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

Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
Equifax obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.
Complaint sub-issue: Information belongs to someone else

As a consumer, I actually have protection under the law that is delivered to me to secure me from information simply being noted on my credit report. But despite all the complaints I sent to CFPBand Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I'm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX
Complaint sub-issue: Trouble with how payments are being handled

I spoke with the loan company and they said they would put a deferment on my account. This was not done. Furthermore and most importantly I have one account number to reference to that is supposed to apply my payments to both the subsidized and also the unsubsidized loans. For some reason the loan company does not do this. This has made a jurastic negative impact on my credit report rating. I have made several calls including one with a representative from the school stay on the line with me to try and get information about my account and three possibly four separate occasions a representative has hung up on me. More than once I have asked for a supervisor and wrote requests for someone in charge to contact me. However, the only calls I receive are automated robo-calls and if I do manage to speak with a human being, they hang up on me and refuse to let me speak with a supervisor. I have been more than nice to whoever gets on the phone but I can not get the balances, dares, why they are only applying my payments to the subsidized loan and nothing applied to the other. I write a note on every single money order for them to apply to both loans. I can not do anything to get them to do this. If I had two separate account numbers, then I would be able to. Unfortunately I have one and through calls, notes on the acutual money order to apply to both loans and letters to apply payments to both loans they will not do this. If this is n't illegal, it should be. Until this is settled or my entire loan is paid in full, my credit score will continue to hender buying a house, a new car, or do anything that relates to a credit score rating. This also includes even being able to move to an apartment complex that requires a credit check. Please contact me if you have any advice on how to fix this issue because I am out of ideas and this company American Education Services will not apply my payments to both loans. Though I have only one account number.
Complaint sub-issue: Can't close your account

Dear Madam/Sir, XX/XX/2021 I opened a checking account at Citi Bank XXXX My main goal was to get a bonus for opening and maintaining an account following rules set by Citi. My account is " blocked '' by Citi ( without any explanations for a reason for that ) and I can not close it and receive promised bonus and {$100.00} opening deposit. Please help. 

Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX
Complaint sub-issue: Reporting company used your report improperly

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

The XXXX Accounts number, XXXX XXXX XXXX, XXXX {$820.00}, XXXX XXXX XXXX {$460.00}, 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 consent.
Complaint sub-issue: Account information incorrect

I Disputed 6 late payments entries with all 3 credit bureaus XXXX, equifax and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and XXXX  and Equifax. This is hurting my credit report and need to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 I submitted a dispute with XXXX  Credit Bureau for a collection account, Hunter Warfield ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
XXXX  will not remove this account and the original creditor XXXX XXXX and collection agency Hunter Warfield has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but XXXX has refused.
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for a home and this company name Corelogic is housing inaccurate public records on my report. I called asking them how they review the information and was inform they can not provide the information. Then was advise they will dispute it with the company whose provided it. Til this date I have not got anything supporting the accuracy of the public records. Only thing they can say is it has been verified but did not show me any proof or finding to show how its accurate.
Complaint sub-issue: Public record information inaccurate

In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.
Complaint sub-issue: Problem with statement of dispute

I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. 
There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.
Complaint sub-issue: Their investigation did not fix an error on your report

i sent a letter requesting a investigation because i flet the items is not being reported legally, and on XX/XX/2021 i received a letter stating that your investiagtion was complete. 

i requested a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA ; Who did they speak with? what was the date? the name? and the address? what number did they call? 

