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

I have contacted all 3 bureaus- XXXX  , Equifax , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for Equifax and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to Equifax and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!
Complaint sub-issue: Having problems with customer service

I am the co-signer on my daughters  Sallie Mae loans. M y daughter stopped making her payment in   XXXX   XXXX   XXXX    . Her loan is currently in default. Since that time I have had several phone conversations with representatives a t Sallie Mae abou t the situation. My daughter has been out of communication with me for over 2 years. I do not know about her work situation or how to contact her. I have provide  Sallie Mae the most current information I h ave on her. In   XXXX   I was told by a  Sallie Mae supervisor that they would use the resources at their disposal to connect with her. I explained that   I could not pay what they were asking as I am already paying another private Student Loan of hers which is {$720.00} per month. I ca n't afford anything more. They needed to find her and figure this out with her. In   XXXX   I spoke with  Sallie Mae agai n and provided an address and phone number for a he place of employment based on her LinkedIn profile. In   XXXX   when I spoke with  Sallie Mae aga in they informed me that they had not tried to find or reach out to her but needed me to pay. I do not understand why with the resources at their disposal they have no accountability to track her down and fit out what her ability to pay is? I was very disappointed that they did nothing with the information I provided them to find her and provided no solution for me. Since this is a  Federal lo an do n't they have an obligation to at the very least provide solutions for the borrow and to do that need to find a way to be in communication with her? It does n't appear to me that they are doing the jobs they are being paid to do. Instead they call me constantly at work, home and on my cell and offer nothing.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Account Name : Unknow Account No : XXXX Account Balance : {$450.00} Also Showing duplicated XXXX times on credit file. 

Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

CASHCALL IS REPORTING AN ERRONEOUS ACCCOUNT ON MY CREDIT REPORT. When I requested validation of this account they provided a contract that had NO signature of mine and could not prove the ownership of this account. This is NOT my account I never applied or received money from Cashcall especailly for a loan at {$310.00} ...
Complaint sub-issue: Other problem

I had an unexpected electrical bill for a rental property in the amount of {$1700.00}. CitiBank offered a flex pay arrangement for that so I signed up for it. They only gave me {$1100.00} for the flex pay. Leaving {$600.00} outstanding. I have outstanding credit - FICO of XXXX. I always pay my balance off fully, have never been late. There is over 10k credit available on that card and {$35000.00} on a different card with them so it seems they have refused me credit without cause. I chatted with an agent who said it was a computer program that decides the amount flex will loan. I asked to speak to a supervisor and there was no chat available so only a phone number ( I am very hard of hearing and it is not easy for me to do business on the phone. ). I tried but the agent did not know how the credit decisions were made. I asked to speak to that supervisor and was disconnected. 

I also asked how the flex payment would affect my automatic payment for the full balance and did not get a good answer. Seems the staff are not trained on this flex product.
Complaint sub-issue: Can't decrease my monthly payments

My loan is an XXXX loan. I was just told for the first time today XXXX/XXXX/16 that there is a guarantor XXXX that is keeping me from being able to do a cash modification because my income has been greatly reduced and I am currently on short term XXXX and I 'm not sure when/if I will be released to go back to work. I was shocked of this news and very upset that I had never been told of the guarantor b/c I have tried to get lower payments in the past and was turned down. I do not want these to go into default I 've exhausted all avenues and talked with many reps from Mohela all of my loans total XXXX monthly that 's for XXXX XXXX Loans and XXXX Cash loans. There was also a change on my credit report showing XXXX Mohela accounts were added and XXXX were removed which looks sketchy and of course nobody could tell me anything about. I can upload screen shots of it if needed for explanation.
Complaint sub-issue: Account status incorrect

You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness. 

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy. 

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to these negative and inaccurate information to appear on MY credit / consumer report. 

XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 2021
Complaint sub-issue: Debt is not yours

The company called from XXXX, stating that I owed around 1200 in a loan from Instaloan that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {$500.00} deposited into a XXXX account that I never had. I called Instaloan and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from Instalaon and now people are scamming the public.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted XXXX XXXX XXXX regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a XXXX XXXX from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my XXXX XXXX has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because XXXX XXXX failed to respond and update inaccurate data. 

Equifax has failed to removed the inaccurate data or get a response from the XXXX XXXX even though my credit reports proves that this information incorrect. I have tried calling the XXXX XXXX customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.
Complaint sub-issue: Problem with fees

So Best Buy credit card with My Debt protection they have charged me since 2005 plus to crazy fees if you do n't pay within the promotion I have tried with them they sent me All Forms After I reported it First Time to Say so se I have had 9 yes 9 XXXX sinse they charged Me For a service I never wanted and charging me crazy fees they said maybe I qualify for them re relieve my debt and then they also stated I never called Them witch to me Is sp Upsetting I 've had to struggle a lot of the years being XXXX have my XXXX XXXX and having it be a XXXX I called bestbuy cuz I had all Of XXXX in my bank and I saw my statement for my Credit Line that was only XXXX was at XXXX and oh ya I have n't got anything from there for so long so I well recovering called them and they said if I could pay XXXX they could take anyway all fees and then they said they make a note of it that we talked cuz I did n't have XXXX and I was n't working and I did n't know I was being charged for. Service that should have been offered to help me but instead they said I did n't call and it 's my fault I 'm so upset how can you fix this stuff is a company is able to take an XXXX year old give you a line of Credit charge you a service you did n't ask for them add crazy feeez on top Of your bill but yet you do n't use the charge and you somehow went over your credit it 's just insane
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2022 I tried to withdraw {$500.00} in cash from a XXXX XXXX XXXX in XXXX, WI on XXXX XXXX XXXX XXXX the transaction was approved but never disbursed my funds. I have filed multiple disputes and no response from cash app. Ive contacted the atm provider at ( XXXX ) XXXX and spoke with a XXXX who states the funds were sent back to cash app. I need help because cash app is refusing to follow protocol and it has been over 10 business days
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 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 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: Account status

I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Complaint sub-issue: Problem with fees

I purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. 

In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). 

From my perspective, the card was active upon purchase " i.e. activated at register ''. 
Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. 

I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. 

In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. 

On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.
Complaint sub-issue: Their investigation did not fix an error on your report

I have initiated a correction with XXXX, Equifax and XXXX regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Used obscene, profane, or other abusive language

This duplicate complaint identified as XXXX ' is per request from " CFPB '' representative XXXX whom I communicated with via voice contact at XXXXEST XXXX. XXXX explained that without requesting me to file two duplicate complaints it would be impossible to send the original to " Equifax '' and " XXXX '' additionally. Please know this filing is solely for the above mentioned matter and specifically addressed to " Equifax ''. 
XXXX XXXX XXXX -- -- -- -- -- -- -- -- - To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX  XXXX XXXX XXXX  '', " XXXX XXXX  '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " XXXX XXXX XXXX '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " Equifax '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XXXX. XXXX, XXXX  @ XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX XXXX to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.