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

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked or deleted by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX  XXXX  XXXX  XXXX Balance Owed : {$5400.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX, 2017 Dear Equifax, XXXX It is now XXXX XXXX you received the first correspondence on XXXX XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XXXX XXXX, all public records are to be removed you have yet to comply.
My mother is in the XXXX XXXX of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play XXXX with someones family. I request an immediate deletion of all negative items from my report.
Complaint sub-issue: Information belongs to someone else

Received a letter from Citi congratulating me on my new Citi Rewards card. I never applied or even intended to do so. I have zero accounts with Citi, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from Cbna from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.
Complaint sub-issue: Debt is not mine

On XXXX XXXX, 2014 my daughter started an Application online to borrow money from Sallie May. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.SM ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that SM sent money, refund to SM was requested. Due to bureaucracy, it did not happened immediately. SM started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report.
Complaint sub-issue: Problem lowering your monthly payments

When i graduated XXXX XXXX with an XXXX which was around XXXX, I reached out to XXXX XXXX to start making payments on my private loans. I remember being in forbearance for a year or two but then decided to start paying my loans because I wanted to build my credit and get rid of those loans as soon as possible. I had multiple discussions and arguments with Salliemae because they were never willing to work with me on a payment plan. During XXXX, someone I spoke to quoted me a $ XXXX/monthly dollar payment which was absurd giving my salary and expenses ( which I provided to salliemae ). Weeks later, sallie mae sent all my accounts to collections and that impacted my credit score negatively. My credit score literally went from the 700 hundreds to the 500 hundreds. Weeks later, I was having a conversation with another individual at Sallie mae and she noticed that whoever worked on my financial statement missed some expenses and made a mistake on my income which explains why I was quoted a {$2000.00} monthly payment. Now, in order for me to not have a deliquent status and my step dad who is the cosigner on the loan and has retired, i decided to agreed on the monthly payment of {$850.00} a month. Multiple times I have called sallie mae to try to reduced my payment because right now giving the financial situations everyone is going thru, I can not afford to spend almost {$1000.00} in students loans. I do want to pay my loans but they are not working with me to lower my payments. I still live with my parents and I'm honestly having family issues which would require me to move. My options are going to be to either pick up a mortgage or throw money out the window paying rent and forget about paying my students loans for now but I do not want to do that which is why I decided to reach out to you guys. 

I hope you guys can help me out with this! 

Looking forward to hear from you. Thanks
Complaint sub-issue: Transaction was not authorized

After being a ten plus year customer with Citibank I had discovered that XXXX was owed to me for Fraudulent charges that someone hacked my account with Citibank and over s year was paying a XXXX XXXX credit card and doing other debits under my checking and routing number with my name and information. I filed proof and a police report to show I had no affiliation with these charges. I appealed twice with my proof and Citibank caused me to have financial hardship during the covid 19 pandemic and I feel that I have been discriminated against and have no power to have a honest chance to refute this matter.
Complaint sub-issue: Information belongs to someone else

I RECENTLY RECEIVED A LETTER ABOUT A XXXX  XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I've written Equifax about a collection account ( XXXX XXXX ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. This account should be deleted from my credit reports. It is sole the responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? 
Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. 
XXXX XXXX also stated that they never had a contract with me or original signed document so how can this just be placed on my credit without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditor.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX identify as the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 

Pursuant to 15 U.S.C 1681b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!
Complaint sub-issue: Problem getting your free annual credit report

I just turned XXXX and tried to fill out my XXXX application, but could n't because i do n't know the information about an alleged mortgage, car loan, student loan and credit cards i took out when I was XXXX or XXXX years old- I called the XXXX office and they said I had to take it up with Equifax , which has no working phone number to call. My mom said to fill out the credit report request but I ca n't get it because I have to know where I took out the mortgage and credit cards, etc. I tried to call the equifax customer complaint number but it was out of service. I filled out the form to dispute charges, but since I ca n't get a credit report to have details of the alleged mortgage, etc, I did n't have details of what it is I 'm disputing.
Complaint sub-issue: Account status incorrect

After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from Equifax, XXXX  and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Complaint sub-issue: Problem during payment process

