Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a XXXX party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Complaint sub-issue: Debt was paid

Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.
Complaint sub-issue: Account information incorrect

Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, Equifax, and XXXX XXXX and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.
Complaint sub-issue: Problem with customer service

The Department of Education process for Public Service Loan Forgiveness has been obtuse and frustrating. I have more than XXXX years of payments but XXXX months were paid to the XXXX XXXX XXXX XXXX. I have the email receipts of these payments as well as the records from my loan servicer, but these payments have not been counted under the PSLF waiver by XXXX XXXX, my current servicer. 

I filed my employment certification form in XX/XX/XXXX, followed by subsequent forms in XXXX, XXXX and XXXX of XXXX. My payment counts still do not reflect my full history.
Complaint sub-issue: Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I was 90 days past due on my student loans back in XXXX because I went to XXXX. I have contacted a credit repair who sent letters. I also asked for my student loans Nelnet to remove this and they wont.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.
Complaint sub-issue: Account information incorrect

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  Mattress from Sears on XX/XX/XXXX. The mattresses scheduled delivery was rescheduled several times by Sears. As I can not pay for an item I did not receive I called Sears Mastercard to inform them I had not received the mattress. They agreed I could pay for the mattress when I got the mattress. I finally received a damaged mattress on XX/XX/XXXX at XXXX XXXX. Since the mattress was damaged, I called within an hour to return the mattress. They convinced me to wait for a replacement mattress. Following several delays by Sears once again, the damaged mattress was picked up on XX/XX/XXXX at XXXX XXXX. Even after I returned the mattress I received several more harassing phone calls demanding payment. I finally received a letter from Sears Mastercard dated XX/XX/XXXX that I did not owe them anything. When I checked my credit report in XX/XX/XXXX I learned that for the month of XX/XX/XXXX and XX/XX/XXXX they had reported me as missing payments. This is incorrect as I never missed any payment.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of a data breach that happened within XXXXXXXX XXXX  ( hospital ).
Complaint sub-issue: Account status incorrect

Enhanced Recovery/XXXX XXXX # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Complaint sub-issue: Problem accessing account

I tried to go over my statement from XX/XX/XXXX to XX/XX/XXXX at XXXX US Bank I have my reciepts the bank manager just ignored me at that time supposedly I was at negative {$820.00} and now Im on negative {$2500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also I stated before I was a victim of the Equifax Data Breach.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Has stated before I suspect fraudulent Inquires on my Equifax Credit report. 
Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.
Complaint sub-issue: Information belongs to someone else

I sent letters to equifax disputing accounts that does not belong to me that have not did anything about it I sent letters in XXXX of 2022 as well as XX/XX/2022 and XX/XX/2022 2022
Complaint sub-issue: Debt is not yours

I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

they have had it listed as a charge off for over 4 years per Texas state law it should be removed they are not doing so
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a few inquiries on my report that I don't recognize and I called both XXXX and Equifax to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on XXXX XXXX XX/XX/2022 on Equifax XXXX XXXX XXXX XX/XX/2022 on Equifax
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this my third request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Under the FCRA section 605b I need the following items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is to notify the Credit Bureaus if they do not REMOVE the listed accounts and information on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted disputes to you and did not get a response from you within 30 days. Yall are required by law to do so. Please I investigate my disputes. Thank you
Complaint sub-issue: Public record information inaccurate

XXXX REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by Lexis Nexis that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from Lexis Nexis, see attached! XXXX had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from Lexis Nexis on behalf of CFPB. So i am confused, how did XXXX " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is Lexis Nexis lying about removing it from my file? Or is XXXX lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... .Requesting that these accounts be removed. 

