Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 section 602 A states I have the right to privacy.

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

There was never any written instructions given by me. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

Hello, A subscriber to Equifax, XXXX or XXXX Loan Servicing, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX ( XXXX XXXX XXXX v. XXXX, et al.XXXX, XXXX New Hampshire XXXX, No. XXXX, and XXXX v. XXXX ). 

I ask Equifax that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Dear CFPB Staff : 1 ) I established my Square Cash App cash debit card account roughly four years ago. 

2 ) On XX/XX/2021 at or about XXXX XXXX. EST, I attempted to use my Square Cash App Card to pay for an email service. 

3 ) On XX/XX/2021, at XXXX XXXX. EST, at about XXXX XXXX EST my Square Cash App Card was frozen with a positive balance of {$300.00} 4 ) On XX/XX/2021 at XXXX XXXX EST I attempted to access my Square Cash App funds but was unable to do so. 

5 ) On XX/XX/2021 at XXXX XXXX EST I accessed my Square Cash App account via the company 's portal. The portal indicated that a fraud alert had frozen my account. 

6 ) On XX/XX/2021, at about XXXX XXXX. EST, while accessing my Square Cash App account on the portal, I informed the company that there was no fraud and that I had specifically attempted to use the card for the vendor which I named. 

7 ) My money is still not available today, XX/XX/2021. 

I am a XXXX XXXX mostly working XXXX XXXX at a XXXX XXXX XXXX XXXX and need access to my funds. I am especially concerned to see online that many other customers of Square Cash App have experienced the same inability to access their funds after notifying Square Cash App that there was no fraud on their account following a fraud hold, and specifically citing the vendor they had attempted to pay. 

I have never had my funds held by any other debit or credit card provider after directly confirming the absence of fraud and indicating the specific vendor I had attempted to pay with that caused an erroneous alert, and in every other case the hold has been instantly removed. 

I am more concerned for others who are more vulnerable than myself, as this could really be devastating for low income single parents with children. 

Thank you for your very important work. 

XXXX
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.
Complaint sub-issue: Information is missing that should be on the report

My XXXX credit card account is not reporting on my XXXX and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting
Complaint sub-issue: Account information incorrect

We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
Complaint sub-issue: Their investigation did not fix an error on your report

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Complaint sub-issue: Debt is not yours

Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

My credit report is not updated regularly. I called and asked why my report is not updated regularly and I was told I need to dispute every account to change the balances. I explained the balances are correct with the other credit reporting agencies and pointed out the balance need to be updated. The representative XXXX XXXX XXXX Code XXXX XXXX stated I must dispute the entire report item by item. When we began the disputes, Equifax has more current balances than are reflected in my credit report. I again stated this means my credit reports are not current. The man put me on hold till XXXX, pretended he was helping but sent me to an exit survey of his performance. My accounts are not updated and disputes are not investigated with this company and they continue to damage my credit score.My credit report has not been updated for atleast two months.
Complaint sub-issue: Account information incorrect

On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted my Complaints # XXXX, XXXX, XXXX but I found out that you have closed my Complaints last XX/XX/22. I sent a letter to the XXXX Credit Bureaus dated XX/XX/22 to update this suspicious account : XXXX XXXX Balance : {$7600.00}. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Complaint sub-issue: Their investigation did not fix an error on your report

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I opened a XXXX  XXXX credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. XXXX XXXX agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX XXXX XXXX has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like XXXX XXXX to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number
Complaint sub-issue: Company closed your account

I have a CitiAAAdvantage card that I have had for over 30 years. Never a single late or missed payment. Always pay off my balance every month. When it expired on XXXX XXXX I was informed the card was not being renewed and I would get a letter in the mail. The letter stated that my card was not being renewed because I had either a write off on another City card or I filed a bankruptcy somewhere along the line.. Both of which are totally false. They cancelled a Universal citi card that I had since XXXX  several months earlier when it was up for renewal for the same reasons!! I spoke to numerous reps from citi to no avail. I was told send copies of my credit reports to the citi credit complaint department, which I did. You do not get to speak to someone from that department to get a straight answer! 
My credit scores are over 800!! I have never made a late payment in my life including 2 current mortgages on my 2 homes 2 leased vehicles and several credit cards! I have no clue what they think they are seeing on my credit report but they refuse to tell me even after I sent them copies when I was told to do so by one of the numerous phone reps I spoke with.. I want a REASON why I am being put though this!!
Complaint sub-issue: Trouble with how payments are being handled

