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

While reviewing my Equifax credit report on Sunday, XX/XX/XXXX I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : Equifax XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX   balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Please be advised that this is my SECOND WRITTEN REQUEST asking USDOE/XXXX  to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

USDOE/XXXX  # XXXX opened XX/XX/2010 balance {$0.00} PREVIOUSLY DISPUTED DUE TO TRANSFER. PLEASE REMOVE AS IT IS NEGATIVELY IMPACTING MY REPORT. THERE ARE TWO USDOE/XXXX  ACCOUNTS WHEN THERE SHOULD ONLY BE THE CURRENT ACCOUNT. PLEASE REMOVE ACCOUNT
Complaint sub-issue: Information belongs to someone else

I've previously disputed that this Bankruptcy account from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.
Complaint sub-issue: Personal information

My Equifax report said I lived in XXXX XXXX. XXXX. I have lived in XXXX. for over 40 years. When I wanted to open a XXXX account I was denied because I answered questions about living in XXXX. wrong. I have never lived there. Tried to call Equifax and could not talk to someone.
Complaint sub-issue: Debt is not mine

Alliance one is continuing to report XXXX different collections that do not belong to me. They continue to ruin my credit. I have continued to dispute the accounts with the credit bureau and they come off but yet Alliance One continues to re report. The accounts are reporting without a social attached to it. There are several XXXX in this household and Alliance one continues to report the account without personal information just name and address. This complaint should serve to alliance one as a debt validation letter and I am requesting the following documents. 

*Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect*Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor*Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes*Provide a copy of an original executed contract that contains my signature, where I agreed to this debt and my personal information where it shows it belongs to me. 

I have sent Alliance Onel several letters certified mail that I have proof for and they continue to ignore my request
Complaint sub-issue: Account status

I had an unauthorized charge made to my XXXX credit card by XXXX for a service we had discontinued last year. My credit card had a balance of zero, at least that is what I believed because I had the card stored in a safe. Today, I receive a call from XXXX saying I need to pay my card..and I said it has a zero balance!!! They say NO, a charge was made in XX/XX/2016 for {$280.00} and I have not made a single payment since the charge. I called XXXX and read them the riot act and they are reversing the charge as we speak. In the meantime, being unaware of this charge, I am being penalized on my Equifax credit report for an unauthorized charge I was not aware of existed. Please purge this from my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Complaint sub-issue: Account information incorrect

There are 9 hard inquiries on my credit report that is reporting negative and inaccurate information and I have disputed the information with the credit bureaus several times and they have said that the information has been verified. One credit bureau had deleted all of these hard inquires because the creditors could not provide verifiable proof or documentation that these hardinquires belongs on my credit report. So, if all information reported to each bureau should be uniformed and consistent, I dont see how each of you can be reporting something entirely different on the same issues. I am now asking you to provide me the documentation of how your credit bureau verified these hard inquiries on my credit report. If you can not provide these documentation you must delete these items from my credit report immediately. I expect your credit reporting bureau to follow the law that speak to this issue.
Complaint sub-issue: Problem with fraud alerts

Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX credit file.
Complaint sub-issue: Information belongs to someone else

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized  inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Complaint sub-issue: Talked to a third-party about your debt

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.
Complaint sub-issue: Information belongs to someone else

These arent not mine. They are fraudulent. Please remove as soon as possible. 

-- -- -EQUIFAX XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019
Complaint sub-issue: Other problem getting your report or credit score

I feel my reported credit score is incorrect. My complaint is with Equifax. Equifax provides credit scores to XXXX. Two months ago, XX/XX/2018, my credit score was XXXX. In late XX/XX/XXXX the score was reduced to XXXX. I called Equifax to question why my score was reduced. I was told it was reduced because I did not have multiple types of credit. I was told I need a montage payment or a personal loan. 

I find this absolutely ridiculous. I have not had a mortgage in over 10 years. I am retired and I have paid off all of my debts. I have had the same credit card for over 30 years, and I always pay the balance each month. 

I informed Equifax, they needed to change their method of calculating credit scores. This is very unfair to penalize citizens for managing their finances and paying off their debt. 

