Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Equifax credit score dropped 28 points without any negative entries on my current credit report. No increase in debt. No cards paid off. No delinquent payments. Made a one-time payment of {$500.00} on a credit card. 

Both XXXX and XXXX credit scores went up. 

Spoke with customer service at Equifax, they flat out said they don't know why my report went down, " This is strange .... '' to quote the representative. I was not given any suggestions or solutions. I was told to contact CFPB and FTC.
Complaint sub-issue: Reporting company used your report improperly

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. 

Equifax is the reason why this has happened!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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 XXXX 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 XXXX now.with no help.
Complaint sub-issue: Account status incorrect

XX/XX/2020 brought account current with Citibank Costco Visa anywhere card. 
Paid {$330.00} in charges ; Costco credited {$530.00} to bring the total to {$860.00} due on XX/XX/2020. 

XX/XX/2020 I received a notice from XXXX that a 30 day late delinquency was reported by Citibank in the amount of {$71.00} that was allegedly due and payable also on XX/XX/2020 -- but no written statement shows this amount outstanding. 

I logged into my Citibank online account and the account shows a charge of {$83.00} was charged to my account on XX/XX/2020 -- I called citibank asking for an explaination why my account was marked 30 days late when I brought it current on XX/XX/2020. The 30 days late XXXX has it marked for XX/XX/2020 ; XXXX and XXXX has it marked for XX/XX/2020 is creating economic hardship because i can not qualify for refinancing my mortgage. The 30 days late mark has caused my credit score to  drop from XXXX ( Very good ) to XXXX ( poor ) or 98 points. 

The Customer Service Supervisor stated additional interest ( allegedly ) accrued on my account AFTER bringing the account current between XX/XX/XXXX and XX/XX/XXXX which was due on XX/XX/XXXX. BUT no one would know this because the computer system didn't post the past due interest until XX/XX/2020 when the bill was generated, printed and mailed. 

She told me to call collections, I spoke to XXXX. XXXX removed late {$40.00} fee, removed 29.99 % PENALTY INTEREST rate and PREMIUM PRICING on each charge. He told me to contact Cittbank to have the 30 days late corrected. 

I am XXXX and have had great difficulty writing -- so I found help XX/XX/2020. I have tried to contact Citibank to verbally dispute this charge pursuant to the Americans with Disabilities Act Effective Communications to no avail. 

I also tried to dispute the 30 days late with XXXX, XXXX, and XXXX but I can not access their online websites to do so.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/2018 I attempted to change my income based repayment plan form a different IBR plan to RE-PAYE. I was told that I needed to submit an application to change my loan payment plan. During the process, I was told that My loan would be transferred to the standard 10 year repayment plan but in forbearance. I would then need to make a nominal payment, such as {$10.00} to cover the month on the standard payment plan. The following month, my loan would be transferred to the new plan and resume under the new RE-PAYE plan. They did say this would cost me one month of Public Service Loan Forgiveness as the month on the standard payment plan would not count. 

I submitted my application. When the loan was transferred to the standard payment plan, I made a payment of {$10.00} as instructed. I waited and it took 3 months to change payment plans costing me 3 months of Public service loan forgiveness eligibility. 

I submitted a new employment certification and on XX/XX/18 was told that I had made 44 qualifying payments. 

On my XX/XX/2018 statement. I received notice that my account was past due {$0.00}. This was surprising since my account has been on auto payment from the 2nd payment. I also noticed that my Public service loan forgiveness qualifying payments has been reduced to 34 on several of my loans. I called the XXXX number and the person on the phone ( id : XXXX ) told me that the {$10.00} payment while my loan was transitioning plans, was not applied to all loans properly and there was an outstanding balance of a few cents on a few of my loans. She stated that since there was an outstanding balance over the past few months, the payments I made would not count towards public service loan forgiveness. I explained that I followed all instructions given and she agreed that they misapplied my nominal payment. Additionally, no notice was given about this outstanding balance until XX/XX/2018. I started the payment plan change in XX/XX/XXXX. She said she would submit the account for review to get the {$.00} cents removed. I explained I was more worried about the public service loan forgiveness. She stated she wasn't sure what would happen with that. I asked how long it takes to have my account reviewed and she stated she did not know but it could take a few billing cycles. 

At this point, I feel I am being cheated out of qualifying payments towards public service loan forgiveness because of a clerical error. Additionally, I was not properly and timely noticed of a past due amount. Furthermore, I should not have 10 months of public service loan forgiveness retroactively taken away after it was already granted.
Complaint sub-issue: Account information incorrect

XXXX XXXX has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Complaint sub-issue: Frequent or repeated calls

I have told them multiple times to contact me via mail or email only. Instead they call me 5 times per day. Today was the last straw when they called me 6 times. I have call log after call log to prove this. This is harassment.
Complaint sub-issue: Information belongs to someone else

The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was incarcerated for 10 years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The Following account listed is not my account. I did not obtain this account nor did I authorize for it to be opened. 

