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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of Discover and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. Discover also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2022, My card was charged at an airline for {$1800.00}, When I found out i called my bank CITI BANK credit card # XXXX very same day ( which was my part of responsibility ) and informed the transaction and a dispute was opened, on the XXXX they denied my claim saying the address matched on the profile but when bank secured information from that airline it had passengers that i don't even recognize at all.Just on that basis they denied than i called and explained them again, i left that place 1 month ago and i haven't been on that address and somebody got hold of my mail or something, they sent another denial on XXXX of XXXX, saying the same reason. i don't know those individuals who bought the ticket, bank neva carried their verification by sending a text message because i never shop these huge amounts. i am a XXXX student and i would really appreciate any help on this XXXX XXXX
Complaint sub-issue: Account status incorrect

This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My XXXX  credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to AES/PHEEA, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX  XXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.
Complaint sub-issue: Reporting company used your report improperly

I pulled my credit report and noticed 3 inaccurate collections reported. These 3 collections does not have a creditor attached to them to clarify. Which is illegal to add any collections without Accurate and all information attached to it. I am assuming it is medical  collections, which was disputed over a year ago and removed. These collections was understood not to report again after being removed. Equifax is known to remove items and put them back and they are also known for continued system failures. Which cause the consumer to constantly having to check behind them versus them going back to see what malfunctioned and fixing the issue.
Complaint sub-issue: Information belongs to someone else

I have disputed the late payments on this XXXX XXXX XXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home. 


" I have disputed this charge off on XXXX XXXX for months. XXXX  and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of  the Fair Credit Reporting Act. ''
Complaint sub-issue: Information belongs to someone else

I had someone try to open credit in my name and that produced hard inquiries into my account. I flagged those as fraud with Equifax and with less than XXXX they said they were valid inquiries even with a fraud alert on my credit. The did no due diligence and said that the information will stay on my credit record even though they did no effort to contact me or to see that there were multiple hard inquiries in a short time frame ( which is not the normal for my XXXX credit score ).
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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX ****XXXX not mine XXXX   XXXX ****XXXX not mine XXXX XXXX ****XXXX {$1100.00} not mine XXXX ****XXXX {$600.00} not mine ****XXXX  {$150.00} not mine XXXX ****XXXX {$430.00} not mine
Complaint sub-issue: Attempted to collect wrong amount

Inaccurate wrong and hurtful information being reported by Hunter Warfield to all of the 3 major credit bureaus. I do NOT have nor have I ever had a contract with this company. Nor have I gotten any form of communication from the company in regards to them reporting negative information on my credit report to the three credit bureaus. Which I find to be a violation of the FCRA laws. At this point no communication is warranted as damage has been done. I would like for them to VALIDATE with original signatures and contracts they have along with payments and amounts due pretaining to the alleged debt. If VALIDATION can not be proved, I demand that the negative reporting be removed from XXXX, XXXX, and XXXX immediately. if VALIDATION is found I have the right to request all findings sent to me within 15 days of the finding and demand 30 days to respond which is not likely as there are no contractual VALIDATIONS. Also this company has no business license with the state in which I live in.
Complaint sub-issue: Account information incorrect

I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution. And ONCE AGAIN THEY THE COMPLAINT WAS CLOSED SAYING THAT THE ITEMS IN MY REPORT ARE CORRECT. I AM NOT FILING A COMPLAINT ON THE ITEMS ON MY REPORT. EQUIFAX IS IMPROPERLY REPORTING MY SCORE. THERE IS POINT DROPS WHEN POSITIVE THINGS HAPPEN. AND THERE IS A 50+ POINT DIFFERENCE BETWEEN EQUIFAX AND THE OTHER 2 CREDIT COMPANIES. This is the second time this has happened. Last time I had to submit 2 complaints as well because they claimed they had resolved the issue and they had not. EQUIFAX IS IMPROPERLY REPORTING MY CREDIT SCORE NOT THE ITEMS ON MY REPORT. At this point I am starting to feel targeted and discriminated against. My score needs to be properly updated!!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented. 
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.
Complaint sub-issue: Account status incorrect

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Complaint sub-issue: Charged too much interest

XXXX is nothing but a rip off sham. They have been cheating me with {$20.00} a month interest only XXXX XXXX dollar balance regardless if I make a payment. OBVIOUS this can not be legal. This crytic flim flam billing is criminal to say the least. PLUS they deliberately do not answer the phones. Irrefutable they are conniving thieves being evasive and deceptive. THIS is a worthless store credit card. Countless complaints online same scam!!!!!
Complaint sub-issue: Investigation took more than 30 days

Dear Sir or Madam, This letter is in reference to my student loan with Sallie Mae. The account number is # XXXX In 2018 a late payment was placed on my account. Due to unexpected unemployment and hardship I wasnt able to make the payment. I applied to put the account on a forbearance program which I was approved for. To start the program a payment had to be made the problem is that the payment was attempted to come out the wrong bank. The payment was never made so the account wasnt placed on the hardship plan and the late payment was placed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so due to the misunderstanding. The account has been open for 7 years and 6 months now, that late payment is the one and only one I have ever gotten. I would very much appreciate it if you would remove that 1 payment delinquency from my credit report, as I've been building my credit over the past 6 years. 

I am writing today because my mother who is my cosigner is trying to buy a home and is having difficulties with lenders seeing a derogatory mark due to having missed payments on this account. I am also facing difficulties even though my score is now 700+ Im being denied with the reason being delinquency from this late payment. Given the date, the misunderstanding for which caused this, and overall positive payment history, I am kindly requesting your agency to consider removing the derogatory missed payment as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my mother and me. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : I am filing a complaint against : Equifax Credit Bureau, XXXX. XXXX XXXX, XXXX, Ga XXXX, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and  FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Equifax and XXXX XXXX, XXXX As well as the only papers I have ever received from XXXX XXXX, XXXX. 
What am I looking for you might ask? Information such as a copy of the original contract that they say I physically signed, supposedly agreeing to their payment terms when I opened this account. 

Not only have they ( XXXX XXXX, XXXX. ) failed to furnish me with a signed contract of monies they say I own, they ( XXXX XXXX , XXXX. ) continue to put remarks on my credit file via Equifax Credit Bureau. I have sent several certified registered letters to them asking for signed contract of debt. They have only sent me information generated invoice from their company. 

Verified : The collection agency may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Equifax Credit Bureau information about the company in question. Equifax has not been so forth coming, saying that they have spoken with and validated the information to be true. Yet I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. This matter has been going on for over a year now. 

Thank you Reference to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Received bad information about your loan

This student loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, deliberately placed my loans into forbearance, so they could make money on the interest being collected, without my knowledge or my permission. I made them and the US Department of Education aware that I would be entering into a full-time program, in XX/XX/XXXX. I recently became aware of what was going on once I received a notice informing me that repayment is due on my loans in 30 days. Instead of placing my prior loans into deferment, they told me on XX/XX/XXXX, that " they were doing me a favor, and they did this will all their loans. I XXXX in XX/XX/XXXX. They revoked my 6-month grace period that all students receive after deferment from a full-time educational program, by initiating this ILLEGAL tactic in order to turn a profit. This loan servicer failed to inform me of what was going on and employed the illegal/fraudulent practices of their fellow loan servicing company, XXXX. Thousands of dollars of interest have been generated on loans in which I was guaranteed 0 % interest rate growth while in school. Instead, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Department of Education have failed borrowers by letting this type of behavior continue to go unchecked. This company told me flat out " WE DO THIS TO ALMOST EVERYONE, AND NO ONE COMPLAINS. '' This is fraud and should be looked into.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax processed 2 hard credit inquiries XX/XX/22 that I did not do. 

XXXX XXXX XXXX and XXXX. 

I did not apply or authorize any credit applications on this date or with these companies. 

I have tried to place a credit freeze with experian both online and over the phone and it says " they are unable to place a freeze ''.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I provided my passport ID, Deposit slip, along with a XXXX XXXX XXXXXX/XX/XXXX Cashiers Check that was endorsed to me in the amount of {$37000.00}. US Bank Client Relationship Consultant, XXXX XXXX refused to accept and deposit the check and informed me that the US Bank Branch policy states that the endorser of a check must be present with an ID in order to deposit anything over {$10000.00}. She told me to try another US Bank and maybe they will deposit, but not at this location. 
I asked to speak to a supervisor and had to wait about an hour to see one. The Assistant Branch Manager, XXXX XXXX said that she would go ahead and deposit the check, but that a 7 day hold is required. She provided a " Notice Of Hold '' letter stating that funds are being held due to " Repeated Overdrafts ''. I indicated to her that I have not had any overdrafts and would like a letter showing an accurate reason for 7 day hold. She would not change the notice and told me that I can deposit the check elsewhere or have the endorser reissue the check in my name then she can deposit without any hold. The check was finally deposited, but with a 7 day hold and no funds made available. The deposit was also reported as " Income ''.
Complaint sub-issue: Was not notified of investigation status or results

I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!
Complaint sub-issue: Debt was result of identity theft

TO WHOM IT MAY CONCERN JEFFERSON CAPITAL SYSTEMS ARE REPORTING A FRAUDULENT ACCOUNT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME TO ALL THREE CREDIT BUREAUS. I SENT A LETTER ASKING FOR VALIDITY OF THE ACCOUNT IN QUESTION TO PROVE THIS ACCOUNT IS ACCURATELY REPORTING ON THE RIGHT PERSONS FILE BACK ON XXXX XXXX AND I HAVE YET TO GET A RESPONSE. I CLEARLY STATED THAT I WAS NOT ASKING FOR VERIFICATION OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVED NAMED TITLE SECTION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec.809 ( b ). THAT THEIR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. AN BASED ON THE FTC SITE I KNOW THEY HAVE STRICT POLICIES IN REGARD TO YOU REPORTING CONSUMER DATA. I ASK THE TO SHOW ME PROOF THAT THEIR REPORTING IS 100 % ACCURATE. DO NOT SEND ME A GENERIC PRINT OUT OR A BILLING STATEMENT. PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.