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

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance XXXX {$600.00}
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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt is not yours

I have tried to explain to this debt collector on behalf of XXXX that I never ordered services. I investigated and it was a family member that accessed my information for the purpose of getting cable service. I never authorized this service and was then told that it was paid by family member. Unfortunately, this family member has left the country since late last year and I have no contact with him. I am now stuck with something that is not mine. I need this removed from all credit reports. Thank you for your assistance. 
XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX notified me that XXXX XXXX XXXX added "Remarks" impacting my credit score on my credit report. Remarks were added around XX/XX/2019. I contacted XXXX XXXX XXXX and they confirmed that there were no issues with my account, and there should not be "Remarks" that hurt my credit score. My account with XXXX XXXX XXXX is in Perfect Standing. They told me to dispute these remarks. I submitted a dispute over XXXX XXXX for the remarks on my XXXX report. Shortly after they had corrected the issue as follows "Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Dispute resolved; reported by grantor - meets FCRA requirements"They did not take any points off my credit score. On Equifax report the remarks were marked as follows: Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Account previously in dispute - Now resolved by data furnisher. Impacting my score. I submitted a dispute with Equifax and spoke to representatives about this issue, and was told that it would be corrected. However, after disputing I received an update that the dispute was closed and they would NOT change remarks.  On XX/XX/XXXX I noticed my Equifax score dropped 5 points due to these same remarks. They kept remarks as follows: "Consumer disputes after resolution"XXXX XXXX XXXX confirmed there were no issues and that this was a mistake. XXXX immediately resolved the issue as it "Meets FCRA Requirements". Despite this Equifax continues to keep this on my account, lowering my credit score, and rejecting disputes. I need help dealing with Equifax to get this off as this is a complete error. Attached are copies of my latest XX/XX/XXXX and Equifax reports, so you can see the difference for yourself. Highlighted the remarks section.
Complaint sub-issue: Information belongs to someone else

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Old information reappears or never goes away

COMPANY HAS NOT REMOVED OUTDATED INFORMATION.
Complaint sub-issue: Problem with personal statement of dispute

Sallie Mae sale my Account ( Defaulted ) to Collection Company without time in Repayment option. 
Amount : {$8700.00} XXXX : XXXX in XXXX XX/XX/2019 
Notification transfer, Defaulted sallie mae student Loan sale de account onXX/XX/2019. 
Notification : Sallie Mae no longer service your Student Loan. 
*Report XX/XX/XXXX XXXX ( Negative Impact ). 
Action : I write a Godwill Letter to Sallie Mae.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I attempted to close my US Bank checking account. US Bank agreed and mailed me a check dated XX/XX/2020. On XX/XX/2020 some charges hit that account, my wife had used the debit card inadvertently. I am not sure why they were not declined. Following these transactions I received communication from US Bank stating that my account was overdrawn. Based on this communication I continued with my regular direct deposit into the account. The direct deposit was subsequently declined and sent back to payroll. US Bank said they declined because the account was in the process of being closed. I received another notice from US Bank dated XX/XX/2020 stating they were going to charge me a fee and Charge my account off and place me in collections. I called US Bank on XX/XX/2020 and spent two and a half hours on the phone, speaking to six different people and multiple departments including supervisors. I was informed by two different departments that I needed to mail in a check to bring the account current. So, that day I a certified letter with a check to US Bank at their request. USPS says US Bank received the check on XX/XX/2020. Today is XX/XX/2020 and I am back on the phone with US Bank because the check has not been placed in the account. Today they are telling me that they can not deposit because the account is in the process of being closed. US Bank would like me drive to my local US Bank to solve the problem. I have informed them that I do not have a local US Bank. The closest bank is two hours away. No resolution has been provided. Currently I have been on the phone with them today for over an hour and still trying to get a resolution.
Complaint sub-issue: Funds not received from closed account

I HAVE A CD WITH ALLY BANK. THE CD RENEWED FOR 1 YEAR ON XX/XX/XXXX. I NOTIFIED ALLY BANK IN XXXX WHEN I RECEIVED NOTICE OF RENEWAL THAT I WISHED TO CLOSE THE ACCOUNT. ON XX/XX/XXXX I RECEIVED A LETTER STATING THE CD HAD RENEWED. I WAS OUT OF TOWN UNTIL XX/XX/XXXX AND CONTACTED ALLY BANK UPON MY RETURN. I WAS TOLD THAT MY PREVIOUS REQUEST WAS ON FILE BUT THE TELLER FAILED TO PROCESS IT PROPERLY AND IT WOULD BE TAKEN CARE OF WITH NO EARLY WITHDRAWAL PENALTY. THREE WEEKS LATER AND STILL NO CHECK. I CONTACTED ALLY BANK ON XX/XX/XXXX TO DETERMINE STATUS. ALLY INDICATED THAT THE ACCOUNT WAS STILL OPEN AND ACKNOWLEDGED PREVIOUS CONVERSATIONS AND WOULD EXPEDITE MY REQUEST. I WOULD THINK THAT 2 MONTHS IS LONG ENOUGH TO CLOSE AN ACCOUNT.
Complaint sub-issue: Information belongs to someone else

This is reference to my credit report on Equifax where it shows I have a inquiry thru XXXX XXXX, and I never applied to use or authorize to have my credit check.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax & CFPB, Name : XXXX XXXX XXXX XXXX : XX/XX/2001 SSN : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX I have attached a copy of my FTC report and drivers license. 