In accordance with the Fair Credit Reporting act Convergent Account 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: Reporting company used your report improperly

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " XXXX '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute letter to this company on XX/XX/2022 but they did not update the status of my report or they might have completely ignored it, either way, it was a violation of the FCRA law. I want the CFPB to have records of these complaints for reference because I might come in handy in the future.
Complaint sub-issue: Was not notified of investigation status or results

My account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.
Complaint sub-issue: Account information incorrect

Loan  # XXXX. I'm currently on a forbearance plan until XX/XX/XXXX and I've been on one since XX/XX/XXXX of last year due to Covid. I filed applied for a forbearance plan with LoanCare and per the terms of the plan if my loan was current prior to entering the forbearance that's how it would be reported. Until XX/XX/XXXX XXXX was reporting my correctly to the credit bureaus then suddenly after selling my loan they reported me late and closed my account. This needs to be corrected ASAP! My loan was current before and according to the plan so why am I being reported late now when it was being reported Pay as agreed until now..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # 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: Debt is not mine

A company has reported a collection which is not mine. Please remove
Complaint sub-issue: Company closed your account

Citibank closed my account in XXXX and refuses me access. I have been trying again the last few months with XXXX XXXX branch and I have to chase them down and they respond cant find account when I literally give Citibank papers with account number. They LIE.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX mortgage refuses to report my mortgage to all three credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/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 an 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 or 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: Loan balance remaining after the vehicle is repossessed and sold

I XXXX XXXX XXXX entered into a consumer credit transaction with Flagship Credit Acceptance on XX/XX/2021. A consumer credit transaction is an transaction in which a finance charge is involved. 

Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Flagship Credit Acceptance sent me a bill which is a violation of 15 USC1692 ( b ). Also this company is criminally and civilly liable for repossessing this vehicle which is a violation of 15 USC 1692 ( f ).

Pursuant to 15 USC 1611, Flagship Credit Acceptance is criminally liable, they are also criminally liable for double the amount of finance charges. 

Pursuant to 15 USC 1640 and they are liable for each FDCPA violation, pursuant to 15 USC 1692 ( k ). 

I am demanding they remove this alleged debt from my consumer report, or remit payment to me violations & apologize.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/2019 I contacted Doan Solutions in order to see if I can get help to pay my student loans off through a forgiveness plan since I am a a XXXX worker. XXXX XXXX XXXX ext. XXXX whom I spoke me assured me that a fee of {$990.00} was needed in order to process this contract. She based this fee on how much I owed in loans. I was in need of help, so the payments from my debit card was drafted on XX/XX/19 of {$150.00} then the following payments bi-weekly of {$210.00}. Once that was satisfied then the process would begin of {$84.00} a month for 10 years. They forgave $ XXXX of my loans. Sounded good until I called XXXX on 3/11/19 and the rep said I could have done all this for free no charge and with the same type of program I was looking into. What she didn't tell me that since she only needed my income not my husband 's. When I spoke to XXXX they said that would hurt me later on if I had been audited ( IRS ). So therefore I stopped all payments drafted from my account, and will deal with XXXX personally. I think this is a malicious thing to do to people who need the help and are desperate to get a better payment option. Requesting all fees paid to be refunded.
Complaint sub-issue: Debt is not yours

Compliant is against IC Systems/XXXX # XXXX : XXXX sent me to collections at IC Systems for {$77.00} on XX/XX/XXXX. I haven't had XXXX since XXXX. After disconnecting the service XXXX they continued to auto withdraw roughly {$100.00} a month from our account for almost a year. I've reached out to XXXX over 10 times to get payment back from them ( over {$1000.00} ) with no eval. Now my credit report is showing that they have sent me to collections for {$77.00}. I was never contacted by them for this and do not feel that I owe them anything. I have contacted them to ask for them to retract this from IC systems. I haven't heard back from them to date.
Complaint sub-issue: Debt was paid

Hello I have been subjected to ongoing harassment by Macy 's credit card division since at least XX/XX/2019. Their latest action is what prompted me to file this complaint. 

On XX/XX/XXXX I spoke with Citibank which apparently handles debt collection for Macy 's, or at least that's what they claimed in a letter signed by XXXX XXXX SVP at Citibank. Their representative offered me to enter into the settlement of the debt. I attached the letter from Mr XXXX with this complaint. According to the letter once I paid {$110.00}, I won't owe anything to Macy 's.

However, today I got a letter from Macy 's demanding that I pay them {$140.00}. The letter is also attached with this complaint. Amusingly, the letter mentions that I'm enrolled in a settlement agreement, and in the summary of activity also shows that I already paid them settled amount {$110.00}!

I am planning to sue the Macy 's in small claim court for their brazen harassment, but wanted to bring your attention to their practices. 

thank you, XXXX XXXX