Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Up until now, I have had a very strong credit score ( above 780 ) with a long history of paying on time on all accounts. Shortly after our mortgage was transferred to LoanCare, there was an issue with LoanCares auto-draft system set up on www.myloancare.com,  which caused my XX/XX/2019 mortgage payment to not go through. The result was a hit to my credit score of >100 points, which has significantly affected our family. 

Details of the error : On XX/XX/19 I registered for a web account through www.myloancare.com. I made a web payment on XX/XX/19. On the same day, I went through all necessary steps online to set up auto payments, which were set to kick in starting in XXXX. This auto payment didn't go through due to a LoanCare system error. I didnt receive a notification of delinquent payment that was sent by uncertified mail on XX/XX/19 to an outdated address and I have no record of a phone call from Loancare made on XX/XX/19. On XX/XX/19, I  noticed a significant decline in my credit score due to this account being overdue. The next day, I made a full web payment for XXXX, XXXX, and a late fee. My account is paid in full and there will be no more missed payments in the future. 

I have opened a disputes with LoanCare, XX/XX/XXXX, and XX/XX/XXXX, which have been denied without explanation. I have had many phone calls with LoanCare and XX/XX/XXXX about this dispute. I am requesting website user logs from LoanCare that prove that there was never an autodraft payment set up in XXXX of 2019.
Complaint sub-issue: Information belongs to someone else

I already reached out to the credit bureaus and to MACYS/DSNB for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and 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. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Complaint sub-issue: Trouble with how payments are being handled

My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.
Complaint sub-issue: Information belongs to someone else

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Complaint sub-issue: Other problem getting your report or credit score

OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX Equifax and on XX/XX/XXXX XXXX reported that i had a missed payment from XXXX  XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXX XXXX  has sent the proof that i never received any late payment but its still on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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: Account status

I have a XXXX Account for many years and have existing Investments through them. I moved to Hawaii in 2003 and there were no XXXX XXXX Locations in the State. Finally I had to close my account and open a local Bank of Hawaii account. 

I moved multiple times, always forwarding mail to my new address, however at the time I closed this account, I never received any late fee notices or contact via telephone or email. I submitted a letter to close my account and paid off the entire balance. There were absolutely No Late Fees I was made aware of at anytime. 

The amount disputed is {$15.00}, I have contacted XXXX locally in XXXX and Nationally, There is no account number they can provide me with, nor any details regarding this late payment. Ultimately, there is no proof I was late in payment and after multiple efforts contacting XXXX XXXX, they have not removed from small late fee from my credit history. I never even knew it existed until I checked my credit report history. 

Please advise on how I can dispute this and I 'm happy to comply in anyway to remove this from my record because I 'm fiscally responsible and am always on time with payments. 

Thank you for all your help in this situation, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I am writing this complaint regarding Equifax. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.

Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Complaint sub-issue: Can't temporarily delay making payments

On XX/XX/XXXX, I found myself unemployed. By the middle of the month, XX/XX/XXXX, I realized that I ( probably ) wouldn't have a job on XX/XX/XXXX, so I called all of my student loan holders and request that my loans be put into forbearance until XX/XX/XXXX. 
XXXX XXXX and XXXX XXXX were able to process this request and I was approved on the spot, as my payment history is flawless. 

Flawless, too, is my record with XXXX XXXX XXXX. HOWEVER, they were unable to process my request due to " an issue in the system, '' and they promised to call me back the next day. They did not, so I called on Friday the XX/XX/XXXXand was told 1 ) that they would take me off of auto-pay so to avoid overdraft. 2 ) they are still unable to put my loan into forbearance due to the same system error. 3 ) they recommended that I simply NOT MAKE A LOAN PAYMENT instead of entering forbearance. 4 ) they have submitted my application and would call me when I was approved. 

On point # 1 - I was lied to. When I logged in, my account was still set to auto-pay in the first week of XX/XX/XXXX. 
On point # 3 - My concerns about what this would do to my credit rating were dismissed outright. 
On point # 4 - Please see below. I was lied to again. 

My next level of communication was through the website mailbox system. The response I received was that I need to call in to get my loan status changed. 

So I called today, XX/XX/XXXX and was told : 1 ) No one had *started* a forbearance request. 2 ) I should simply not pay my student loan for 60 days. 3 ) The forbearance request will be started and my auto-pay will be cancelled today. 4 ) Putting my loan into forbearance will accumulate so much interest, and increase my monthly payment amount that I'm better off just making payments when I can. 

