Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to XXXX  and To Whom It XXXX  Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days. 
There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file. 

I have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.
Complaint sub-issue: Charged too much interest

I have a Home Depot Consumer Credit card. I had a promotional balance with terms of 12 months no interest if paid in 12 months. The original transaction amount was {$450.00}. I did not payoff the purchase in the 12 months and the promotion expired. I received my statement the next month and it shows the interest charge calculation. Home Depot calculated the interest for this purchase on a {$500.00} instead of {$450.00}. I called Home Depot customer service on XX/XX/18 for explanation as to why my interest was not calculated daily off of the actual transaction amount and how was this increased difference calculated for my original transaction amount. After 30 minutes and holding while the contact spoke to her supervisor I was told that's just how we do it because of averages. I could tell the contact was unable to explain their calculations. I have no issues in understanding my deferred interest was accruing within that 12 month period. I do have an issue that the interest was accruing off a dollar amount higher than what I paid at the store.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX and # 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: Trouble with how payments are being handled

On XX/XX/2019, I paid $XXXX on my student loan. This payment was made manually by phone because I changed my repayment due date. The representative of AES advised me to pay manually because my Direct Debit would not be applied. However, on XX/XX/2019, an unauthorized withdrawal of $XXXX was taken out of my checking account by Direct Debit. This wrongful transaction has caused undue financial hardship. I am disputing the period of time that I was told by representative on XXXX XXXX it would take (30) days to receive a refund. My account was wrongfully debited. My rights to disallow me my refund sooner is totally unjustified. Please investigate this matter in order for me to receive speedy resolution to this situation. I am in a dire financial crisis and need replacement of my funds as soon as possible.At first, I was going to resolve the problem by allowing the payment to be applied to the month of XXXX payment but recanted my decision to do it that way.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting an account on my credit report that is based on identity theft and Equifax is not actively investigating the matter at hand
Complaint sub-issue: Billing problem

I have been trying to obtain a full payment transaction history for my car loan at PNC Bank since Monday XX/XX/XXXX. I have an online account, and the full payment history is never displayed. On Monday, XX/XX/XXXX, there were only XXXXwo payment transactions displayed. I called them and notified them that I need the full payment transaction history to send to My GAP Insurance Company for my claim on the total loss of my car, which would pay off the car loan that I owe to PNC Bank. The customer service representative said that she would send my full history by mail. I did not receive it. 
When I looked back online on Monday, XX/XX/XXXX there was a partial payment history for one year on my auto loan. I called again, on Monday, XX/XX/XXXX, and explained to them that I had not received my full payment history by postal mail, and that only a partial history was shown online. Again, the customer representative said that she would send the full payment history by mail. I have not received a full history online or by postal mail as of XX/XX/XXXX. 
I called again on Saturday, XXXX, XXXX, XXXX, and asked them why they would not show my full payment history online or send my full payment history by mail. The representative transferred me, and there was no response afterwards. PNC has never shown a full payment history online for my account, and removes the payments from my account online. 
In addition, my Car Insurance company had to send them a check for the actual cash value of my car twice because they had the check for almost a month, and the check was not cashed. The first check was sent on XX/XX/XXXX. I thought my car insurance company sent it to the wrong address, because the payment had not been posted to my account. I then had my insurance company three-way call PNC Bank to verify that the address was correct. It was correct. I explained to them that they keep calling and emailing me about the payment, but that my insurance company had already sent them the check. PNC had not cashed the check which had been in their possession for almost a month. My insurance Car Insurance company had to stop payment on the check sent XX/XX/XXXX, and reissue another check on XX/XX/XXXX, which was finally posted on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$810.00} 5. XXXX, XXXX {$170.00}
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK 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 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: Personal information incorrect

Equifax has my name misspelled. I submitted a dispute and the documentation they required through their online dispute center on XX/XX/2021. I received a confirmation email that advised me I would be notified in approximately 30 days when the results of the dispute were available, which is also stated on their website and in their online delivery agreement the consumer must consent to in order to proceed with the dispute. 

Having checked their online dispute center today, I see that my dispute was marked closed the same day it was opened, XX/XX/2021. Equifax has not corrected the error and did not notify me that the investigation was closed. 

It's worth noting that I had tried fixing this error by phone once previously and was directed to their online dispute center.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on Equifax and XXXX dropped drastically. Equifax dropped 74 points from XXXX down to XXXX and XXXX dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, Equifax raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
Complaint sub-issue: Debt was result of identity theft

Account Name : DISCOVER FIN SVCS LLC Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. Its not mine
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account status

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Account information incorrect

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that XXXX of my accounts are not reporting to my credit file at all. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are not updating or showing on my credit report, They are not showing on my XXXX XXXX, XXXX or Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # 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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Complaint sub-issue: Unable to open an account

I attempted to set up a checking and savings account on line and was directed to a local branch to complete the process. The branch manager told me that they couldnt establish the accounts because of some derogatory information about me in some system they use. She mentioned XXXX XXXX and XXXX XXXX XXXX. She further mentioned that on XX/XX/XXXX they were instructed to delete that information but refuse to do so. I asked for specifics and was told that could not be provided. I then called the 800 number and was told by them that I was declined because I have a fraud alert I placed on my SSN. This was never mentioned in the branch.
Complaint sub-issue: Reporting company used your report improperly

I have requested that pnc bank send me all documents pertaining to a car I had with them. I sent multiple letters, made multiple calls, and even faxed over a request to a department that never confirmed if they received my personal information because I cant call or speak to anyone from that department. This gas been very frustrating trying to get all the documents and information I have requested from them.
Complaint sub-issue: Their investigation did not fix an error on your report

I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per FCRA 611.

These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. 

Please stop reporting my account the loan was refunded and they have documents. 
Please I am begging that this stop.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2022, I received a threatening call from ERC a debt collection agency for AT & T, I told them I never had an account with either XXXX of them. Caller on the phone started screaming and yelling over the phone, told me to do what I have to do. If I didnt pay them theyll make sure it will damage my credit, I disputed this transaction. And now filing a formal complaint
Complaint sub-issue: Information belongs to someone else

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND 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 Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2019
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 120 days late as of XXXX & XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. This is only on XXXX, other bureaus dont report this.