Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

A relative of mine received an email from this company ( trueaccord.com ) indicating they were " working with XXXX XXXX '' to resolve a debt. Since this contact was made thru email, several privacy violations occurred including providing my name, personal address, account number ending, date of origination as well as date of default. I have settled this debt already and believe this company is fishing for debt that is no longer valid. I have reached out to this company with no response multiple times and informed that my personal information, including an account number created by trueaccord was provided to someone other than myself. I plan to take legal action if this issue can not be resolved. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, Equifax, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Equifax consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account Number:XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I went to Home Depot website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.
Complaint sub-issue: Account information incorrect

I paid off a HELOC I had with your company over 2 months ago and yet, it is still showing up on my credit report as open, with a balance. Please accurately and correctly report that the account has been paid in full and closed. The account was paid and closed XXXX XXXX. 
I called First Horizon recently and they instructed me to send an email to this address with the following information Full name : XXXX XXXX XXXX. 
Account number : XXXX Social Security # XXXX Mailing Address : XXXX XXXX XXXX. 
XXXX, TN XXXX Dispute : Account has not been updated to credit bureaus since XXXX XXXX. It's been nearly 3 months and the loan has been paid off and closed. Proof of credit report below.
Complaint sub-issue: Didn't receive terms that were advertised

Hi, This complaint is against Citi bank. I opened a checking account and qualified for the promotion bonus. I completed all activities as per the rules of the promotion and now Citi bank is making me wait 30 more days which is was not as per rules. I also received email from Citi confirming that I met all the requirements and promotion bonus of {$400.00} will be deposited in one month. This email was sent to me on XX/XX/XXXX and till today I have not received the bonus money. When I called customer support they are saying I have to wait for 30 more days. Please help resolving this issue.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EQUIFAX is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give EQUIFAX a written notice to report on my behalf. EQUIFAX is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

EQUIFAX is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.
Complaint sub-issue: Didn't receive enough information to verify debt

This debt was report to XXXX. Never received written notification of this debt. Amount due is incorrect. Contacted the company to validate and requested documentation. Was immediately threatened with a lawsuit and wage garnishment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, US BKPT CT XXXX  XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof
Complaint sub-issue: Account information incorrect

I paid off the balance of the following accounts, disputed the balances via XXXX   and XXXX, and the companies refuse to report a XXXX  balance : 1. XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. CitiBank/CBNA/XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. CitiCards/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : Reporting Incorrect Balance to credit bureaus.
Complaint sub-issue: Information belongs to someone else

The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!
Complaint sub-issue: Debt was paid

They are reporting an account they do n't own and it was paid to original creditor ( XXXX ) and they are violating FCRA!
Complaint sub-issue: Other problem getting your report or credit score

Equifax will not release my credit info to XXXX and XXXX XXXX. I pay a monthly fee to XXXX and Equifax is causing me an issue from being able to get all 3 scores. My Equifax credit score and report hasn't been updated since XX/XX/2021.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My husband and I were scammed by an online affiliate marketing company, XXXX ( XXXX XXXX XXXX XXXX ) for over $ 100k. We purchased the top tier affiliate position, which they called XXXX the end of XX/XX/2018, which included over 30 hours of coaching. We were just getting started learning the business in XXXX, when our coach strongly urged us to purchase 100 names with contact information of people who had purchased the entry level ( least expensive ) products from XXXX for {$230.00} each. We were told these would be great leads to launch our business. We made the purchase, charging $ XXXX to our Citibank card and $ XXXX to a XXXX XXXX XXXX card. As we attempted to communicate with the 100 individuals, it became apparent that they were not strong leads, as 13 people requested refunds for the XXXX product they purchased, 10 were reported to XXXX 's support department for fraud or other issues and 29 were uncontactable. And judging from some of the comments from those we did hear from, they did not give XXXX permission to sell their contact information. 

On XX/XX/18, the Federal Trade Commission shut down XXXX 's operations, froze their assets, disabled their websites, and placed gag orders on their employees. They were essentially out of business in the US. With this action by the FTC, the 100 names we had purchased from XXXX XXXX XXXX XXXX ( a  division of XXXX ) were totally worthless to us. There were no products available to promote. We filed claims with both credit card companies. Citibank denied the claim twice. My husband and I are both retired seniors who have been victimized.
Complaint sub-issue: Don't agree with the fees charged

Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX University  XXXX. I never signed an enrollment agreement with XXXX University  XXXX nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX University XXXX. I do not wish to be affiliated with XXXX University XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.
Complaint sub-issue: Their investigation did not fix an error on your report

submitted a dispute describing multiply violation on credit report but yet still XXXX claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.
Complaint sub-issue: Information belongs to someone else

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have made several attempts to delete the following charge off account. Equifax continues to " update '' & resolve my account instead of DELETING it because it contains inaccuracies. The account is claiming to have Past Due Balance, but as you know this is inaccurate which is a violation of my rights so as a result of that this, this account needs to be removed from my reports -- not updated but removed.
Complaint sub-issue: Account information incorrect

My house was impacted by Hurricane Irma. There was damage to roof and interior. The lender, Seterus Inc reached out and offered disaster assistance in the form of a 6 month forebearance. Prior to  accepting the offer I asked several times about how this would impact my credit. I was told that nothing would be reported due to the disaster. During that time I attempted to refinance the property to pay for the repairs. I was unable to get a loan due to the lender not reporting. So I waited until the forebearance plan was to end. Before the end of the 6 month forebearance I contacted Seterus to inquire about the return to payments. I was told that I had options going forward. They told me that if I was to make 3 payments over the next few months that my loan would be adjusted. I made the payments but then Seterus reported me as late 150 days to credit burea. When I called and complained I was told that it would be labeled with a code that showed disaster Irma and this would not hurt credit. My credit score dropped over XXXX points. When I called back I was told that the reporting rules changes. They then allowed me to make 2 months payments ahead and brought my account current and adjusted the loan. However they again reported me as 150 days late. Today it shows as current but due to the negative marks I can not refi my house to make repairs.
Complaint sub-issue: Need information about your loan balance or loan terms

I have ask XXXX XXXX on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response.
Complaint sub-issue: Debt is not mine

This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I lost my credit card and Citibank sent a new replacement with a new account number. 

It is up to ME to decide who is authorized to possess my card number and charge my card, NOT CITIBANK. 

I did not authorize Citibank to provide my new card number ( ending in XXXX ) to any merchants. NOT ONE. 

Yet Citibank unilaterally and without my consent or permission provided the card number to XXXX, XXXX, and god knows who else. 

XXXX  posted an unauthorized charge of {$110.00} to my account on XX/XX/2020. When I attempted to dispute the charge on the Citibank website, it blocked my dispute. 

If Citibank enrolled me in some XXXX  product that distributes my credit card to merchants, they did so without my consent or authorization.
Complaint sub-issue: Problem getting report or credit score

There is grave discrepancy on my Equifax credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Equifax credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Equifax, I need a " credit report number '' from them. However, each attempt to access it through Equifax or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Equifax, there is no reason Equifax itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Equifax, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Equifax without it. 

Thank you.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.