Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Found a problem on my existing credit report dated XX/XX/2022. Conf. XXXX, mailed to me. 

Under soft inquiries on page 8 of 14, I found derogatory information inserted between street address and city of an soft inquiry. The derogatory information reads " LOSS MITIGATION '' between XXXX  XXXX XXXX LOSS MITIGRATION XXXX XXXX TX. 
and dated XX/XX/2022. 

NOT a proper entry. There is no bad information anywhere else on the whole report. 
Called the Credit Union, and they deny any such entry of 'LOSS MITIGATION '' put in between street address and city names. 

Asked Equifax to investigate - confirmation number XXXX. - I can't find this number ever being filed 24 hours later.

During the process, I asked the agents name- he refused to give it to me. I asked for his supervisor and he put me on hold for over 45 minutes and then hung up on me.

During this process, I asked for a corrected Credit Report- he said it was impossible to mail it to me at my current address, even though the original credit report was mailed to me at my correct address.

My ideas and assessment of the problem : 1. A mixing of two credit files which inserted bad data on page 8 under Company Information. The credit union denies this derogatory information.

2. Equifax states this is an improper method of reporting.

3. Equifax failed to identify the agent name and ID number or allow me to speak to his supervisor.

4. Exquifax said they can NOT mail a corrected credit file to my address under original credit file number XXXX at the same address. 
5. I am looking for employment and this derogatory information may hurt my chances.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and XXXX  Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Dept of Ed XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  Bankruptcy # XXXX XXXX XXXX Account # with held for 3 accounts totaling {$84000.00} 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Investigation took more than 30 days

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate this account is reporting inaccurate and incomplete information. You guys are reporting this account twice with two different sets of information, please update this account and send me a copy of my updated credit report reflecting this information.

Account Name : XXXX Account Number : XXXX Please investigate this account each credit bureau is reporting a different date of last activity for this account. Equifax- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. Equifax and XXXX are reporting this account is paid as agreed. XXXX is reporting this account is currently pass due 6 months. In addition, this bank is no longer open so why are information related to this bank appearing on my credit report. Please validate this account or delete it from my credit report immediate. 


Account Name : XXXX Account Number : XXXX I also believe this account is reporting inaccurate information, please verify this account information is correct. 
Each bureau is reporting a different date of last activity. 
Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account Name : XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Complaint sub-issue: Received bad information about your loan

I tried to consolidate through XXXX XXXX  XXXX on XX/XX/2019. They stated that they were connected with the federal government. I asked many questions, but the one question that I asked the most and every time I called was if there were any charge associated with the consolidation. Every time their answer was that they were part of the government and there is never any charges and that any fees will be applied to my current loan. They clearly stated that the {$230.00} that I paid in XXXX, XXXX, & XX/XX/2019 would be applied as a payment toward my current loan. They even told me not to pay anything toward my student loan because that amount of {$690.00} would be applied to the loan once the consolidation was done. When the consolidation was in the final stages, I called great lakes to see why the {$690.00} had not been forwarded to my XXXX XXXX. They told me to wait about 10 more days and it would be sent to XXXX XXXX. After the 10 days I called back because it had not been applied, by this time everything was finalized, this is when great lakes told me that the charge of {$690.00} would not be applied to my current loan and they were keeping it. It is very disheartening that people are so dishonest, especially here in America.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Citibank double cash rewards card was stolen on XXXX/XXXX/XXXX along with my XXXX XXXX XXXX at XXXX night club in XXXX XXXX, XXXX I saw multiple fraudulent attempted charges on my online account for {$3100.00}, {$2100.00} and {$530.00}. There was XXXX successful fraudulent use for {$1000.00} in the form of quasi cash at XXXX XXXX XXXX XXXX. I did not give permission or authorize anyone to use my credit card or my driver 's license. I notified Citibank who cancelled my card that same day and I went to the XXXX XXXX XXXX Police Department station ( XXXX XXXX and filed a police report. I flew back to XXXX without an ID on XXXX/XXXX/XXXX. I obtained a duplicate driver 's license on XXXX/XXXX/XXXX. A detective from XXXX attempted to contact me at my work and on my cell phone after XXXX weeks, unsuccessfully. I left a voicemail on his voicemail with everything I knew about the charges i.e. and did not get a return call. I was contacted by citibank security operations person handling my case, a XXXX XXXX, who was not professional or helpful and closed my case without proper time to submit evidence. She reported they had enough evidence it was me who made the fraudulent transaction but stated their evidence was confidential so I did not have access. The fraudulent charge was placed back on my account {$1000.00} in last last 48 hours.
Complaint sub-issue: Debt is not yours

I had internet service with XXXX but due to poor service and bills coming late, poor customer service, service was disconnected in XX/XX/XXXX. I completely moved out of the state to another. I started getting calls about service and they wanted to make it right. I informed the office of the President for XXXX that I no longer lived in the state and did not need their service. They apologized for the error and said I will not be contacted again. Service was disconnected and no balance was remaining. Some how, I started getting phone calls from a collection company called MRS BPO. I instructed them to stop calling me and if They believed I owed a debt to put it in writing, as I did not owe a debt to them nor XXXX. They became rude and obnoxious. The persisted with calls, now they have intentionally and willfully placed false claim of debt on my credit profile. Moreover, they made they start date of service XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, Equifax XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Complaint sub-issue: Account status incorrect

