Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE HELP!!! BEGGING YOU! 
XXXX IS SIMPLY A DISASTER. 
Account for XXXX ( XXXX ) was settled via XXXX XXXX XXXX on XXXX.2016. I initiated numerous disputes with Equifax and CFPB to remove balance from my report. STILL THERE! 
Equifax removes it from my account just to put it back on few days later. I dont know what to do with it at this point. Last dispute that i initiated with equifax sits on their website still open for probably 4 months or longer. No phone number to call or otherwise reach to them. I cant hate it enough, this is not funny. That is the only account that sits on my report and ruins everything for me. 
HELLO EQUIFAX!!!!!!! I SETTLED THAT ACCOUNT AND PAID SETTLEMENT IN FULL OVER A YEAR AGO!!! THERE IS NOOOO BALANCE ON THAT ACCOUNT. 
PLEASE REMOVE THE BALANCE!!!! PLEASE DO NOT!!! PUT IT BACK NEXT MONTH!!! PLEASE UNDERSTAND THAT I AM A GOOD CITIZEN TRYING TO BUY A HOUSE FOR FAMILY AND BECAUSE OF YOUR ERROR I CANT. PLEASE INVESTIGATE WHY THIS BALANCE COMES BACK EVERY TIME YOU TAKE IT OFF!!! PLEASE!!!! 

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

XXXX XXXX is XXXXiolating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.
Complaint sub-issue: Account status incorrect

In 2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, Equifax, and XXXX, each of these accounts year to date credit reporting ends in 2017. There appears to be no credit reporting since 2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Complaint sub-issue: Problem getting report or credit score

trying to get my credit score. they are asking me questions to verify my identity. but i can not answer their questions about my current mortgage and credit cards because i do not know anything about them. someone has stolen my identity and is using my credit, but i ca n't get a copy of my credit report to find out what is going on.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

XXXX credit card reporting a charge off and outstanding balance on my credit reports. XXXX and equifax. I have disputed info it was deleted and reinserted. Now showing balance due. This account was discharged in BK XXXX 2011. Company reports charge off and due as of XXXX 2011. Account should be deleted from my file and not reinserted this has happened approx. 3 times. XXXX refuses to report correct information.
Complaint sub-issue: Investigation took too long

Company did not respond to letter of inquiry concerning improper credit reporting notification.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, XXXX  account # XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 instructions
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report.

1. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX 6. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. 

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. 

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Complaint sub-issue: Information belongs to someone else

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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 EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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: Account status incorrect

In 1974 I refinanced my auto with Flagship credit acceptance LLC I had no problem until car was totaled all perfect payments. When the car was totaled my insurance sent them a XXXX check and I had gap insurance with Flagship LLC they took three months to decide not to pay the total amount. So then the company is still reporting me as late which is untrue. I have paid them in full as requested?
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX XXXX XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to them.
Complaint sub-issue: Problem lowering your monthly payments

My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX Account # 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 instructions Inquiry details XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX View your credit report
Complaint sub-issue: Investigation took more than 30 days

On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXXand I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
Complaint sub-issue: Problem getting my free annual report

I requested a free annual copy of my Equifax credit report. I was given access to it online. On top of the page, Equifax said that if I wanted to have access to my annual credit report for the next 30 days instead of just this one time, I need to create an account, which I did but as soon as I created an account, a new page popped up and I am now denied access to my free credit report that I had access to online before creating an account ( please see " Attachment # XXXX ). 

I have NOT disputed the issue with Equifax because all Equifax does is LIE, LIE, LIE. It 's a waste of time dealing with them directly. The only time they took me somewhat seriously was when I complained about them to the CFPB. Even then, they tried blaming me for their irresponsibility and failure to fulfill their obligations.
Complaint sub-issue: Information belongs to someone else

It disappoints me to see that the Credit Buraus haven't done anything to correct my Credit Report despite the countless attempts to establish a firm communication with the Credit Bureaus. I have been sending dispute letters to the Credit Bureaus to inform them that I am a victim of iof Identity theft I write to dispute information on my Credit report that resulted due to identity theft. The Credit Bureaus are required to remove any accounts and information that the Consumer identify as item resulting from the identity theft. I have been trying to emphasize the importance of the FCRA section 605b to the Credit Bureaus trying to protect my rights and correct my Credit file from any erroneous reporting. I am hoping that by submitting this complaint through the CFPB, my voice would be heard by the Credit Bureaus and have the disputed items removed immediately. Here the list of the items I need deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX  ) XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00}
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 1681. 
XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no Complaint De...

consumerfinance.gov In | 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 instructions U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Complaint sub-issue: Didn't receive terms that were advertised

Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XXXX and and maintained at least 70 days. So far still do not receive the bonus from Citi. 
I received the personal invitation code XXXX from the bank and did what they requested, they should credit the {$500.00} right away
Complaint sub-issue: Information belongs to someone else

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have two jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions 15 U.S.C 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
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF ; THE CFPB ALSO SPECIFIES THAT WE DO NOT INCLUDE ACCOUNT NUMBERS, ETC IN OUR COMPLAINTS BUT I HAVE ATTACHED MY LETTERS THAT HAVE BEEN SENT TO YOU 3 TIMES AND WILL INCLUDE MY ORIGINAL COMPLAINT AS WELL! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.