Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I attempted to utilize my Credit Karma Spend Debit card in the amount of {$260.00}, knowing I had a balance of over {$1000.00} and was shocked to see that the transaction had been declined. I called Credit Karma on XX/XX/XXXX to inquire as to why it was declined and was told that my account had been frozen, but they couldn't give me any details and would open a ticket. An email was sent with a case number XXXX. I have since called every day, provided required documentation ( bank statements from outside linked account, and copy of driver 's license ) yet my account remains frozen with zero explanation. I have searched online and found there are hundreds if not thousands of other innocent folks with the exact same issue with Credit Karma Spend. In the meantime, I have gone deep into the red within my linked account as I can't transfer money to cover auto bills. I am extremely infuriated that no one can tell me why my account has been frozen, I am transferred every time to a call center in XXXX ( no offense to anyone, just stating facts ) and they just keep telling me they'll 'escalate ' my case, but to this date, my account remains frozen. To not tell me why my account is frozen, not unfreeze my funds and keep passing me on to the next person is enraging and seems 100 % illegal. Please, PLEASE help me get our money back!
Complaint sub-issue: Personal information incorrect

I have requested Equifax to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.
Complaint sub-issue: Old information reappears or never goes away

XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.
Complaint sub-issue: Problem with personal statement of dispute

Showing on report as late when account was never issued to me in writing or given permission to report
Complaint sub-issue: Banking errors

Report fraud of {$10000.00} along with proof of XXXX  and XXXX on dates fraud was committed only to receive half a provisional credit for XXXX on XXXX but when request made to dispute other {$5400.00} for the other half told provisional credit reversal would be made on XX/XX/2022 and case was lost even though I have sent proof I couldn't have been retriever of funds
Complaint sub-issue: Debt is not mine

Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
Complaint sub-issue: Account information incorrect

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, Equifax erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Complaint sub-issue: Problem with statement of dispute

All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. 
I do n't understand why Equifax does not follow their own policy.
Complaint sub-issue: Debt is not yours

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Complaint sub-issue: Trouble with how payments are being handled

I consolidated my subsidized loans in XX/XX/XXXX and began payments in XXXX or XX/XX/XXXX. I immediately enrolled in an Income Based Repayment Plan and have stayed in the IBR plan ever since. I submitted Employer Verification Forms for each employer demonstrating I worked at non-profit 503cb. XX/XX/XXXX I was notified that 25 of my payments did not count, even though I was in the same repayment plan and working at 503cb companies. FedLoan processing told me they had 12 months to conduct a manual review. I've called a few times to check in during the past year. Today when I called FedLoan and spoke to a customer service agent, I was told that FedLoan has no timeline and can not tell me when my employer certification forms/payments will be reviewed. They also can not tell me why those payments do not count towards my 120 payments in Public Service Loan Forgiveness program. I understand that my 120 payments won't be done until XX/XX/XXXX but I'm upset FedLoan originally told me a year to review and now is telling there's no timeline and no requirement that they correctly service my loan.
Complaint sub-issue: Deposits and withdrawals

I open a checking and saving accounts back in XX/XX/XXXX in Key Bank I have nothing but headaches from this branch is like pulling teeth with your own money. The unauthorized transactions made in my accounts they still have not been neither fix or credit back to my accounts till this day. After is clearly in my account of such unauthorized transfers. Just recently on XX/XX/XXXX {$300000.00} and the rest of my money was swiped out of my accounts completely and after numerous complaints still my money hasnt been credit to my accounts. I want all my funds the same way I put them in this bank. This is the biggest fraud I had ever seen done to an individual.
Complaint sub-issue: Account information incorrect

My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XXXX XXXX XXXX From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XXXX XXXX XXXX Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.
Complaint sub-issue: Reporting company used your report improperly

My Ex husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.
Complaint sub-issue: Frequent or repeated calls

As of XXXX XXXX/XXXX/16, they have called me 4 times today, twice yesterday, once the day before.
Complaint sub-issue: Having problems with customer service