I opened an account with XXXX retail credit. Unfortunately I had caught XXXX literally a month after. XXXX of XXXX. I reached out to XXXX and informed them of my situation as often as I could. I was hospitalized for 3 months and 4 months of XXXX XXXX. They always tried to enroll me in different programs. They are so hard to understand on the phone as it's a major language barrier between them and I. They have stated I changed my number in an email. They have sent me an email that I informed them that I'm in bankruptcy. I am not in any bankruptcy. I call them and said this is incorrect. They advised me them received information from a 3rd party. Then I just recently got a statement in the mail to make a minimum payment due by XX/XX/XXXX for XXXX. 
I disputed this with XXXX, XXXX and Equifax. All 3 credit reporting agencies have different data. This information that XXXX is 100 % inaccurate, false and damaging to my personal credit report and fico score.i have made several attempts to dispute and resolve this matter and I am exhausted. They are reporting that I've been affected by a natural disaster.. They have a noreply email so you can't dispute anything they send. When I call every person has something different to say and there is never a manager there to resolve my complaints and disputes.. but they want my money with no paperwork and or agreement. As you see the account is closed and yet they ask me for a minimum payment. I demand this account be settled as soon as possible and since the credit reporting is so inaccurate it must be deleted immediately as the credit reporting agencies have not properly disputed this account properly or accurately.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information is missing that should be on the report

I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}
Complaint sub-issue: Account information incorrect

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is as reminder to the Credit Bureuas that they have failed to comply with my requests to remove the fraudulent accounts and information completely from my Credit File! I am disappointed and I feel like the Credit Reporting Agencies are not doing their jobs and have grown negligent of their responsibilities. Let me remind the Credit bureaus that they are required to investigate and remove any fraudulent information from my Credit File under the Fair Credit Reporting Act section 605b. Also, the Credit Bureaus have been failing to respond to my dispute letters in a timely manner have been claiming that the items I am disputing are verified and accurate! This is a clear violation of my rights under the FCRA! My Identity was stolen and was used to open these accounts and file these information without my permission therefore these items I am disputing must be removed at all cost! Once again, I need the following items removed completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Denied request to lower payments

At the end of XXXX early XXXX I contacted my lender Flagship credit and advised that my husband was not working and that he was diagnosed with XXXX and that it was affecting our family. They agreed to take the rest of XXXX payment and place to the end of the loan. If i could set up payments to take care of XXXX payment. I agreed. I made one payment over the phone with the rep and he set up the second half of the XXXX payment for XX/XX/XXXX. I listened to a recording and agreed to the terms of the extension. Fast Forward.. The second half of the XXXX payment was taken out on XX/XX/XXXX. 

On XX/XX/XXXX. They called me and say I owe XXXX and that my account in 29 days delinquent. I told them about the extension. The rep said the extension was denied and that I should have called back.. Really! I was approved over the phone. I asked to speak to a supervisor. He or she never came to the phone!! These people are liars! Please help me.
Complaint sub-issue: Information belongs to someone else

All the accounts and inquiries listed below are all fraudulent and were opened without my conscent. And it is against the law to report fraudulent account. 

Equifax Fraudulent Accounts XXXX XXXX XXXX Account Number # XXXX Account open date XX/XX/XXXX Balance {$1200.00} Equifax Fraudulent Inquiries XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter. Also, they are reporting inaccurate personal information on this account which is another violation of the FCRA as well.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Sallie Mae Consumer Banking Company is taking advantage of people in times of crisis. 22 million people in the United States are currently unemployed. People are worried how they are going to feed their families. Meanwhile Sallie Mae is only concerned with the money they are going to make. When COVID-19 took over the world, almost every company I have ever been in contact with sent out an email detailing what they are doing to help in this time. Sallie Mae sent out an extremely vague email saying to " contact their costumer support for help. '' Since I lost one of my jobs during the pandemic, I can only afford to pay my rent right now, and I am unable to make my student loan payments. When I finally was able to contact someone at Sallie Mae, they informed me that I could be eligible for, a one time, three month forbearance in which my loans will still be accumulating interest. How is a company as large as Sallie Mae getting away with penalizing those who can not repay their loans right now? 
Federal loans have stopped collecting payments and are not accumulating interest during this economic crisis. Meanwhile Sallie Mae will penalize me, and only give me 3 months. The way things are going right now, I am highly unlikely to get my second job back in the next year or so. This is immoral and predatory behavior. I want to make it extremely clear that I have worked very hard to diligently pay off my loans while I put myself through XXXX school. During my time as a student I have worked full time, and opted to pay interest as I went. Trying to always do the responsible thing. I am having to make almost {$200.00} payments every month, ( even though I am still in school ) this has forced me to get a second job, just so I can make my payments on time. When I lost the secondary income I did not file for any unemployment benefits, because I have enough to pay my rent and buy food. I recognize that is lucky compared to how a lot of people are suffering right now. I would not feel right collecting money that someone needs more than I do right now. That is called doing your part for society in times of crisis. Getting through these times are going to take effort and sacrifice on everyones behalf. Sallie Mae is not doing enough, or hardly anything at all, to help those who can not afford their payments right now. This is just another example of a large financial institution breaking the backs of those who have no other options. What kind of society do we live in where companies like Sallie Mae can get away with hurting young, hardworking, future nurses? Something needs to change.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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: Reporting company used your report improperly

I got these negative items from unknown companies to show up on my credit report. I need them removed immediately.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written LEXIS-NEXIS a few times, asking them to verify how they verified a bankruptcy and asked them if they could remove it if it could not be verified. They are still showing it on my most recent Lexis Nexis report. I know the courthouse is do not report anything. I also know that the credit bureaus have came back and told me that they received the information from LEXIS-NEXIS and they just gather your stuff through public information and post it and sell it to the credit bureaus. I also know that just because something is a public record does not mean its true and accurate and that is not a verifiable source.
Complaint sub-issue: Information belongs to someone else

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX  XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recognize this credit inquiry nor did i allow it.