Hi Macy 's Mgr ; I have never being late! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am actually concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
HOW DID YOU ACTUALLY VERIFIED THESE ACCOUNTS BELOW? 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as itlegally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove thatyou have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency Provide the SPECIFIC date reporting that these items will cease Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party?
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 see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Complaint sub-issue: Don't agree with the fees charged

I recently recertified for my income based repayment plan. In the last two years the company has solely been going by my income, because my husband doesn't have student loans, and using my son as an dependent. In the last two years my payment was $ XXXX/month. My new payment after recertification is XXXX, the letter determination was for XX/XX/19. I called today, XX/XX/19, to ask why my payment amount had gone up, I was directed to the IBR department where I was accused of lying on my other applications and that only this application was accurate. When I asked what caused the change I was given no answers and was told my application couldn't be discussed. I'm not sure how I'm supposed to correct an error when I don't know what was wrong. I'm not a loan officer and I wouldn't know what I answered wrong this time. I was told to go back and look at the application. I did it through their website but a copy isn't there. My income hasn't changed since the first application I haven't worked except holiday positions because I stay home with my son. I hate trying to find answers and they choose to be ambiguous and not be helpful. My family can't afford student loans. My first year on the plan their were XXXX people in my household because we were taking care of my husband 's niece and nephew and received survivor benefits for them the second year my son was born and our household size shrank to XXXX because our niece and nephew no longer live with us and it has been that many in our household since. I have never lied on my application and I don't appreciate the associate accusing me of not being truthful on previous applications.
Complaint sub-issue: Information belongs to someone else

for 2 years collection companies have dinged my credit rating for an XXXX  bill of {$1500.00} since XX/XX/XXXX.

every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it.

this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX   did it again, put it into collection on my credit report -- - THIS HAS TO STOP
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and 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 instructions
Complaint sub-issue: Attempted to collect wrong amount

Ive been disputing this debt for years without any resolution. XXXX, My former cellphone provider, reported that I owed them {$1000.00}. Which is a ridiculous sum of money to be owed to a cellphone provider. I dont owe that and never have. And have never been given proof stating what the charges are for. They sent my debt to an agency and put my account into collections where it been for years. I disputed the charges through XXXX, XXXX, and even XXXX XXXX. Ive used a credit repair service to fix this as well. Yet its still on my credit and nothing provided to me justifying the amount. I do not owe {$1000.00} to XXXX. Ive tried calling the collection agency to negotiate a settlement for an amount similar to what I actually did owe XXXX and the employee hung up on me
Complaint sub-issue: No notice of investigation status/result

I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2018 I filed a dispute through credit karma. I can not file another dispute because the site thinks the dispute is not final. 
Tried through XXXX via mail and phone with no results.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Information belongs to someone else

I'm filing a complaint because Equifax because this is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. On XX/XX/2022, I spoke to a representative in the consumer affairs department for hour and 46 minutes and I was promised the account will be removed from my credit report. My Information has been compromised and there has been an account open with XXXX XXXX ( Original Creditor : XXXX XXXX  ) without my authorization. I have contacted original creditor and they have agreed and close out the account because I have no signature on file with them to open in any accounts in my name. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Equifax should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Equifax has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Equifax also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, Equifax did not REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but they gave me the run around and read of scripts to get me off the phone.
Complaint sub-issue: Debt was result of identity theft

My information is was used for some sort of pet bill with XXXX XXXX XXXX that resulted in it going to Collections. I spoke with a representative regarding this account after I received a letter in the mail and called and told them I didn't recognize it she told me she would take care of it for me and apologized for the inconvenience it had caused me dealing with the idenity theft. Ive had an issue with false credit cards and inquiries on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I've attached a copy of my police report and a copy of my FTC  idenity theft report and my valid ID and social security card to verify my identity. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a Bankruptcy with Equifax on XX/XX/2020. They verified and sent me the results within two days. I faxed them my proof their information was not correct. I faxed them my letter from the Bankruptcy court stating they do not verify information with credit bureaus. I also enclosed my results from their third party vendor that verifies Bankruptcy. XXXX deleted the Bankruptcy as unverifiable. Since Equifax gave me my results before they uploaded my proof I know it was not verified. Also I requested a method of verification be sent as prescribed in 611 ( a ) ( 7 ). I have not received it.