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

there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 'XXXX  XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once
Complaint sub-issue: Their investigation did not fix an error on your report

I have fraud inquiries on my equifax credit file.I have sent a copy of the ftc affidavit drivers license and social security card as required by law. Equifax then tells me the inquiries were deleted but they are still on my report then they tell me to send in the documents again I have sent those documents over and over spending money.when the rep at equifax confirms the inquiries should be deleted instead of deleting them they tell me to send in the same documents. Equifax is by far the worst credit agency
Complaint sub-issue: Problem with fees

Hello ... .My name is  XXXX   XXXX   .  I live at  XXXX   XXXX   XXXX   XXXX  Ma.  XXXX . I have a complaint regarding th e Sears branch of Citibank credit  card. The bank has been holding back checks that have been sent to them for payment that have been well within the due date and thus the next bill has late fees and fines. This happens continuously so that the consumer never has a chance to " catch up '' the fees just continue and the balance actually grows. I have always been a good customer of Sears for the las t thirty years  and had never encountered a problem like this until recently. I thought it may be an isolated issue but after speaking with my husband who has his own credit card account with them have come to find that he has been having the same problem. I did some online research and found hundreds of very similar complaints from other customers. Because of this behavior on their part, I am paying off the entire balance in full via certified letter so that I will have proof that they received the last payment well within the due date. My request of you is that someone in your office please do some research regarding the aforementioned complaint and any other complaints that you may have received about Sears credit card. What they are doing maybe legal but in no way is it ethical. I do n't think it should be allowed as I may be lucky enough to have the monetary resources to rid myself of them but others without the financial ability to do so are basically enslaved by them in a " company store '' manner. This type of a financial con game is completely and utterly unacceptable in this day and age.     Sincerely,  XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
Complaint sub-issue: Non-sufficient funds and associated fees

On Friday XX/XX/2022 I received an alert regarding my PNC Bank Savings Account in which a check was provided for payment in the amount of {$2000.00}. My savings account was over drafted due to this fraudulent activity. What is most concerning is that the check is coming from The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is made payable to XXXX XXXX. This check fraud because it has my savings account number on the bottom of the check. I have never in my 40 years of being a banking customer had checks under my savings account. This the 6th time that my bank account with PNC has been targeted for fraud. I have been informed numerous times that my accounts are on high fraud alert, and I just don't understand how this problem keeps happening with no consequences to these fraud thieves. I have taken all the necessary precautions to protect my credit and my bank accounts personally and the problem hasn't been solved. I am currently still waiting to get my money back from a previous dispute regarding a check that was cashed for {$2000.00} back in XX/XX/2022, and now this other fraudulent transaction happens again, and I am left with once again going through the dispute process and bank account changes. Your attention to details on this matter is crucial and needs to be properly investigated.
Complaint sub-issue: Can't temporarily delay making payments

Between XXXX and XXXX of XXXX, i attempted to have my payments re-structured, to help lower the payment. I had come into some bad health issues at the end of XXXX, as well as moving home XXXX miles from XXXX due to these health issues. I did not want to put it into forbearance if i could've avoided it, but my income had become drastically smaller and throughout this whole process, i was missing payments. 

I am back in good health now and have started an XXXX program and now me and Fed Loan servicing seem to be on good terms. I am trying to start my life over and these missed payments from XX/XX/XXXX - XX/XX/XXXX are keeping from being able to do that. I only want a chance to live a normal life and i do not think that punishing someone for XXXX XXXX years because they were sick and unable to make payments for a few months is fair. 

If you will look on my credit report, there is evidence of payments to them up until XX/XX/XXXX, though in my attachment, the payment history downloaded directly from my Fed Loan account reflects no payments made on the loan. I can find bank statements if need be, but it proves Fed Loan not only is incorrectly reporting missed payments, they don't even update their own statements to reflect true payments. Those 7 months should have reflected a deferment but instead have damaged my XXXX XXXX tremendously as " missed payments. ''
Complaint sub-issue: Information belongs to someone else

Credit reporting agencies of Equifax, XXXX and XXXX are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Complaint sub-issue: Old information reappears or never goes away

I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..
Complaint sub-issue: Personal information incorrect

these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Information belongs to someone else

This account was previously removed by all three credit agencies equifax, XXXX and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceXXXX account # :XXXXxxxx
Complaint sub-issue: Information belongs to someone else

FirstmarkXXXXs extended a loan to a known felon in XX/XX/XXXX with my name unknowingly and fraudulently listed as a co-signor. I sent in a full packet to Firstmark, which they received on XX/XX/XXXX, which included a police report, FDIC fraud report, notarized signatures, notarized proof of my identity, a notarized fraud affidavit, etc. Instead of processing this packet, they demanded more signatures from different dates, although they had no signature from the felon to compare them to. I did send in several more signatures in XXXX, yet they have still failed to remove my name from this fraudulent line when I filed several disputes with the credit agencies, and they are also refusing to remove a hard inquiry in XX/XX/XXXX when I filed 2 disputes with XXXX. 

XXXXXXXX XXXX has recognized the loan is fraudulent. They got the money back from the school and zeroed out the account. 

But despite multiple disputes with credit agencies, Firstmark refuses to remove my name from this loan 's credit line as recently as yesterday. Refusing to remove my name from the hard inquiry on XX/XX/XXXX ( which I did not authorize ) is lowering my credit score with XXXX. 

( XXXXXXXX XXXX extended the loan, but FirstMark is currently processing it )
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XXXX/XXXX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Complaint sub-issue: Received unwanted marketing or advertising

Equifax provides credit monitoring as a result of previous data breaches. It is called the TRUSTED ID PROGRAM. I do not pay for a subscription. I review what they send because of the data breach. They have sent several NOTICES OF RECENT CREDIT ACTIVITY To me. It includes a login ( which I followed ) links to your account and shows for several items. It also includes assistance telephone numbers just for resolution. When you call the number you could extended series of options all of which have to do with purchasing additional products and none of which are directed at resolution. When you get a representative all they can do is give you another telephone number for the credit dispute department ( which any of us couldve gotten into seconds on the Internet anyway ) and offer a dial-in number for you. 
It is absolutely nothing but aggressive marketing disguised as warnings about identity theft. It is wrong. I have the notices that they sent me and can provide them.
Complaint sub-issue: Received bad information about your loan

I started employment with the Federal Government in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX XXXX took over my XXXX consolidated loans and they have incorrectly calculated my PSLF payments. I have made XXXX qualifying payments from XX/XX/XXXX to XX/XX/XXXX. See attached and new PSLF certification. Given XXXX error and their unwillingness to correct it I filed CFPB complaint XXXX in XX/XX/XXXX. XXXX reviewed the information and increased the number of PSLF-qualifying payments to XXXX. Which is an error. XXXX did not dispute any of the qualifying payments that I have been making since XX/XX/XXXX which total XXXX as of XX/XX/XXXX. The only issue they claimed was that I remitted a partial payment in XX/XX/XXXX, rather than the full monthly installment. This is an error because I made a full payment in XX/XX/XXXX ( I had overpaid and they added the overpayment to the bill ). See attached. CFPB did not give me an opportunity to counter XXXX error and closed my CFPB complaint. The evidence shows that I have made XXXX full payments under a PSLF qualifying repayment option. XXXX did not dispute this and only claimed that their only issue was that I made a partial payment in XX/XX/XXXX. The attached evidence shows that XXXX is mistaken because I made a full payment in XX/XX/XXXX. Given that XXXX does not dispute that since XX/XX/XXXX I have made payments under the qualifying repayment options for the PSLF my payments need to be corrected to XXXX. Please help me correct XXXX mistake in calculating my PSLF qualifying payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX  ) has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Public record information inaccurate

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX  to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Complaint sub-issue: Account status incorrect

On or around XX/XX/XXXX I purchased a new XXXX XXXX XXXX and financed through XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX. Due to medical issues and multiple XXXX I fail behind on my car loan and the vehicle was repoed in XX/XX/XXXX. I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX has continued to report to all 3 credit bureaus that my loan is currently 120-180 days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both Equifax and XXXX for the pass 6 months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past year and six months to be exact.
Complaint sub-issue: Investigation took more than 30 days

I sent a Debt Validation letter to AFNI Inc for two unverified collections that are on my Credit Report that I do not recognize as being accounts I opened. One for {$1600.00} and the other for {$270.00} on XX/XX/19 and it was delivered XX/XX/19 I never got one response from them in regards to these accounts. It is now XX/XX/19 well past the 30 days requested on the original letter that I sent to them and still have not heard anything from AFNI Inc . I have also sent a letter requesting that these accounts be removed from my Credit Report due to no response nor Validation of these debts and they still appear on my Credit Report. I am now filing a complaint with you guys on this Agency because I can't seem to get any type of response from the company themselves.
Complaint sub-issue: Information belongs to someone else

I am trying to rent at apartment so today XX/XX/2020 I applied at XXXX XXXX XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Complaint sub-issue: Information belongs to someone else

this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History
Complaint sub-issue: Personal information incorrect

I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX , XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Complaint sub-issue: Overcharged for something you did purchase with the card

XX/XX/XXXX - {$1400.00} purchase with XXXX XXXX XXXX on CitiBank Credit Card. The cruise was cancelled by XXXX XXXX because of HURRICANE IRMA. A Future Cruise Credit was provided per company policy. A new cruise was selected for XX/XX/XXXX. 

XX/XX/XXXX - The scheduled cruise was cancelled for COVID-19. 

XX/XX/XXXX - XXXX XXXX sends an email allowing Future Cruise Credits OR FULL REFUND promised to be delivered on XX/XX/XXXX. The application for a FULL REFUND was submitted the same day on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX does not issue the refund. A dispute is filed with CitiBank to get a refund for the XX/XX/XXXX ticket. 

XX/XX/XXXX - CitiBank rejects the dispute and charges the account for ANOTHER {$1400.00} instead of providing the return. There is now a total of {$2800.00}.
Complaint sub-issue: Information belongs to someone else

I filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.
Complaint sub-issue: Account status incorrect

This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account
Complaint sub-issue: Reporting company used your report improperly

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.