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

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability Your Comments from the previous and related dispute just filed on XXXX XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the XXXX listed, are inaccurate as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Sent in several letters stating inquiries are Unauthorized. 
These are the following inquiries that are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I have been charged a late fee on this card the last two months in a row from my Macy 's store credit card. ( This is not the first time this has happened within the tenure of my account with Macy 's. ) They have a due date of the XXXX of the month and in XXXX the XXXX fell on a Saturday and, because of their method of posting their payments, it wasn't posted until the XXXX. Last month, they said I did not make my payment on time. In XXXX, I set up my payment ahead of time to be made on the XXXX and, lo and behold, no payment showed up. I received a email the makes me aware my payment was not received and was assessed a late fee of {$29.00}. Imagine that ... 

To their credit, they did wavie the my XXXX payment but this is a shell game no doubt.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

The following First Access Visa credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I would like to dispute these inquiries Iam unaware of them, I do not recall MakiXXXX these ... I would like them removed off my report
Complaint sub-issue: Information is missing that should be on the report

Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. 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

XXXX, Equifax and XXXX are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

A party calling themselves XXXX contacted a 3rd party regarding student loan debt at their Home ( showed up at the doorstep of a family member of the person who received the student loan ) asking for XXXX on XXXX/XXXX/16. The sister is not XXXX 's wife or attorney making this contact illegal. The same sister was called several times on XXXX/XXXX/16 and would not divulge their purpose. Again illegal. Further investigation found this company to actually be PNC financial services. This came after XXXX 's wife asked PNC to cease contact with her as XXXX was away on a XXXX. PNC has been consistently harassing XXXX even when he is away at XXXX sometimes for as long as 6months. This is harassment on every legal.
Complaint sub-issue: Information belongs to someone else

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit
Complaint sub-issue: Can't close your account

I closed my account with Discover Bank ( Card ) in XXXX, paying it in full and ensuring that this payment covered all finance charges. Later that month, I called back to ensure that my account was closed and there was a XXXX  balance on my closed account. I then received a series of checks from Discover, two stating that I had overpaid. This is unacceptable due to the due diligence I showed in calling a SECOND time to ensure my account was in order. I deposited the first two checks. I later received notice that they had made a mistake and shouldn't have sent me the second of three checks and that I must pay that back immediately. I sent a written notice, refusing to pay them since I had paid off ALL money owed and checked back before the time the checks were mailed to ensure this was the case. That same week that my paper request for written confirmation of my closed account was in the mail to Discover Bank, they sent me a THIRD check to deposit with more money they supposedly owed me. I then called the company AGAIN and told them what was going on. The manager refused to clear the account and insisted I owed them the money even after the company is still sending me a checks. I have not deposited the third check due to the behavior of representatives of this company. I feel I am trapped in a scam. I asked for an email copy of all transactions they have a record of my billing and phone call transactions for my complaint for the Consumer Financial Protection Bureau and other consumer advocacy groups. She refused to email it to me but said she would mail me a hard copy once the legal team preps it. That was on a Friday. I still had not received the promised correspondence by the following Friday but did receive another e-mail claiming I owed the money and must now pay a minimum, insinuating that this fraudulent charge now carries possible finance charges. I called the company again, speaking to another manager, who claimed that they can't mail me such documentation and the last manager never should have said she could. She read the notes from my last call and agreed to forward my information and request to speak to a " higher up '' from their legal team. She said they could not call me for 24 business hours, putting me into the second week waiting for this basic information. I am now submitting the complaints without it, while awaiting the supposed call from their legal team.
Complaint sub-issue: Information belongs to someone else

I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}
Complaint sub-issue: Account information incorrect

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I XXXX but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Complaint sub-issue: Talked to a third-party about your debt