Again, there is nothing negative on my credit, all of my bills are paid off monthly. I have had this outstanding payment history for over 30 years. I need some one to tell me why my credit is simply good and not excellent. Forcing an individual to get into debt to get an excellent rating is wrong and very unfair.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX  are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on  duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.
Complaint sub-issue: Debt is not mine

I owed XXXX medical bills in the amount of {$94.00} each for my XXXX sons in XX/XX/XXXX. My sons had medicaid at the time of service. The hospital submitted the bills to medicaid for billing. The hospital claims there was a billing error and they were billed incorrectly. I NEVER received notification of this nor did I receive notice when it was taken over by a debt collector. When I pulled my credit XX/XX/XXXX I saw they were now on my credit. I disputed them. They took it off of XXXX of my credit reports but not XXXX other. I called them directly, L.J. Ross and Associates, and they were absolutely rude. Told me too bad, if I had insurance that I would have to pay them myself now because I had over a year to take care of it. I contacted my caseworker at DHS and filed appeals to get it paid, I contacted Medicaid and filed a complaint to get it paid. Finally I called L.J. Ross personally and tried to pay it myself and they told me I could n't because I had disputed it. So now these bills are stuck on my credit and I can do NOTHING about it??? How is that fair? Also, I finally got a call from Medicaid and they indicated that, because it was a billing error, I AM NOT LIABLE FOR THESE DEBTS. I requested that in writing. I then faxed the letter to L.J. Ross and later called to follow up. The lady I talked to kept interrupting me and telling me she already knew what I wanted ...? Her name was XXXX and she was very rude and agressive. She told me that until the hospital told them it was paid they do n't have to take it off my credit whether I 'm liable or not. I asked her how this was legal and she told me it was because I had plenty of time to dipute it ... which I did and it solved nothing. 

My point is how can something I am not liable for be reported to my credit? How is the hospital 's error now my fault? Why does the collection agency, L.J. Ross and Associates, not have a duty to remove items that are reported incorrectly?
Complaint sub-issue: Their investigation did not fix an error on your report

My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.
Complaint sub-issue: Trouble with how payments are being handled

In the process of bringing my student loans out of default and into repayment- After rehabilitating my loans- It was transferred to XXXX XXXX XXXX ( in PA ). I received a letter DATED XX/XX/XXXX that stated " for the next 3 months, your payment will remain the same as it was during your rehabilitation '' when I attempted to pay my XX/XX/XXXX payment ( 3rd month ), it increased by 700 %. 
The ambiguous letter should be a violation of the Fair Lending Act ( ECOA ), and should CLEARLY state when the the " period '' starts and ends. 

I called customer service on XX/XX/XXXX spent 1 hour and 47 minutes on the phone with XXXX, XXXX and XXXX with over 20-25 minutes on hold, if not more. 
I was told that the letter was a generic letter and that my payment schedule with XXXX XXXX XXXX BEGAN in XX/XX/XXXX, not XX/XX/XXXX and there was nothing they could do about the payment. ECOA I submitted an income based repayment plan and received an email that they would get back to me in a month. I submitted a request to change the date of my payment, that takes 10 days to review ( was not given an option to choose a date to begin with ). 
It is hard for me to believe that a Income Driven Repayment schedule should take this long. ( XXXX  processed my significant others in days ). 

The last issue I have with XXXX XXXX XXXX is the manner of payment. They require you to give your routing number and ACCOUNT number and will not let you pay by debit card or other payment type. As someone who works in the financial industry, I advise all customers NOT to give ANYONE your checking account number. 
This needs to be addressed! 

In summary XXXX XXXX XXXX should be investigated in their policies and practices.
Complaint sub-issue: Trouble getting a working replacement card

DUE TO COVID-19 VIRUS OUTBREAK, I WAS LAID OFF FROM MY JOB. I APPLIED FOR UNEMPLOYMENT BENEFITS AND SELECTED US BANK RELIA CARD  VISA FOR UNEMPLOYMENT BENEFITS TO DEPOSIT THERE. SO I SELECTED DEBIT CARD THINKING THAT A NEW ONE WILL COME, AND RELIACARD VISA FROM 8 YEARS AGO WAS STILL ON FILE. SO I TRIED TO CALLED U.S BANK RELIACARD FOR ALMOST 1 MONTH AND HALF NO STAFF ANSWERS WAITED ON THE PHONE FOR 3 HOURS BEEN CALLING EVERYDAY NO MATTER WHAT TIME IT IS THEY DON'T ANSWER. I CALLED MN UNEMPLOYMENT OFFICE THEY TOLD ME I HAVE TO CALL AND REPORT THE CARD LOST OR STOLEN HOWEVER, I DON'T EVEN HAVE THE NUMBER OF THE DEBIT CARD TO DEACTIVATE IT. I DO'T UNDERSTAND WHY I CAN NOT GET A REPRESENTATIVE ON THE PHONE. WEEKS HAVE GONE BY AND I AM UNABLE TO RECEIVE MY UNEMPLOYMENT BENEFITS. THE US BANK RELIACARD TOLL FREE NUMBER XXXX. I'M JUST TRYING TO INFORM THEM THIS CARD NEEDS TO BE DEACTIVATED AND FOR THEM TO SEND A NEW ONE SO I CAN RECEIVE MY BENEFITS. US BANK RELIACARD MNUNEMP.
Complaint sub-issue: Old information reappears or never goes away

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my experian boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Complaint sub-issue: Reporting company used your report improperly

Equifax was responsible for protecting my data and failed to do so.
Complaint sub-issue: Account status incorrect

when I was XXXX  years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022, CITIBANK FRAUD DEPARTMENT Texted me that multiple Fraudulent Charges were put on my credit card, a card that I had not used for 6 months. I immediately called them & they said they would be fixed. Not all charges were taken off & they are trying to Charge me over XXXX & interest & fees for some of the Fraudulent Charges. I HAD NOT USED THIS CARD FOR over 6 months, I should have a XXXX balance! Many representatives said this would be fixed within 7-10 days. 

XX/XX/XXXX XXXX XXXX XXXX. XXXX said they had decided to CHARGE ME FOR THE FRAUDULENT CHARGES! Totally Frustrated here that they are trying to charge me now after so many said that this FRAUD was fixed already
Complaint sub-issue: Problem accessing account

I wrote to bank to ask if an old account was still open. Bank will not respond.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Sallie Mae calls us ( me and my cosigners/parents ) numerous times if we are late on a payment. With climbing outrageous interest, I owe Sallie Mae {$120000.00}. After graduating with a XXXX  's, I was unable to get a job with my degree so I had to settle for a {$9.00} hourly wage job as a XXXX XXXX. Knowing my payments were coming up, I called Sallie Mae in XXXX, 2019 and postponed my loans until XXXX, 2019. I eventually got a better job making {$13.00} hourly as a XXXX XXXX ( still not with degree ) and called them again in XXXX to try and negotiate my monthly bill as they were asking for {$1800.00} a month. I don't even make that amount monthly. They told me to wait until my bill was past due so that my account would be " active '' and then I could pay back my bills " based on income ''. I did as they said and called them a few days after my bill was late. I talked to collections at Sallie Mae and they told me that they didn't have an option to pay back my loans on an income-based plan ( even after they told me they did ). They said they could only have me  pay off interest which was still too much for me. It finally got to the point where they had to interview my cosigners and myself and ask us what our income was individually along with our monthly bills. We begged the collections lady to help us as my mom was in the hospital and out of work, and my dad was retiring in 2 days. My mom was relying on XXXX for income and my dad was about to take a drastic cut in his income from retirement. The collections lady told us she could only lower my payment to {$800.00} a month which is over half my monthly income. About 60 % of my monthly income. I can barely afford to survive, espcially with other student loans and bills I have to pay. They harrassed us and told us that we could file for bankruptcy. They didn't care that my mom nearly died, or that my dad ( who was diagnosed with possible XXXX XXXX a month prior which is why he was retiring ) had retired and didn't have enough income. We are still scrambling to make payments. My dad can't even pay his own bills right now. Now that I've been paying {$800.00} a month, it says I'm passed due and must pay {$2000.00} even though I have been prompt on my payments since they threatened to kick us out of the {$800.00} program.
Complaint sub-issue: Account information incorrect

15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.