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

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX {$100.00} Account number XXXX Hard Inquires : XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report
Complaint sub-issue: Debt is not mine

I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XXXX of XXXX. Also, they are reporting Lates Starting XXXX of XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Complaint sub-issue: Reporting company used your report improperly

Upon recently checking my credit report, I have discovered XXXX XXXX obtained a copy of my report without my authorization or consent. Further, they are reporting that I am " over limit " on my account, which is innacurate. They have been reporting since XX/XX/2022. This company is a scam and have had their business license revoked in Texas.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX
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 the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On Equifax reported not my inquires to them of inquires that were not mine XXXX from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Problem during payment process

Macys APP failed to process a scheduled payment. I need proof of the results of the investigation that they claim they did. I need names and dates. I have never been 30 days late and I am not sure why macys is playing games with this. I already spoke with their IT department and was told that the app does fail sometimes. I also was not contacted to inform me that the payment had not processed. So there are many issues here, but I need the proof and results of the investigation with names dates and times, so I can prepare to move forward to the next level. 

Macys reported a late pay without notification in the middle of a national pandemic. My husband is a XXXX XXXX  and I had XXXX, so while we are XXXX  XXXX, macys is reporting inaccurate late pays in an effort to ruin a persons credit. 

I am fighting this to the end because the payment was scheduled to process and macys failed on may levels. PLEASE PROVIDE PROOF OF INVESTIGATION! 

MACY s is in violation of my rights! what they are doing is terrible!
Complaint sub-issue: Didn't receive enough information to verify debt

STATEMENT OF FACTS XXXX. On XX/XX/2022 MOHELA/Lien Debtor received via certified mail number XXXX XXXX XXXX XXXX XXXX a request for proof of indebtedness letter. MOHELA/Lien Debtor received via certified mail number XXXX XXXX XXXX XXXX XXXX a second request for proof of indebtedness letter on XX/XX/2022. 

2. MOHELA/ Lien Debtor as of the XXXX of XX/XX/2022 has not responded to the letters sent nor effected the remedy. 

XXXX. MOHELA /Lien Debtor is at fault.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.
Complaint sub-issue: Threatened to sue you for very old debt

The collector has called me daily since XX/XX/21, leaving intimidating voicemails saying if I do not call them back, paperwork will be filed with the county. After not reaching me on the phone, they called my husband, who happens to be an XXXX. He attempted to verify that the debt is real. They provided bogus information, refused to provide any information regarding the particulars of the debt ( amount, date debt was occurred, etc. ), were abusive in their communication, and refused to provide contact information for him to send a letter or representation. They argued with my husband, stating he was not a real XXXX  ( he very much is ), and continue to leave harassing phone messages with me, daily. In the messages, they do not identify any information other than they are calling from " MAC, '' they do not indicate they are attempting to collect a debt or anything else that debt collectors are required to do. 

The only information they provide is the company name of " MAC '' and a number, XXXX. They call from a VOIP number XXXX. 

I believe they are using outdated information from my credit that is well past the statute of limitations and manipulating that information to harass and scam me into giving them money.
Complaint sub-issue: Can't use card to make purchases

I got a Home Depot credit card with {$500.00} limit, passed through XXXX credit system. The bank for the home depot is Citibank. During the application process, the store clerk typed my address and phone number wrong. I was never been able to correct my address and phone number with Citi after talking 20 times. They asked me to call from " that number ''. I do not know what the number the store clerk put in by mistake. 

They put also address WRONG. 
Wrong address is XXXX XXXX  XXXX. XXXX. XXXX, XXXX XXXX, CA XXXX. 

" The CORRECT address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. '' I purchase {$300.00} worth the stuff USING THE DATE OF APPROVAL and I paid promptly. Citi is hassing me to the infinity TO CORRECT THIS STUFF. CARD IS NOW FROZEN/INACTIVE Either they correct my address and they can reach me at ( XXXX ) XXXX. 

Also I have the possesion of the card. Citi is a crooked and unethical bank. I even went to Home depot and showed my driving license and I paid through my personal check.
Complaint sub-issue: Information belongs to someone else

see attachments Information is not accurate and fraudulent
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX a fraudulent purchase was made on my Discover credit card on my XXXX, I made a dispute with XXXX they stated they could not help me. I waited until XXXX of XXXX to try with Discover. They told me since I payed on my account and did not report fraud immediately they could not determine it was fraud.
Complaint sub-issue: Reporting company used your report improperly

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type llsted as finance/personal last payment the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses to do so.
Complaint sub-issue: Didn't receive notice of right to dispute

At the start of 2021, XXXX started billing me for subscription to XXXX although I did not subscribe. I disputed the charge and asked that they stop billing me and requested that they close my account to stop the charge if needed. XXXX did not ; they charged me late fees instead on the latest bill sent. Thereafter I cut the card in half and returned it to the issuer as I requested that they cancel my account. I sent letters to three of their departments. 
On a recent letter I received in XXXX, I was informed that my account is still open but I will not be able to charge on it. 
Subsequently, my account was closed and maliciously reported to XXXX to give a negative impact to lower my credit score for not having paid the disputed charge of {$38.00} and tacked on additional late fees of {$40.00}.
Complaint sub-issue: Trouble with how payments are handled

