which can not be varified. '' That I have disputed. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield is a third party collection agency trying to collect on a debt that was a result of identity theft. This action is a violation of the FCRA and my consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I believe Equifax is in error regarding their completed Investigation ( Confirmation # XXXX ) of a dispute I initiated regarding my personal Credit Report file. This dispute centers on the CRA 's ( Equifax 's ) right to report a Hard inquiry on my Credit Report file without providing to me the actual proof of proper verification requested. Absent actual proof of proper verification, as requested, the Hard inquiry would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiry MUST BE DELETED from my Credit Report file. ( TAKE SPECIAL NOTICE SECTION ( E ) - - " OR can not be verified '' - - Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) September 2012 609. Disclosures to consumers : U.S. Code Title 15 Chapter 41 Subchapter III 1681g ( c ) ( 2 ) ( E ) : ( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. )
Complaint sub-issue: Account status incorrect

Enhanced Recovery is reporting an account on my file that I have paid. I recently took a look at my credit and notice ERC is still reporting a debt that I have paid to them. I ask that they remove this account as it has been satisfied. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Complaint sub-issue: Information belongs to someone else

# XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX - Alleged Closed Account The above items are not recognized as not belonging to me.
Complaint sub-issue: Didn't receive notice of right to dispute

On Sunday XX/XX/29 I received a text alert from XXXX XXXX that a collection account was added to my credit report from XXXX XXXX. I was not notified by mail that they were attempting to collect this 6 year old debt. Therefore I was not afforded the opportunity to ask for proof. This was placed on my credit report instead before I was afforded the opportunity to dispute this. The original creditor was XXXX XXXX for {$280.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a report stating that these accounts are not mine and that my identity may have been stolen which I have included with this message. I have listed the accounts below. 
I have no idea how these fake items ended upon my credit profile but I want you delete them because I do not want to have someone else accounts in my profile or misleading info. Please delete them asap as its complete fake
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB Case # XXXX Citi XXXX XXXX - CreditCard This letter is followup to the above case, it is relevant because this case is new since Citi just place the changes on XX/XX/XXXX. In XXXX Citibank entered delinquencies on my credit card account, even though the account was involved in fraud. Citibank had incorrectly changed my billing and email addresses. They sent my billing statements with {$20.00} due to the wrong address ( in another state ) for 4 months. When I finally received the bill I immediately paid the {$20.00}. They also billed me {$150.00} in overdue charges and fees. After much discussion one group dropped the charges but another sent in 3 - 6 months delinquencies on my account. This amounted to my credit rating being dropped over 70 points and the marks against me being on my credit record for 7 years. 

After receiving correspondence from the CFPB, Citibank rectified the issue and on XX/XX/XXXX the credit Bureaus corrected the problem. My credit rating raised to over 800 ( Excellent ) - which is what it had been for years. 

On XX/XX/XXXX Citibank resubmitted the original false delinquencies to the bureaus and my credit rating was reversed to the 700 's ( good ). XXXX  reviewed my file and the letters from Citibank to remove the delinquencies. They contacted Citibank and Citibank again refuses to correct the problem. 

Please help. I need next steps. Do I have recourse?
Complaint sub-issue: Account information incorrect

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX  about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX  report was corrected as well. However, now on my XXXX  report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached 2 FTC reports with inquiries I did not authorize, Please delete
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2018, I received a bill in the mail for my credit card that was maxed out. That's when I noticed it was stolen ( as it originally had a XXXX  balance on the card ). I called Discover to notify them of my card being stolen and made a fraud report. The transactions total over {$4000.00}. Discover held an investigation since this time, but is still reporting me liable for these charges. I have provided numerous documentation to help support my claim from police reports, to phone records, to identity theft documentation, etc. I would like help in resolving this matter as I don't feel it's fair for me to make these payments on transactions that I didn't make.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I bought a new XXXX XXXX XXXX that was financed through US Bank. ( not my pick ). Per their records my loan was paid off on XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX the bank closed my acct. and sent an electronic release of lien to the Az. DMV. The DMV said they never received the release and the bank doesn't follow up electronic correspondence. I spent the next 3 wks. calling their customer service people, never the same one, 2-3 and 4 X day to try to get them to send another electronic release to the DMV. I have never gotten an answer as to why they won't do it. I am trying to sell the car & had someone to buy it 7 wks. ago. I also can't talk to the people in charge of sending the releases ( reason unknown ). I have run out of people to talk to.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
Complaint sub-issue: Problem with rewards from credit card

On XXXX XXXX, XXXX, the promotional balance is at {$1500.00} and is not due until XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I have made a purchase of {$1200.00} ( see attached ) and selected the 24-month financing, at that time the balance was at {$2700.00}, calculated from the available credit of {$230.00}. On XXXX XXXX, XXXX, I have made about 5 more purchases on Best Buy with the total of {$960.00}, I was getting some denial message at that time, upon checking with customer service that was due to insufficient credit line. I have immediately made a payment of {$100.00}, as well as on XXXX XXXX, XXXX, a payment of {$1000.00} to make sure those five transactions can go through.On XXXX XXXX, XXXX, the account balance was at {$2900.00} with the available credit of {$63.00}. On XXXX XXXX, XXXX, I have made a purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX. - Now it shows I have a balance of {$3000.00} but the promotional balance is at {$1600.00}, meaning I will need to pay {$1300.00} in the upcoming statement to avoid interest, but in my calculation, that : - If {$2700.00} is not due until XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, made some purchases on XXXX/XXXX/XXXX for {$960.00}, and paid off {$1100.00}, the promotion balance should still be at {$2600.00}, meaning I should only need to pay the purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX, for total of {$240.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

equifax is reporting a debt from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX on my credit report incorrectly. These were included in by bankruptcy with was discharged. These debt should be removed from my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed two inquiries on my credit report with the data furnisher and the data furnisher replied to me telling me that they were going to send a request to Equifax to have the two inquiries in question deleted from my credit report. This was around two months ago and still the inquiries are being reported on my credit report. I dont know why equifax wont delete these inquiries if the data furnisher is telling them to do so, I have the response from the data furnisher and I will include it in this complaint. The inquiries are XXXX   and inquiry dates are XXXX/XXXX/2018 and XXXX/XXXX/2018.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.
Complaint sub-issue: Don't agree with fees charged

My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. 
When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. 
I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. 
I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. 
When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. 
Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.
Complaint sub-issue: Information belongs to someone else

Equifax is still reporting a fraudulent account with " XXXX XXXX XXXX XXXX   '' acct # XXXX. This account was unable to be validated and I received documentation it was removed from my credit report ; however the account is still reflecting on my Equifax report.
Complaint sub-issue: Problem with fees

We enrolled in automatic payments with Macys several years ago. The payments are automatically processed through their system and taken directly out of our checking account. We discovered that Macys was taking our payment out 1 day after the payment dates, and then charging us a {$40.00} late fee every month. We attempted to get them to correct this error and they were only willing to credit back 3 months of the fee. Additionally, they did not take out automatic payments for two months, they can not explain why this happened, but they reported it on our credit report as being 60 days late, then magically started taking automatic payments out again. They have refused to correct this on our credit report saying it was our error, yet they are not able to provide us with anything that shows why the automatic payments stopped.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair act XXXX XXXX XXXX  Account Number 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: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX breach.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i did not authorize theses inquiries on my account