I called Fed Loan services to change my student loan to an extended pay to get approved for my mortgage. The first time I called they told me that all that would happen is that I would have to opt out of IBR and then they would put me on an extended payment which would take about 10 days. I then spoke to a supervisor to try to expedite the process since I am currently living in a hotel for two months and need a letter stating what my payments would be under the extended pay so that I can get approved for my mortgage. The supervisor stated that I would have to make a payment first and that I could then be switched over. Fast forward to a week later, I called and a supervisor by the name of XXXX said that the payment I made would not count because I needed to get a bill first before I made a payment. After that it would take 2-3 billing cycles before they could switch me and give me a letter. At this point I became very frustrated because I was due to close on my house on XX/XX/XXXX and could not because of this. I explained to them that I needed a letter just a letter stating what my payments would be so that I could have a house to live in since I am basically homeless at the moment. XXXX would not budge or help me and was very rude telling me that I did n't understnad the process and that I would just have to wait the 2-3 billing cylces and that no one could help me with that. Crying at this point I asked to speak to his supervisor. She was helpful and said she would check on my account and call me to keep me posted. One week later, I am still waiting on a call from her. She has not called me to inform me and when I call I get the run around from everyone. Today XX/XX/XXXX, I am unable to close on my home on XX/XX/XXXX as scheduled. They said they are waiting on a payment ot post ( which the money has already been taken out of our bank account ) and that it would take them 5 business days to generate the letter which still does not allow me to close on my house on the scheduled date. All I need is a letter.
Complaint sub-issue: Account information incorrect

I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the 3rd time and the amount has doubled. One agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 
During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 


2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I filed a complaint with the CFPB against Equifax for using personal information without written consent. I advised Equifax that they violated XXXX5 USC 1681 b ( a ) ( 2 ). On August 3, 2022, I learned Equifax has misused my personal information. Equifax has caused intentional harm to me by providing false and inaccurate information to lenders in response to a credit extension request. I am filing this complaint to DEMAND Equifax terminate the usage of my personal information and any information pertaining to me ; name, social security number, birthdate i.e. without written consent from myself. At this time Equifax has in their possession zero written consent and zero affidavits from me to permit furnishing, distributing, or selling any information on my behalf. I have given zero consent to mishandle any information given to Equifax by any party. Harm has now been done to me because my information was illegally and unlawfully misused. I seek the amount of {$550000.00} ; or what is ordered as the highest payout from any judgment against Equifax concerning issuing wrong credit scores or issuing misinformation to lenders, as a remedy.
Complaint sub-issue: Information is missing that should be on the report

Equifax has a missing tradeline from my credit report that was once on it. This missing tradeline is from XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.
Complaint sub-issue: Problem with fees

I used my XXXX credit card ( held by US Bank ) in XX/XX/XXXX for an online purchase. I had no problem with the order - they accepted my credit card with my current billing address and I received my purchase at my current address which is the same as my billing address. 
I found out in XX/XX/XXXX after seeing my credit report that US Bank had been applying fees since XX/XX/XXXX which amounted to {$230.00} for not receiving a payment on the card for the XX/XX/XXXX purchase. I called the credit bureau right away and then US Bank to get this taken care of. I have been dealing with this issue since XX/XX/XXXX and have talked to US Bank at least a dozen times to get this corrected. They told me they had sent the credit card statements to my former ( 4 yrs previous ) address in XXXX. And said it was my fault that they did not send it to my correct updated address which they said I had not given them - BUT they had my correct address in XXXX when they processed the online order with my XXXX address. I asked them to send me the statements I had not received so I could see what had happened and waited a month, had to call them back and they admitted to sending those statements to the INCORRECT address AGAIN! 
I filed a dispute with the credit reporting agency ( XXXX ) twice and a dispute with the US Bank. Each time the bank refused to admit to their error in sending the invoices to the wrong address. Of course this all happened within US Bank ( that's who XXXX contacted and supposedly believed them even though I sent them paperwork to back up my issue ). I am now trying to get someone to see that it was not my fault that I didn't get the statements that I would have paid in full if I had. My credit history has been excellent for years ( as is shown by the credit limit on the card - {$23000.00}!! ) As soon as I saw my online order statement I wrote a check for the amount of the order. The bank is still saying I need to pay the late fees in order to settle this matter.
Complaint sub-issue: Reporting company used your report improperly

My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
Complaint sub-issue: Reporting company used your report improperly

I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. 
The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.
Complaint sub-issue: Investigation took too long

I am in the process of trying to get a mortgage for a new home, I sent a letter out to Equifax like 45 days and I still have n't heard anything back from them! I really need to be moving, and it 's frustrating sitting around and waiting to hear from them. I addressed my main concerns in the letter I attached for you!
Complaint sub-issue: Debt is not yours

There was an XXXX that was not mine, I disputed it and had the debt validated. Collection company removed debt from credit report and not collection company has reaadded account to my credit report causing damage to credit history.