Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

The only reason I found out about this error is because I applied for a mortgage and the mortgage lender said I had to wait another 1.5 years for the judgment to be 2 years old on credit. This inaccurate information has caused me to not get approved and possibly losing my {$4000.00} in earnest money. 

I applied for credit with the mortgage lender and they pulled factual data and then used LexisNexis Risk Solutions to check public data and judgments. The 3 credit bureaus no longer report judgments but LexisNexis does, this is how I was able to see it was on my record and reported incorrectly. 

I went to court in XX/XX/XXXX on a XXXX account that was charged off in XXXX. Before the 7 years was up, XXXX XXXX sold the account to XXXX XXXX XXXX and They got a local attorney to take me to court on an account they charged off meaning they wrote the debit off on taxes then collected for the debit they wrote off. 

When I went to court, I immediately agreed to settle the account for less than half of what was owed. The attorney XXXX XXXX should have immediately sent the release or satisfaction of judgment which would have been dated for XXXX but instead, according to the court house, they sent the release XXXX of XXXX. This caused the satisfied judgment to appear as it was satisfied in XXXX XXXX instead of XX/XX/XXXX. Mortgage lenders require judgments to be satisfied for 24 months which has caused me harm due to the miss reporting from all parties involved. 

Not only was the judgment released 5 years later by XXXX XXXX, but was reported inaccurately to LexisNexis on an unpaid creditor debit that was charged off 7-11 years ago.
Complaint sub-issue: Information belongs to someone else

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}
Complaint sub-issue: Debt is not yours

I 've never had an with this company AfNI.No one from this company has ever contacted me or phone or mail. I do not owe this debt.
Complaint sub-issue: Frequent or repeated calls

In XXXX, I contacted Sears regrading my situation and told them that we got affected by hurricane Harvey and would like to see if they can assistance us in any way or shape. I told them that we are living in FEMA assisted hotel and my employment got affected by hurricane Harvey, so the customer representative at the time told me that he will try to help us. Upon checking in their system they told me that they have Fema program going on with which I wont have to worry about my both Credit Card payments until XXXX and I can start my payments at the somewhere around at the end of XXXX XXXX and that 's what I have been told couple of time. Then recently, I got call from Citi bank and the customer representative told me that my accounts have been past due from 60 days in which I informed him about our previous conversation that I have with several customer Representative. So he told me that the program was for only two months which I was n't informed about and ; So I try to justified my point tell him that I was informed about about the program was till XXXX XXXX and I can start my payment around end of XXXX XXXX so he told me that he was sorry about the misinformation. So I dont think that several Representative giving misinformation and still reporting it to my credit bureau. I still receive consistent calls about my payments.
Complaint sub-issue: Reporting company used your report improperly

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT one time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME 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 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 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 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 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 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I attempted to Register with Credit Karma via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized Credit Karma in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with XXXX, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of XXXX when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas XXXX has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with Equifax on XX/XX/XXXX, was emailed to say the results were complete and available to view online. Attempted to view results and was unable to do so. I called the company requesting a copy be sent to my residence. I was told it would arrive in 7-10 days. I didn't receive it. I called them again after the 10th business day and told them I haven't received it. I requested a second copy and the same thing happened. I called again and stated that this is an issue with me receiving this document if there's is something else that can be done. They said no and I'm out of luck. I need the document for proof of my records and they refuse to provide it.
Complaint sub-issue: Unable to open an account

I had a account with us bank in   XXXX   that went to collections and I paid it off through   XXXX    XXXX   debt collectors and they never showed that the debt was paid off and so now I am an able to prove to  US B ank that I had paid the previous debt
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}
Complaint sub-issue: Information belongs to someone else

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. FTC HAS BEEN FILED
Complaint sub-issue: Their investigation did not fix an error on your report

My car got was in an accident and was destroyed. XXXX  sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX  and Equifax and am getting nowhere. Please see attached documents.
Complaint sub-issue: Account information incorrect

For whom this concern, I have been really pissed the XXXX off to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the Cornell site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the hell off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.
Complaint sub-issue: Information belongs to someone else

This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful
Complaint sub-issue: Account status incorrect

After reviewing my credit report I am upset that the listed items on my letters are still reported inaccurately despite I have already informed you that they are erroneous and its impacting my credit score.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
Complaint sub-issue: Frequent or repeated calls

My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.
Complaint sub-issue: Their investigation did not fix an error on your report

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and XXXX XXXX has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX   confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Complaint sub-issue: Debt was paid

This company states I owe a debt to them. I have no knowledge of any debt owed to them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   VA  XXXX  #  XXXX  dob  XX/XX/1962     XXXX , Equifax and  XXXX  will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Complaint sub-issue: Information belongs to someone else

A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I disputed an Inquiry on my credit report. That day was a Saturday but the dispute investigation was completed within hours. Knowing it was almost impossible for a thorough investigation to had been done, I submitted another dispute the next day which was a Sunday. This time my dispute was investigated and I was notified within hours. The inquiry was placed on my credit report by XXXX XXXX. I think its impossible for Equifax to have gotten proof two times within two days days from XXXX XXXX. If a proper investigation would have been done, XXXX XXXX wouldnt have been able to produce anything evidence showing that I attempted to obtain credit from their company. I dont shop in their stores so its ridiculous that I would want a store card from them.
Complaint sub-issue: Trouble getting, activating, or registering a card

I have called several times to get my US Bank Reliacard activated and the company will not activate my card. They asked me to upload a picture of my drivers license and a selfie of me at verify.usbank.com/retail and I did that. I called and waited on hold for hours and the representative said they can't help me. There is nothing they can do. The card is locked and she didn't know how to help. I asked to speak to a supervisor. The supervisor said she couldn't see any of my information and we had to upload the drivers license and picture ( selfie ) again and wait another 7 to 10 business days. I have called at least 20 times to US Bank Reliacard to get a new card and activate it. I finally received the card months later and now I can't activate the card and they keep saying they can't help me. What am I supposed to do? I need to pay my bills! Thank you for your assistance  in this matter. The customer service phone number that I have been  calling is XXXX or I have also been trying to activate the card using the website listed on my mail. www.usbankreliacard.com
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Complaint is against my mortgage servicer XXXX XXXX. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to COVID-19, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting  for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD  and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last 6 weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.
Complaint sub-issue: Information belongs to someone else

Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX