Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by Equifax. I tried to purchase a XXXX bureau credit score by Equifax but instead they send me a copy of my credit report which I already have from the mortgage company. Equifax has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried myFico ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX.Twice!! 
The agent at XXXX said he can see my score. But when I tried XXXX.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Trying to communicate with Equifax to temporarily lift a credit freeze I have on account with them & I can not contact anyone either on-line or by phone since XXXX and its currently XXXX. I provided a call back number as they suggested, and they have not called back. I tried on-line and it states that they could not help me at this time. 
I had no issues with XXXX XXXX or XXXX temporarily un-freezing my accounts on-line but Equifax has not been available on-line or on customer service phone. 
Very poor service and client support. Highly inefficient in this day and digital age.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.
Complaint sub-issue: Was not notified of investigation status or results

THIS IS A NEW ISSUE AND SHOULD BE HANDLED AS A SEPARATE COMPLAINT THIS ISN'T A DUPLICATE COMPLAINT EQUIFAX REQUESTED ME TO IDENTIFY MY IDENTITY ALTHOUGH I HAD PROVIDED PROOF OF MY IDENTITY WHEN I SUBMITTED MY COMPLAINT HOWEVER, IT HAS BEEN PAST THE REQUIRED TIME-FRAME IN WHICH EQUIFAX IS BOUND BY FEDERAL LAW TO RESPOND TO MY COMPLAINTS AND THEY HAVE FAILED TO DO SO. I WILL CONTINUE TO FILE A COMPLAINT EACH TIME THIS FEDERAL LAW IS VIOLATED BY EQUIFAX.
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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

I filed several disputes with Equifax regarding the XXXX student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The XXXX account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX XXXX reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the XXXX account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however Equifax refuses to remove the false information.
Complaint sub-issue: Right to dispute notice not received

I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, around XXXX, it took me almost one hour to try to close a credit card that doesnt work for me. 

Its a US Bank XXXX XXXX XXXX XXXX XXXX 

I apply under a company that me and my ex husband have, after divorce, We do business under that companys name separately. I apply that business card with my own name, address and social security number. Got approved, they mailed me the card, after activated, I used it in a apple store purchase but got declined, so I decided to close that card. But the company asked all kinds of irrelevant private questions and after they have no questions to ask, they tell me, no, we can not close your account. 

What even worse is they called my ex husband in bad purposes. Even that doesnt work. 
This company is not only unprofessional, also mean and dark in the heart.
Complaint sub-issue: Card opened as result of identity theft or fraud

US Bank credit card fraudulent card applied for in my name on XX/XX/2022 by former XXXX XXXX
Complaint sub-issue: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX accounts, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX Real Estate and Public Accommodation :
Complaint sub-issue: Attempted to collect wrong amount

I sent a certified investigation letter to XXXX XXXX on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX XXXX sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to XXXX XXXX stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from ERC stating XXXX XXXX , XXXX has placed your previously disputed account with ERC. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from XXXX XXXX stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
Complaint sub-issue: Received bad information about your loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is denying my PSLF application due to the employer signature not being valid. The form contains a physical signature from each of my employers.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/ I recd order from Macys for {$390.00} returned XXXX days later. Sometime later I was notified that my account was past due. No statement recd. I called and late fees and interest charges were reversed. I assumed XXXX balance. I requested statement but No statement recd. I had used Star Rewards when I made my purchase online but instead of crediting my account the reward amount of {$10.00} was added as a charge. Subsequently I have carried a balance past due on my account since and still no statement unable to resolve. Credit score reduced from XXXX to XXXX because of Macys error. They are refunding all late charges etc but Citibank refuses to correct my credit history.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiry Us Bancorp XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is XXXX
Complaint sub-issue: Debt is not yours

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.
Complaint sub-issue: Company closed your account

Attached is a letter that I received from XXXX XXXX. This is an Alias Name used by Elan Financial Services, I guess so that their customers do not know the company that they are dealaing with.

This letter states that my account was closed because of the number of late payments over the last 12 months. This account was set up on automatic payment and there was never a late payment. I wrote to the company and requested the dates when payment was late and they responded by telling me that it would cost money to get that information. This is totally inappropraite. If the company wants to spread miss-imformaton, they should provide the proof of the information. 

In the attached letter they also say something about the high cash balance. There was never a cash balance on this card. 

I have not clue what they mean by number of months since the account was opened. The account was opened about 5 years ago and was automatically paid every month. 

The last comment in the attached letter is Number of Delinquencies in the past 6 months. As discussed above, the account was set up on automatic payment and there was never a late payment. 

I respectfully request that Elan Financial Services provide data to support their statements including date payment was due and date payment was received for each incident where they are claiming that the payment was late Kindest personal regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bank from which I took out this card was notified numerous times that I had relocatred from XXXX to XXXX XXXX. The Bank and not Elan Financial services is what shows on the statement and virtually all of the correspondence received.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in a mortgage forebearance with XXXX XXXX XXXX XXXX and the forebearance ended XX/XX/XXXX. I started a loan refinance XX/XX/2020 which took the bank 3 months to close and they charged me an extenstion fee as well as now noting on my credit file that I was 5 months past due. My refinance was approved and closed in XXXX with a new loan with the same bank. Now my credit report shows 5 months and over 120 days past due. How can they do that. I have disputed and contacted the bank on their mistake. I was never late on my Mortgage before the cares act forbearance due to the loss of my job due to the XXXX XXXX I worked for didn't want to due all the covid updates and retired. The XXXX XXXX XXXX XXXX suggested to me to do a forbearance per XXXX in collections and told me NOT to make any payments during the forbearance. I paid full month payments on time for XX/XX/2020 and XXXX until the loan closed. I am so frustrated with the mistakes and no positive action from XXXX. Please help
Complaint sub-issue: Information is missing that should be on the report

I want XXXX, Equifax and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.
Complaint sub-issue: Company closed your account

I paid my payment of {$160.00} dollars and someone stole my checking account so payment didn't go threw so the next day I paid XXXX now they are saying because my credit they closed my account and that's cruel and unusual punishment then they lie and say because of my credit they closed account which this isn't a plausible reason I have been with citibank for for over 7 years same credit account always paid on time they are deliberately trying to destroy my credit
Complaint sub-issue: Investigation took more than 30 days

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. 

As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). 

Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). 

In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). 

On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX  on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. 

Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.
Complaint sub-issue: Information is not mine

All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have violated my rights. 

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

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

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.
Complaint sub-issue: Information belongs to someone else

My identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

This account with XXXX was paid in XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points