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

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.
Complaint sub-issue: Information belongs to someone else

XXXX  has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Account status incorrect

Accordingt to XXXX, In XX/XX/XXXX, I closed my CitiFinancial account with a XXXX balance. In XX/XX/XXXX CitiFinancial has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX a debt validation letter was sent to the company to validate a debt with the company, with proper paperwork or signature, which the company failed to provide. what docs did the company provide to the credit bureaus to validate the debt.
Complaint sub-issue: Problem getting my free annual report

EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Investigation took more than 30 days

XXXX is the General Executor of all accounts and affairs regarding the name XXXX XXXX XXXX its ESTATE and any/all derivatives. 

2. FCRA 1681 ( i ) states in part If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

3. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX by refusing to comply with FCRA regulations 1681 ( i ) by either 4. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to conduct a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

5. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to provide proof of a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

6.When a customer disputes credit information to a CRA, the CRA must advise the furnisher of that data that a dispute exists and provide the furnisher with all relevant information regarding the dispute that the agency has received from the consumer. Id. 1681i ( a ) ( 2 ) ( A ). Once notified by a CRA, a furnisher must *36 ( A )  conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency .... ; ( C ) report the results of the investigation to the consumer reporting agency ;
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, I was preparing a large order on Home Depot 's website. When I went to checkout, the site displayed an advertisement stating that if I applied and was approved for a Home Depot credit card, I would receive {$100.00} off an order of {$1000.00} or more if I used that credit card to make the purchase. 

I applied for the card online by clicking on the advertisement, and I was approved. However, the credit limit imposed on the card was {$800.00}, meaning that I was unable to use the card to make the purchase and receive the advertised offer. 

I believe that this offer is a bait and switch, as there is no reason why the credit limit on the card should be so low. Information that was requested when I applied for the card, which I provided, was that I make {$95000.00} per year, and own my home outright ( no monthly payment ). My credit score is well above 700, I have an excellent credit history, and I have no outstanding or past due balances anywhere. 

For me to be issued a card with a limit of {$800.00} means that nearly anyone who applies for the same card via the promotional offer on the website will similarly be issued a card with a limit lower than that which would be required to take advantage of the advertised offer.

My only interest in obtaining a Home Depot credit card was to receive the offer that was advertised to me, and I was not able to do this because they put an unreasonably low limit on the card. As a result, not only did I not receive any discount on my order, but my credit score will also suffer as the result of an additional hard inquiry.
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 XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX : # xxxx XX/XX/XXXX, XXXX XXXX XXXX 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 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: Debt is not yours

Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.
Complaint sub-issue: Reporting company used your report improperly

I have been in contact with equifax trying to get the inquiry XXXX from XX/XX/XXXX, off of my credit report. I DID NOT EVER AUTHORIZE permission for the said company to pull my credit. I won't this to be removed as ensured by federal law. Also at this time I'm also seeing a new inquiry listed as XXXX inquiry date XX/XX/XXXX from business type Miscellaneous Reptg. Agenciesthis was not on my report two weeks ago and is damaging my report. Why all of a sudden is this XX/XX/XXXX inquiry effecting me? This goes against federal law FCRA. There is no contact information provided for this frivolous inquiry. And I never ever received a letter for this as well. 
XXXX XXXX XXXX  has removed this inquiry from my XXXX report and I demand it to also be removed from Equifax immediately per FCRA. I also want validity and verification of the other mentioned inquiry and I want it removed. I Do not want to be forced to bring a small claims suit for restitution on this matter but will.
Complaint sub-issue: Their investigation did not fix an error on your report

The incorrect accounts was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was on XX/XX/2022, but still accounts are presented in my report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00}
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I made all of my loans direct loans in order to participate in the Public Loan Forgiveness Program ( PSLF ). I worked with an employee of XXXX XXXX XXXX to get everything in order to begin the program of making 120 qualifying payments to then be forgiven. I went on the repayment plan I was told I needed. I paid on time for years. On XX/XX/XXXX during my annual review I spoke to an employee who told me I had made 33/120 qualifying payments. On XX/XX/XXXX I faxed over my annual employment certification form and annual documentation of income for repayment recalculation amounts. On XX/XX/XXXX I was informed via phone that I only had 11/120 payments qualified! Since I should have been well over 40 I was shocked. I spoke to many different employees and was told in the end that I wasnt on the correct repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to their error, I now have only 59 qualifying payments towards PSLF when u should be at 120 soon. They provided incorrect information to their borrower and are doing it to many. If this situation is not remedied and my qualifying payments are not adjusted to reflect the 33/120 that I was given on XX/XX/XXXX I will hire a lawyer to expose what they are doing to make this process practically impossible for all. Thank you for your help in trying to remedy this unfortunate situation.
Complaint sub-issue: Account information incorrect

Equifax Reporting inaccurate information despite me giving them notices alone with the law that supports my claim. Attached are my supporting documents.
Complaint sub-issue: Attempted to collect wrong amount

This item was removed from my XXXX  credit report. Its wrong. Delete item. Also, I wasnt contacted about them putting this item on my credit report. Before placing item on report the person should be contacted. I wasnt. Remove and delete item from my credit report.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this may have on my credit score and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they may have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may be able to provide.
Complaint sub-issue: Don't agree with fees charged

I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. 

I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? 

Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.
Complaint sub-issue: Public record information inaccurate

My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
Complaint sub-issue: Information belongs to someone else

I have this account on my credit report I have for it to be validated but they have not this one is not mines XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XX/XX/22 XXXX XXXX XXXX reported as a inquire on my account. 
Equifax XXXX XXXX I have done no business with XXXX XXXX, I called there office and they were unable to find my information in there Data base.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that Equifax,  XXXX ,  XXXX  remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of  XXXX , this judgment still remains on my credit report. I made a second request to Equifax,  XXXX ,  XXXX  on  XXXX , requesting that the credit reporting agencies remove this item.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX {$1100.00}