And then I was " transferred '' aka hung up on ... so I doubt that my friends at XXXX XXXX XXXX processed anything on my behalf.
Complaint sub-issue: Received bad information about your loan

XXXX  under American Education Services is charging people over fees. The principal never reduces! All of this economic relief wont do anything for the 32-45 year olds that still have debt. We were given guidance to refinance by XXXX XXXX so now our loans are not considered federal and do not qualify for any programs. No one is making these loan companies comply. Ive been paying {$440.00} a month since 2009 and I still owe what I borrowed!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX  DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Information belongs to someone else

For EQUIFAX to be oldest CREDIT reporting agency ... .they seem to be the WORST and are constantly breaking the FCRA laws and not adhering to what the laws state! I am a victim of IDENTITY THEFT and XXXX XXXX acct # XXXX ... .has been proven to be a FRAUDULENT account yet EQUIFAX continues to report it but the other 2 bureaus are NOT reporting it because it is FRAUD. I am attaching the FTC fraud affidavit that has been submitted in 2019 ... ... the second account listed on the report is XXXX XXXX!!!!! EQUIFAX has failed to report any of the proper accounts that do belong to me ... ..but has continued to report this BS fraudulent account that has kept my credit score in the DUMPS ... ..my other 2 scores are around XXXX and EQUIFAX is super XXXX LOW because of it!! Equifax STOP BREAKING THE LAW AND REMOVE THIS ACCOUNT!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

PMGI , LLC has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PMGI , LLC Made on : XXXX Made with : XXXX  Made by : PMGI , LLC Made on : XXXX Made with : XXXX Made by : PMGI , LLC Made on : XXXX Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.
Complaint sub-issue: Having problems with customer service

I submitted a validation request to the credit bureau and it was not corrected. The company did not get back with the bureau however the loan somehow stayed on my report. This Bank has XXXX different accounts and unwilling to verify and validate the requested information.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance {$1300.00} Opened XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Unauthorized use of Consumer report
Complaint sub-issue: Information belongs to someone else

I am a victim of ID Theft. I was contacted by the XXXX XXXX XXXX that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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: Credit card company won't work with you while you're going through financial hardship

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
5. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Complaint sub-issue: Problem getting your free annual credit report

Today is XX/XX/XXXX. I ordered by phone a free credit report from Equifax on XX/XX/XXXX and still have not received it. This has happened before to my husband with Equifax on XX/XX/XXXX. I don't know whether it was mailed and delivered to someone else, thereby exposing my private financial information to someone else or that is was never mailed out. I like to order online but frequently I am rejected without explanation. The message says that they can't provide it online to me and that I must call. 

My husband complained to you back then and nothing was resolved. How much longer will this ineffectiveness go on?
Complaint sub-issue: Didn't receive enough information to verify debt

I was contact by I.C. System about a debt that they claim I owed them. I ask for debt validation but they instead send me a letter with offensive language. I sent them a Affidavit of Truth stating to them that they had violated laws under 15 USC 1692. The violations committed were 15 USC 1692b ( 5 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), and 15 USC1692g. I have also attach proof of these violations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

U.S. Bank Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX XXXX. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
XXXX XXXX XXXX XXXX Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX XXXX  as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Complaint sub-issue: Transaction was not authorized

Starting on XX/XX/XXXX I submitted a request online to XXXX XXXX for a " request for refund. '' I was unable to take the flight due to medical reasons. ( documents attached ) I also opened a request with Citi bank to help me obtain my refund since I was only able to interact with XXXX XXXX via internet website only. I have faxed Citi bank multiple times, I have called customer service a number of times to only be told that the " back office is working on it. '' I have faxed them on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and not to mention the phone calls into customer service. I am requesting that {$300.00} be returned to my account. I have also included a document from the XXXX XXXX accessed online on XX/XX/XXXX that the status of my request shows " refunded '' on the XXXX   website. For whatever reason these funds have not been applied to my Citi bank checking account.
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 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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Complaint sub-issue: Funds not received from closed account

Hello, On XXXX XXXXXX/XX/2022, I deposited in person at Citibank, an {$8000.00} check I received from the XXXXXXXX XXXX. The next day, I deposited XXXX smaller checks via mobile deposit. On XXXX XXXXXX/XX/XXXX, I learned that my account had been closed due to unusual deposit information. As a result, they informed me that my balance had not reflected any funds from any of those deposits. When I contacted the casino, I learned that they check had indeed been cashed on the XXXX of XXXX. I am in desperate need of those funds as I have a foreclosure court date approaching on XX/XX/XXXX and I need to have my balance paid to date. Citibank does not have any information regarding where I will receive my funds but said it could take up to XXXX XXXX, This is outrageous! How is this legal?
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/XXXX ; I spoke with a representative of CIG financial, who held the lien on one of my vehicles I financed. The vehicle had GAP insurance on it and it was totaled in a vehicle accident. GAP insurance satisfied the balance due on the account but CIG Financial is still reporting to XXXX that I have a past due amount of {$1700.00} ; which was last reported on XX/XX/XXXX. 
On XX/XX/XXXX ; CIG Financial Insurance Administrator, XXXX XXXX, admitted in email correspondence that the GAP insurance check was sent to the wrong address and that they received the GAP insurance check ; that I needed to dispute how its reported directly with the credit bureau. The credit bureau told me that they only report what the creditor reports to them ; so they're both playing a proverbial tug-of-war with me. 

I have attached an email from the aforementioned, XXXX XXXX, regarding the GAP payment.