This inaccurate reporting has caused me severe financial and emotional distress.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Complaint sub-issue: Debt was paid

A collection was put on my credit report on XX/XX/XXXX from I.C. Systems Inc stating I owe {$610.00} to the originator of the debt XXXX. I paid XXXX {$610.00} and as a result the previous company XXXX XXXX a different collector for XXXX updated the collection on my report on XX/XX/XXXX and deleted all collections on my account. This debt was paid directly to XXXX. Why am I being harassed by phone from I.C systems inc. Also my credit score has decreased and I have been trying to build it for 2 years this is unfair and unacceptable. XXXX is sending another collector after me for more money after I paid them in full.
Complaint sub-issue: Company closed your account

Hi there, I applied for a credit card " Discover it '' from Discover on XX/XX/XXXX and got approved on XX/XX/XXXX. Afterwards, they asked me to file an XXXX form and upload a picture of my SSN card to verify my information. I filed the form and submitted the picture. However, afterwards, I got informed by my employer that the information on my social security records was incorrect. 
I called Discover that my date of birth was wrong on my social security records and telling them I will update my information on social security records as soon as possible. They told me that as long as it can be fixed by XX/XX/XXXX, it would be fine. However, on XX/XX/XXXX, I received an email from Discover telling me that my account was closed because of not abling to verify my information. They closed my account and will report the account closed by creditors to credit bureaus, which would hurt my credit score a lot. 
I called them several times telling them I've already corrected my information on social security records. They refused to verify my information for me, and insist that I can only re-apply the account again. 

Thank you!
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with equifax on X/X/17 checking the status every couple of weeks and always said pending and an estimated date of completion it 's now X/XX/17 and I have no response well over the 30 days they have no phone numbers to reach them only recorded lines that give you certain options then it hangs up on you
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2020, I received notification from my XXXX  account that a collection agency by the name of AFNI, INC. added a collection account on my credit report in the amount of {$290.00}. I then called the number provided XXXX and spoke with XXXX. XXXX advised me that he is attempting to collect a debt from XXXX XXXX. I advised XXXX that he is the third collection agency representing XXXX   XXXX  for an account I never had with them. I explained that I have always used XXXX XXXX  XXXX and then XXXX. I also advised that I never lived at XXXX XXXX  XXXX XXXX and proceeded to list all my previous addresses. I informed XXXX that I had identity theft in the past and I need him to remove this from my credit report immediately. XXXX advised me to email XXXX. On the same day, I email the email address and attached my police report and my driver 's licensee. I have received no response from them. The account is still reporting the account. I want this to be removed and stop all collections on this account because it doesn't belong to me. This is the third time this has happened with this company. They NEVER NOTIFIED ME IN WRITING OF THIS DEBT. I ONLY SEEN WHEN IT REPORTED TO MY CREDIT REPORT. This has damaged my credit score. I dropped XXXX points because of this. Attached is my driver 's license and both of my police reports.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty. 
Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Complaint sub-issue: Information that should be on the report is missing

My name is XXXX XXXX  XXXX My ss XXXX.I got mine Credit report Home Depot credit card on XX/XX/2017. Its showing a late payment but I spoke to them and they said dont worry everythings its OK please help me with this issue thank you very much
Complaint sub-issue: Their investigation did not fix an error on your report

i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Complaint sub-issue: Problem with personal statement of dispute

I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.
Complaint sub-issue: Loan sold or transferred to another company

Account # : XXXX VW CREDIT XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2022 To whom it may concern, XXXX, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). 
VW CREDIT XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. VW CREDIT XXXX, ILLEGALLY obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and XXXX. I did not grant VW CREDIT XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of the VW CREDIT filings to all consumer reporting agencies. 
- Remove reporting of the VW CREDIT XXXX filings from all consumer reporting agencies. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Complaint sub-issue: Company closed your account

To improve our credit we opened a secured card by sending Discover {$300.00} and getting a XXXX card. After 2 years we received a letter stating that because we had done such a good job with handling the card, we deserved a credit card and our {$300.00} was returned and we were issued a new card. We used the card approximately 3 times when we then received a letter telling us that our card was cancelled because of inactivity on the card for the previous 18 months. We have no way of knowing what is going on.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except Discover card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, Discovercard not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted Discovercard and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..
Complaint sub-issue: Account status incorrect

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?