This is my 2nd complaint against Discover Financial Services. In their previous reply, they stated on XX/XX/2016 that my account was placed with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a lawsuit was filed with the XXXX XXXX District Court and on XX/XX/2016, service to you of the lawsuit was completed. In their response, there are several violations under USC Title 15. The first violation as a consumer, is Discover, sharing my private consumer credit transaction with XXXX XXXX XXXX. Federal law states that a consumer credit transaction is private. Discover violated my privacy by sharing my information with XXXX XXXX XXXX and by " filing '' my personal consumer transaction information with the local court. Also, the only court that has jurisdiction according to federal law is a federal court and not a local judicial court. Me signing and agreeing to pay was out of fear, not knowing my rights as a consumer and not knowing that Discover had no right to share my private consumer information with anyone without my written consent. Furthermore, Discover states that I was served on XX/XX/2016. That is not true, as the documents for service were provided to my father XXXX XXXX. After he was given the documents he called me at work to state, " you have papers delivered by the sheriff from Discover saying you owe them almost {$2000.00}, ''. Again, they violated my privacy by serving " illegal '' court documents to my father. Where was my right to privacy as a consumer. As a consumer I am protected by Federal Law. As a result of the violations, especially my privacy, I demand that the account be deleted to prevent Federal filing for compensation of {$1000.00} per violation by law. Discover Bank, needs to prove, in writing, with my wet signature, that I gave them permission to share my private consumer information with XXXX XXXX XXXX or the XXXX XXXX District Court. Also, provide proof from the service that I, personally signed for and was served the documents that were filed in court. Failure to provide either proves a violation of my privacy. So, to prevent legal actions in Federal Court, deletion of the account from all credit reporting agencies is demanded.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked Equifax XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the XXXX XXXX. Equifax XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX  payment history being reported inaccurately. 30 day late payment. Account was never late.
Complaint sub-issue: Debt is not mine

This debt is related to my niece, XXXX XXXX. She applied for financial assistance in XXXX 2015. XXXX XXXX was also on Medicaid back-dated. I spoke to XXXX Hospital in 2015 and was told that this bill was being put on XXXX XXXX 's account and should not be in name.
Complaint sub-issue: Account information incorrect

Upgrade is incorrectly showing late payments during XXXX I have called 3 times to get this removed and have received no resolution. 

In addition, I reported this to a XXXX and its still effecting my score This error by Upgrade has cost me the ability to refinance my house and now I'm faced with higher interest rates.
Complaint sub-issue: Old information reappears or never goes away

I successfully disputed an item from XXXX XXXX on my XXXX report. I sent the 609 letter to Equifax on XX/XX/2020, The item was removed from my XXXX report. I was upset to see the item from XXXX XXXX back on my XXXX my Equifax report.
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED XXXX AND EQUIFAX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED IMMEDIATELY.
Complaint sub-issue: Old information reappears or never goes away

The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.
Complaint sub-issue: Information belongs to someone else

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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Complaint sub-issue: Debt was paid

I moved residence and changed utility providers on XX/XX/XXXX, so ended my service with XXXX and made XXXX what I assumed was XXXX my final payment. They failed to mail me any additional invoice or call me with any updates/outstanding charges and I thought that we ended on good terms, since I even returned the equipment and confirmed with one of their store representatives. On XX/XX/XXXX, I saw a collection from XXXX XXXX on my XXXX report for {$55.00}. I immediately contacted XXXX and spoke with XXXX. They ( XXXX XXXX charged me {$55.00} for an outstanding balance from a statement that they claimed was generated on XX/XX/XXXX. I asked the representative if the charge would be removed from collections and she confirmed that it would. I paid said amount in full, via their chat, and she provided me with a confirmation number. I then disputed the collection on my XXXX report and XXXX XXXX removed it, but I can only conclude that they sold off the debt to another third party ( IC System Inc ) because said party erroneously added an additional collection on my report on XX/XX/XXXX in the amount of {$120.00} for XXXX So this creditor was not even attempting to charge the original amount and XXXX failed to update the account information, which was paid in full.
Complaint sub-issue: Information is not mine

4 TIMES I TRY TO DISPUT WITH XXXX XXXX, EQUIFAX AND XXXX WITH NOT RESUTLS.
Complaint sub-issue: Reporting company used your report improperly

I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.
Complaint sub-issue: Trouble with how payments are handled

Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.
Complaint sub-issue: Was not notified of investigation status or results

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly. I've attached letters I sent over 50 days ago and including a new set of letters demanding a response