1. Identity Theft CBNA Account Number : XXXX This is not mine.
Complaint sub-issue: Debt was paid

AFNI is reporting and attempting to collect on a debt that was covered by the VA. I do n't have any medical bills ever. As a veteran all my medical is covered under VA.
Complaint sub-issue: Information belongs to someone else

I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out several times to XXXX XXXX XXXX as well as all three credit bureaus to dispute a XXXX XXXX account on my credit report with a balance of {$870.00}. I have never had an account with XXXX or applied for service thru XXXX. No one has been able to send me anything showing my signature or my supposed signature for validity of this account and I need it investigated properly and removed from my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018 Equifax received my certified mail ( XXXX ) asking to investigate and resolve errors in my credit report. 

XXXX reporting a past due balancr of XXXX in a collection which is a Violation to the Law. The answer from Equifax was " validation '' and " updated '' infotmation. 

XXXX XXXX reporting a past due balance in a collection account and again same result as " validate '' or " uodated '' information. 

XXXX XXXX XXXX reporting " 1 month term '' and " open account ''. The answer from Equifax was " updated '' and keep reporting same error. 

Attached in this complaint are screenshots as proof from Equifax showing the " past due balance '' in collection accounts which again is a violation of the federal law and must be removed from my credit report. 

By default a collection account is past due so XXXX is allowing to report accounts to hurt my credit and providing the same violation in writing after their investigation. 

Equifax just ignored my request and sent me back the same information without taking the time to fix the problem.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

This collection company put a negative debt on my credit report I have never had any contact with anyone from this company on the phone or via mail. I do not have any knowledge of any collections from this company and I want this removed from my credit report. When collecting any debt a person must be notified and giving the right to dispute. Which I was not in the middle of Covid all of these collections companies are violating collection laws. They also reported this on my credit report as a loan and said the account type was a factoring company.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond to the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX, XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ALL IN CREDIT UNION Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Furniture, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY
Complaint sub-issue: Received bad information about my loan

The creditor has re-aged this account on XXXX showing payments in XX/XX/XXXX yet other bureaus show debt given to a collection agency, XXXX ( opened in XX/XX/XXXX ). How is that possible? At one point, status of the student loan account was showing as open on XXXX yet duplicate reporting by collection agency for same debt ( please see attached ). Reported DoFDs are different across all the credit bureaus and supposed payment history and original amount owed keeps changing. Series of violations and inconsistencies occurring. Please delete this account and get corresponding collection removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several request for validation and verification of inaccurate accounts on my Equifax credit report. Equifax states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Equifax has ignored my request. Equifax still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Complaint sub-issue: Received bad information about your loan

Hi : I had taken a student loan from XXXX XXXX for financing my XXXX  degree. Firstmark Services is the current service provider for XXXX. I have XXXX student loan accounts with XXXX, XXXX for the first year and the other for the second year of study. The money was provided by XXXX in XXXX installments. 

Based on the agreement with XXXX at the start of the loan, I am entitled to 3 years of forbearance period on each of the XXXX accounts mentioned above. I called up Firstmark Services on XX/XX/2022 and was informed that XXXX of my accounts has 12 months of forbearance left and the other has 7 months left. 

However, for the last couple of months the XXXX servicing team is refusing to apply the remaining forbearance period on my account. They are falsely stating that I am entitled to only 2 years of forbearance on each account. 

Furthermore, they are asking for sensitive personal information such as the names of the companies that I have applied for a job to, personal bank statements etc. I have also been informed by external recruiters that XXXX has divulged my personal information to them. This is very disturbing. 

The XXXX servicing team is not authorized to handle my account in any case. After my loans were disbursed, the operations of my account were transferred to Firstmark Services. The current interference of the XXXX servicing team is illegal and I suspect they may not be affiliated with the actual company. It is a very real possibility that the acts of the XXXX servicing team constitute some kind of fraud. 

I have tried to reach the senior leadership at XXXX to gain more information on this matter but have not received any response or reply from them.
Complaint sub-issue: Add-on products and services

I was previously enrolled in credit protection through Citibank which i was charged a monthly fee and I never gave consent or any knowledge of this service.I believe this might have been added into the tax part of my monthly payments without my knowledge also..valid approx. XX/XX/XXXX-XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

GOOD AFTERNOON, I WOULD LIKE TO EXPRESS AN IMMENSE AMOUNT OF CONCERN REGARDING THE XXXX VACATION ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT REPORTS : EQUIFAX AND XXXX. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO RECTIFY THIS ERROR SINCE XXXX OF 2020. NOTHING HAD BEEN DONE BY NEITHER CREDIT BUREAUS, NO ACTION HAS TAKEN PLACE TO THIS MATTER. I DEMAND TO KNOW WHY THEY HAVEN'T BEEN ABLE TO REMOVE THE NEGATIVE ACCOUNT, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. PLEASE HELP ME WITH THIS MATTER IN ORDER TO RESOLVE THIS ISSUE ... .I GREATLY APPRECIATE IT.
Complaint sub-issue: Account information incorrect

Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 ( b ) a creditor can not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a.k open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account terms

Creditor XXXX is reporting to all XXXX credit bureaus, but Equifax is refusing to or there is a communication error reporting the account to Equifax. Ive had this account for multiple years and this account was on Equifax at one point not its not reporting. I contacted the creditor multiple times and they advised that the issue is on Equifax end. They report every month to all three bureaus. I need Equifax to add this account and history to my report ASAP.