I complained once already ~ I heard from XXXX XXXX at Discover Student Loans on XX/XX/XXXX. I have not yet once been able to contact her. ( What a joke. ) She does n't actually ever answer her phone. She told me to call the forbearance department. The XXXX time, back in late XXXX, they told me I had to wait until my payment was almost due on XXXX XXXX. I called back today and the guy was explaining that my payments will be larger - almost trying to scare me out of doing a lower payment plan for 6 months. This seems outrageous - what kind of financial help is this? I did understand that they are refusing to extend the terms of the loan. *BUT* they gave me *FALSE INFO* from the beginning and I promise you a rep there told me I could do income based repayment back in Fall XX/XX/XXXX before I signed up with them. But they do n't have a recording -- they do n't care. They are not losing anything in their eyes. All I needed was an estimate of what my loan will look like month-to-month after I go on a reduced payment plan and the guy, XXXX, I believe, he said " Sorry we do n't do that. '' Is that customer service? No, that is pathetic. That is what that is. They care very little. This is called financial slavery. And I could re-finance with another company but get the same exact rates and then destroy my husband 's credit score with a large loan like that. Outrageous - I basically went to college so I could be in financial prison. I can barely afford to pay for my housing and food when I 'm paying $ XXXX/month on student loans - what the heck was the point of college? WHAT A JOKE. Do n't ever sign up for private loans ever!
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 the date 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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Sir/Ma'am, My wife and I have two credit card accounts with Macy 's Rewards/XXXX XXXX XXXX Today ( XXXX ) my wife was reviewing her credit history with XXXX  - - because we're applying for a mortgage, which the issue I'm about to describe to you only exacerbates - - and she observed that Macy's/XXXX XXXX had apparently arbitrarily decided to lower our credit limit from {$1500.00} to {$800.00} per account without prior notice. 
This normally would not even really be an issue, but here are the specific and serious consequences for us, the lowly consumer : 1. We each have really excellent credit history, but this decreased credit limit - - done without soliciting any feedback from us - - will hurt our credit rating, through no fault of our own.

2. We're currently trying to get a mortgage - - see # 1 above.

3. Without exception, we pay all our bills on time - - see # 1 above.

4. Neither Macy 's nor XXXX XXXX contacted us ahead of time ( text/email/telephone/USPS ) regarding this - - they simply did it.

5. We spent well over an hour on the phone today arguing with Macy's/XXXX XXXX telephone operators in the XXXX ( because apparently American big business interests have written off investing in this country and choose to invest in overseas telephone call centers instead ) trying to describe the adverse financial consequences we will now experience with a likely lowered credit rating ( and higher interest rates ) when we apply for a mortgage in the near future. And of course, nobody in XXXX really grasped how this was a problem, nor could they explain why it was done or what our recourse was, nor how we could communicate directly with executives in XXXX XXXX in order to plead our case. 
6. Lastly, and most disgusting of all is the fact that these despicable and arbitrary actions are taking place in the middle of the global plague that the XXXX XXXX Government has unleashed on the world. People are literally dying around the globe and entire industries are going under, and we're on the edge of a recession or ( possibly ) even a depression. People are under a lot of stress, and the thoughtless actions of this credit card company are not helpful. I find it hard to comprehend how they failed ( and continue to fail ) their customers, and their behavior especially at this time is hard to comprehend.
Complaint sub-issue: Information belongs to someone else

I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : 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 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
Complaint sub-issue: Other problem getting your report or credit score

after trying to receive a loan through XXXX XXXX loan i was told that there was a security freeze on my equifax file, i proceeded to contact equifax where they asked for me to fax over a copy of my social and my drivers license. After having done that i called them back a few days later and was told that everything was clear. I tried getting the loan again and i was faced with the same issue again that there is a freeze on my credit file. I contacted equifax again and this time i was told that i dont even have a credit file with them. So if i dont have a credit file then what freeze was removed??? contacted my banks and credit cards and was notified that my credit is being reported to equifax. proceeded to make 3 calls and talk to 4 different supervisors at equifax and still no luck i was told that i need to contact my banks again and wait 90 days for it to process.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX tried to double bill us for a bill of {$19.00}. We made numerous phone calls each time giving them the transaction ID number. They pretend to see that the bill is already paid, but still send bills after these calls. 

We sent a hard copy of the payment transaction from our XXXX showing that they received the payment. Now they have sent us to collections for that bill plus interest.
Complaint sub-issue: Public record information inaccurate

Lexisnexis, XXXX, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that lexisnexis receive information from a third party verification system known as a XXXX XXXX and then sells this information to other collection agencies. The XXXXXXXX XXXX  is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief.

Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.
Complaint sub-issue: Information belongs to someone else

The credit agencies are not complying with their own policies in a timely manner.
Complaint sub-issue: Account status incorrect

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept EDXXXX XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX  accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 EQUIFAX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT