Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. Pnc bank and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.
Complaint sub-issue: Information belongs to someone else

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo..Remove XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Equifax today, but I keep getting an error message. This is such an inconvenience. Ive attached a fraud affidavit to this complaint
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am human being, I have rights under 15 use 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  - XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : 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 XXXXr XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX  {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX (  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 I am being hit with 2 Hard Inquiry 's from discover card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.      When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation  of 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation  of Federal Law and   evidence of your willful disregard of the law.     Please be advised that under S ection 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I reques t that you do this immediately.     The law is very clear as to the civil liability and the remedy available to m e ( Section 616 & 617 ) if   you fail to comply wit h Federal Law. I am a lit igious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     Name of Account : Account Number : Provide Physical Proof of Verification  XXXX   XXXX   XXXX  unverified account-no contract  XXXX   XXXX   XXXX   XXXX  unverified account
Complaint sub-issue: Can't stop withdrawals from your account

On XX/XX/2022 I was the victim in a XXXX  money transfer scam. I tried to cancel the transfer but I was not able to and the other party involved received the funds. I have requested a payment back from that party for the amount and I have received no answer. 

I have also requested my bank institution to dispute this transaction but they claim that because it was authorized from my end, without my being aware that this was a XXXX scam, it is not under purchase protection, and therefore can not be disputed as such However, I was under the impression that all money in the United States is covered under the FDIC. If money is fraudulently stolen or wired out of my account the bank is responsible for reversing that transaction and possibly flagging and Reporting the recipient for investigation. 

In refusing to reverse the fund transfer, i believe my Banking institution is being complicit in a crime, given that a legitimate bank account and personal information is required to link XXXX. Meaning that they could easily trace back the funds taken from my account but are refusing to.
Complaint sub-issue: Investigation took more than 30 days

I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Complaint sub-issue: Information belongs to someone else

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

From XX/XX/2020 to XX/XX/2020, my Equifax score plummeted from a FAIR XXXX to a POOR XXXX. The same dramatic decrease did not happen with the other two major credit reporting bureaus ( currently XXXX & XXXX ) and nothing major happened in those 30 days to justify such a drop of 41 POINTS. 

When I asked the customer service rep ( and then the supervisor ) if there may have been a computer error, I was told that " the score is the score '' and that I would just have to " deal with it ''. 

I received no concrete insight or proof as to how that drop may have occurred, but given that NO new collections accounts were added and all payments were made early or on time ... AND ... the fact that older collections accounts have less impact as time goes on ( not more ), BUT if they do ... it is a decrease of maybe 3, 5, 10, or even 20 points ... NOT 41. 

What recourse does a consumer like myself have against these credit bureaus that control our lives with these three digit numbers? What accountability do these companies take, if any? 

As far as I'm concerned, this potential error has set me back up to 6 months and negated much of the credit repair work I have been diligently doing.
Complaint sub-issue: Information belongs to someone else

I just started looking at my credit and I see a couple of default acconts that I did not open
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX  XXXX Balance : {$32.00XXXX 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: Received bad information about your loan

According to the Department of Education, it states that borrowers who made payment during COVID " can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). '' The borrow must contact your servicer to make the request. 

My servicer is NelNet and they said that only payments that I made during forbearance are eligible. According to their records, I requested for forbearance once ( in XX/XX/XXXX ) and that request was good for only 90 days. In order to stay in forbearance, I needed to make a request every 90 days. As such, I am not entitled to any reimbursement for payments that I've made after that initial 90 days ( because I didn't request for forbearance ). When I requested the initial forbearance, it was not clear that it was only for 90 days. I had requested forbearance in the past and the typical duration is a year. 

I would like the CFPB to contact NelNet on their policy/rules on payments made during the payment pause as I don't believe it meets the intent of the Department of Education 's guidance. I believe NelNet is using technicality ( whether the loan was in forbearance or not ) to avoid or reduce the amount of the reimbursements they need to make. For example, based on their eligibility rule, I'm entitled to be reimbursed for only 3 months - {$790.00}. However, based on the Department of Education, all payments made during the payment pause ( from XX/XX/XXXX to XX/XX/XXXX ) are eligible for reimbursement which would be {$2800.00}.
Complaint sub-issue: Account information incorrect

15 U.S. Code 1681a ( D ) ( 2 ) ( A ) ( i ) and 1681a ( D ) ( 2 ) ( B ) states that ... .... except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; A authorization or approval of any account would be anything like a credit card, mortgage, auto loan etc should not be on consumer reports also transactions either discover has been reporting these account without my permission as well as they shouldnt be there anyways as it should not be included in a consumer report
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I paid my XXXX account off. On XX/XX/XXXX, Equifax reported my account as having a balance of {$510.00}. This company is so incompetent and cant seem to do anything right. They keep emailing me asking for the same documentation over and over again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$850.00}
Complaint sub-issue: Information belongs to someone else

I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.
Complaint sub-issue: Information belongs to someone else

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Complaint sub-issue: Problem with fees

I have a CITI XXXX Credit card and I have converted to CITIXXXX plus on XX/XX/2022. When I do the conversion I have been informed the charged annual fee for my CITI XXXX  card will be refunded prorated. But until now I still have not seen the annual fee refunded.