Case # XXXX was a prior issue that I had with XXXX. This Case was resolved because a review was completed of any and all eligible payments and my account was updated to reflect the correct number counting towards Public Service Loan Forgiveness. I was advised that number is one hundred and sixteen ( 116 ) eligible and qualifying monthly installments. I submitted a new Employer Certification Form ( ECF ) in XX/XX/XXXX and my payments XXXX  out on my online XXXX account. I made an additional payment for XX/XX/XXXX bringing my total potential eligible payments to 121. XXXX stated my eligible date of completion was XX/XX/XXXX. I submitted the Employer Certification Form and application for Public Service Loan Forgiveness as instructed by XXXX. I then received correspondence stating my application was rejected based on lack of qualifying payments. I began calling XXXX in XX/XX/XXXX about this issue. XXXX stated I lacked 5/6 qualifying payments. I reviewed my online account and it reflected 5/6 payments remaining. This was the same account that presently showed XXXX  before I sent my application in. I later checked the account again after seeking help from calling representatives with XXXX. My account now showed I had 57/63 remaining payments. I attempted to call on a weekly basis from XX/XX/XXXX to XX/XX/XXXX and was told the same thing numerous times. I was advised my account was under review and I would received an answer within 3/5 business days. I would call back after that time passed and was advised the review would take 6 months to a year. I was advised my several representatives and managers at XXXX that my payments could be seen as being paid on my account for the months of XXXX XXXX through XX/XX/XXXX. I was advised these were the payments not being county as qualifying but my Employer Certification Form was approved and my payments are electronically debited for the amount I was instructed to pay. I was advised by XXXX that it was a computer glitch and I would have to request a payment review ( which I was advised that was happening when XXXX was 1st made away in XX/XX/XXXX ) and it would potentially take a year to review the remaining 5/6 payments. I am at a standstill with XXXX and I have provided everything they need but I keep getting a runaround and I feel I am being treated unfairly because I am trying to apply for loan forgiveness. I also was advised by XXXX that my application is on file and that I would not have to re-submit a new application. I do not feel this is accurate information because I am beginning not to trust anything that XXXX recommends because of the lack of effort and misinformation that I have received. I have attached the prior complaint and recent correspondence from XXXX. The newest correspondence shows that my payments were not counted from XX/XX/XXXX through XX/XX/XXXX, these are the payments that I was informed that should quality and put my account over or at 120 qualifying payments.
Complaint sub-issue: Received bad information about my loan

In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.
Complaint sub-issue: Old information reappears or never goes away

My account with XXXX XXXX XXXX was included in bankruptcy which was discharged in 2015. Bankruptcy has since been removed from my report. However, XXXX XXXX XXXX shows that I owe a balance of {$200.00} and is 120+ days past due. Again, this was included in bankruptcy. I have since received the title to the car and sold the car. I have disputed this with Equifax at least 4 times. It will come off my report for a few months and then reappear. It needs to be permanently removed from all reporting. Thanks!
Complaint sub-issue: Information is not mine

Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.
Complaint sub-issue: Problem getting report or credit score

Consumer affairs division of Equifax has my credit locked. They have requested documentation to prove iden tity 2 wee ks ago which was sent in promptly. Credit report is still locked.
Complaint sub-issue: Information belongs to someone else

I have an account on my credit report from XXXX auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with XXXX auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help XXXX  get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that XXXX  told me to do and submitted it. I thought it was done, because I didn't hear anything from XXXX. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But Equifax refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now XXXX is trying to collect a debt that is Fraud!!!!
Complaint sub-issue: Information belongs to someone else

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXX68****Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXXXXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.