I would like the hard inquiries included in the FTC report removed from my credit report given they were not authorized by me and were fraudulent. 

I previously reported this through the CFPB but did not attach any documents or an FTC report and that report was closed. I am requesting this report NOT be marked as a duplicate report and automatically closed, but rather this report be fully investigated and these hard inquiries be removed from my credit report given I have removed this fraudulent activity to the Federal Trade Commission and this is a new report with actual documents. 

The other report ( s ) did not have any documents and were not properly filed, therefore, I am requesting the CFPB or EQUIFAX close this report and mark it as duplicate given under federal law I have a right to report fraudulent hard inquiries and given I have attached the proper documents for said inquiries that are currently on my credit report and included on the FTC report attached. 

Please mail me a copy of my updated credit file once these hard inquiries have been removed from my credit report. 

If needed I can be reached at XXXX or at ( XXXX ) XXXX - XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXXXXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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: Information belongs to someone else

I called the 3 Credit Bureaus after I purchased a credit report from XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Fraudulent Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, Unverifiable Addresses : XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and Erroneous Accounts : XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance {$840.00}, XXXX XXXX XXXX Balance {$920.00}, and XXXX XXXX XXXX XXXX Balance {$20000.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 Credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.
Complaint sub-issue: Information belongs to someone else

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
Complaint sub-issue: Information belongs to someone else

My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this
Complaint sub-issue: Personal information incorrect

According to the FCRA XXXX XXXX XXXX XXXX  XXXX  XXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.
Complaint sub-issue: Information belongs to someone else

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.
Complaint sub-issue: Debt is not yours

I have repeatedly informed EOS CCA and XXXX that I was a minor child at the time of this alleged service by XXXX. On XX/XX/XXXX, EOS CCA continually report on all 3 of my credit report inaccurate information. EOS CCA has stated on my credit report that the information is accurate when it is false. Please see attached Birth Certificate and copy of what they ( EOS CCA ) continually reported on XX/XX/XXXX credit report. The picture shows that this has been disputed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I never got my credit for the dispute XX/XX/XXXX OF XXXX XXXX   Purchase On card ending in XXXX - {$25.00}, and I called y'all on the XX/XX/XXXX, I think it was, and the agent told me he would create a case for my issues so I can get the {$25.00} credit into my account, and someone will call me or email me on the XX/XX/XXXX but never emailed me or called me and I still never got my credit for {$25.00}
Complaint sub-issue: Debt was result of identity theft

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account. 
Remove any charges on the unauthorized account, remove my information from the creditors & collection agency 's database. 
Take steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified account ( MEDICAL XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that ( MEDICAL ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXX XXXX $ XXXX XXXX {$500.00}
Complaint sub-issue: Debt is not mine

I requested XXXX to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed XXXX that they could pick it up any time. They declined. XXXX then turned my credit information over to a collection agency who placed a collection on my credit bureau. I contacted both XXXX and AFNI Inc. regarding this report on my credit informing both agencies that I dispute this debt. They have refused to remove it from my credit report which has dropped from an XXXX FICO score to a XXXX. If they would like to attempt to obtain a civil judgment to collect this debt, I would welcome my day in court. Until that day, I have requested that they remove this stain from my otherwise perfect credit bureau and stop their harassment as they attempt to collect money for a service which they could not deliver and equipment which they were unwilling to come and retrieve.
Complaint sub-issue: Problem with the interest rate

My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My wife and I had our personal data exposed by the credit reporting agency Equifax. As a result we can never be sure that our personal data wo n't be used against us, or to fraudulently obtain credit in our name or to access and steal our financial information and assets. 

In addition, Equifax apparently knew about the data breach for at least a month before revealing this to those of us who 'd been hacked. That was a month that could have been used to change passwords and logins, and otherwise protect ourselves. Instead it was a month used by the hackers to burrow further into our personal data and use it for gain and to harm us. 

Finally, when they did announce the breach they did a inadequate and poorly coordinated job of setting up yet another unsecure link to check if we 'd been hacked and then did n't allow us to IMMEDIATELY sign up for credit protection - only announcing a future date when we could.
Complaint sub-issue: Problem with fees

I attempted to make my rwgular payment of {$100.00} per month. The customer service told me I needed to pay {$170.00} because I was over my limit of ( {$5500.00} ). When I opened my account I never agreed to be allowed to charge more then the limit given. 

I was allowed to charge {$800.00} over my limit. I was advised in 2009 companies were not allowed to allow the consumer to use more then their credit limit. 

I was told today I must bring my account current to avoid incurring over limit & late fees. 

I do not feel this is right.I feel they took advantage.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX ) account, 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose