Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is for Equifax, XXXX and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on Equifax website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Complaint sub-issue: Problem getting your free annual credit report

I try to sign up for an account with sites like credit karma, XXXX XXXX, etc. To check my credit score, but everytime the same thing happens with all of them. There's a problem using my SSN to sign up. I haven't signed up to check my score before, and I called the Social Security office, and there is nothing wrong with my SSN. What do I do?
Complaint sub-issue: Problem during payment process

I made a payment with a cashiers check that cleared through the bank on XX/XX/24 for XXXX. As of today, Citi has not credited my account. I called in a missing payment dispute on XXXX and received a response on XXXX that a {$47.00} payment had been credited- evidentially the call center person I spoke with entered the wrong amount somehow. I called back and had to start a new dispute, and the individual told me it would be 45-60 days to resolve.
Complaint sub-issue: Public record information inaccurate

In XX/XX/XXXX, a forbearance request was made and approved by Loancare LLC for 2 XXXX XXXX backed mortgages. In XX/XX/XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; Loancare LLC then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted Loancare LLC several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, Equifax and XXXX, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those accounts.
Complaint sub-issue: Old information reappears or never goes away

This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.
Complaint sub-issue: Information belongs to someone else

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at Equifax on XX/XX/XXXX about the unauthorized account and inquires that appears on my credit report I request the following account to be blocked, delete and removed off my Equifax credit report account : " XXXX  XXXX  '' Open Date XX/XX/XXXX Amount {$380.00} Account XXXX, Inquiries " XXXX  Date XX/XX/XXXX '', and " XXXX XXXX-XXXX  Date XX/XX/XXXX " .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be blocked and removed immediately from my Equifax credit report due to my identity been stolen.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, XXXX, and Equifax has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Equifax, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.
Complaint sub-issue: Their investigation did not fix an error on your report

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within XXXX business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

Equifax has information to verified my identity incorrect. The information is incorrect when I try to dispute inaccurate information on my Equifax online account to verify me my identity. Equifax is also is reporting incorrect information to XXXX  XXXX XXXX XXXX as well. When I try to obtain my annual credit report I can not access my report because the information is wrong regarding me. I can not access my credit report because none of the verification questions belongs or pertains to me at all. I have include with this complaint a list of Equifax verification questions for me to access or dispute my credit report, and not one of the questions are related to me at all. I have contacted Equifax several time over the past 8 months to resolve this issue, and these issues are still not resolved reporting incorrect information verify my Identity. I have sent Equifax my ID, social security card, and mail of my bills that show my mailing address, and the information is still incorrect. This has caused me problems with obtaining credit cards and so forth. There is also a company XXXX XXXX XXXX for {$120.00} delinquent bill that is also not my account as well. 

I will also provide documents of my decease wife who also has incorrect information being reported by Equifax that do not and never belonged to my decease wife when she was alive. This again is being reported by Equifax as well. In the documents I will provide none of the verification questions belongs to her as well. My wife has been deceased since 2004.
Complaint sub-issue: Trouble with how payments are handled

Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated
Complaint sub-issue: Attempted to collect wrong amount

To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, TransUnion and Experian CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York XXXX Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Complaint sub-issue: Information belongs to someone else

I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXXXXXX XXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.
Complaint sub-issue: Their investigation did not fix an error on your report

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.

Account XXXX XXXX, Account XXXX XXXX, Account XXXX 15 USC 1681 section 602 A states that 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 instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXXXXXX XXXX XXXXXXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Debt is not yours

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) (  B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) IC Systems, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 )  ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Complaint sub-issue: Information is not mine

EQUIFAX HAS DAMAGED MY CREDIT REPORT AND SCORES BEYOND REPAIR! SEVERAL SPLIT OR ORPHANED FILES ALONG WITH FRAUDULENT ADDESSES ETC..
Complaint sub-issue: No notice of investigation status/result

Equifax has failed to give me Verifiable proof of the accounts listed in their report.
Complaint sub-issue: Problem with personal statement of dispute

I had fraudulent charges on a XXXX  credit card that I disputed with XXXX and they verbally agreed to reverse and then I closed the account because I had been trying to close unused cards I'd opened in the past in general, which they verbally said was no big deal. We had already paid for the charges with our autopay and so we also initiated a reverse of the charge from our banks side. 

Despite the verbal assurance from XXXX that the fraudulent charges were reversed, that wasn't true and I found out later that the autopay reversal we initiated triggered something internally for them. 

This is all over {$92.00}. Which I ended up paying, even though they are fraudulent, just because I have XXXX young kids and don't have the bandwidth to track something like this. 

Fast forward a few weeks and we are buying a new car and I get denied for one of the lenders because of {$92.00} THAT I ALREADY PAID EVEN THOUGH IT WAS FRAUDULENT. 

And I'm here now submitting this complaint because I disputed with all 3 credit agencies and my disputes have been denied. 

I paid the {$92.00}!!! And now my score is sub-XXXX for the first time since college probably for this stupidity. 

I will take XXXX to court if I can because this incenses me.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I been trying to dispute two accounts from enhance company 1. XXXX is a 9 year old account and shows on my XXXX  account 2. XXXX  was not even opened more then a month.

3. There customer service is the worse and never able to help me. I beem dealing with them almos a month
Complaint sub-issue: Debt is not mine

Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message. 

On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me. 

I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information. 

The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX. 

XXXX noted that he saw my locations in his database were XXXX and XXXX. 

I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree. 

In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX. 

Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional way.
Complaint sub-issue: Was not notified of investigation status or results

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Complaint sub-issue: You never received your bill or did not know a payment was due

- I was going through my credit report and noticed that an account ( XXXX XXXX XXXX  Act. # XXXX ) that I closed, it's reporting that I was market on my credit report as I was late from 30-120 days. I made the payment on-time as required by the company but never received the bill that I was paste due. Than you!
Complaint sub-issue: Can't temporarily postpone payments

I am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with me.
Complaint sub-issue: Debt is not mine

I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months. 
This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2018 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.