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

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 .This 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Problem with paying off the loan

The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?
Complaint sub-issue: Public record

I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

I disputed information on my Credit Report with XXXX and Equifax. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
Complaint sub-issue: Trouble with how payments are being handled

Due to the lack of responsibility and irresponsiveness of a Citibank 's staff, my student loan with Citibank missed the collection time limitation and the loan become " discharge ''. I lost track of my loan in XX/XX/XXXX when Citibank told me that my loan was transferred to another company. I have been chasing where my loan is since then. I finally got in touch with a lady of Citibank in late XX/XX/XXXX and knew that my loan was still with Citibank. Then I have been following up with her. I asked for the latest amount to write on the check since I have lost track of my loan for a long time and I don't know the amount on the latest statement. I have been sending emails with her since late XX/XX/XXXX and asking for the amount for many times and expressed many times that I want to make the payment as soon as I know the amount. Without telling me the amount to write on the check, she didnt tell me there is a collection time limitation either, which leads to the discharge of my loan. Now I got a XXXX with the principal amount and I have to file the tax soon. And I will have a bad credit record. I dont think I deserve such a result after chasing my loan with Citibank for such a long time. I have the email evidence to show all the efforts I made in the past several years to chase where my loan is and to ask for the amount in order to repay the loan as soon as possible. What I want is that the bank gives me a channel to repay all the principal and interests and the bank issue an updated XXXX form to me and to IRS. Thanks!
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Complaint sub-issue: Card opened as result of identity theft or fraud

This credit card was opened fraudulent and continues to report on my credit report in violation of the FCRA.
Complaint sub-issue: Problem with customer service

I have been continually harassed by Great Lakes since XXXX XXXX. At first I was being harassed on the phone ( a business phone ) during business hours which I had requested not happen, regarding a loan repayment plan and then about in-school deferment. Calls needed to be for emergencies only. After several phone conversations, my number was finally removed from the system so that I would not receive harassing phone calls during business hours. Now, I get threatening emails because I do n't have a phone number on file. There does not seem to be a solution. I do n't have a personal phone number because it truly is n't affordable or a priority, I have internet and that covers everything I need.
Complaint sub-issue: Debt is not mine

Account appeared on my credit reports. I disputed it, it was removed and company added the account back to my credit and continue to make attempts to collect
Complaint sub-issue: Account information incorrect

XXXX shows 4 missed payments, and then a payment in XX/XX/2020 that cleared the account, and its because the account was never late. P
Complaint sub-issue: Reporting company used your report improperly

I have settled this Debt with Discover there is no collection activity on this Account. 
Courts have ruled it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re Crosby, 261 BR 470, 474 ( Bankr. Ct. D. Kan. 2001 ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the Discover to enforce its claims against me. 

Discover Bank v. Shimer, 36 Misc. 3d 1214 ( A ), 1, 957 N.Y.S.2d 263, 263 ( N.Y. Dist. Ct. 2012 ) ( holding that it is inequitable to allow Discover to belatedly enforce the alleged debt after it received the tax benefit of the charge-off )
Complaint sub-issue: Account information incorrect

My credit reports generated by XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1.High balance, 2. Last activity and 3. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXXXXXX Last activity XXXX XXXX  Last payment XXXX XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Complaint sub-issue: Reporting company used your report improperly

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number CHILD SUPPORT ENFORCMENT XXXX Name of account Account number XXXXXXXX XXXX XXXXXXXX Verification Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the XXXX XXXXXXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have rights 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 is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Complaint sub-issue: Debt is not yours

XXXX ( eos ) XXXX all equipment returnedand XXXX ( XXXX   XXXX ) XXXX paid. I have sent letters without response. I know there are mail issues due to COVID but this is truly affecting my credit.
Complaint sub-issue: Public record

Online dispute does not work. Online dispute asks questions about accounts that are not mine. After answering " none of the above '', session is terminated. It reports I am an imposter and request I send a copy of my license and call some " XXXX '' number.
Complaint sub-issue: Debt was paid

They have reported the wrong information from the beginning. They had the wrong amount reported. I went directly to the apartment complex that the debt was owed to and paid them the correct amount. On XXXX XXXX I sent them a copy of the letter showing the debt was paid. They contacted me XXXX XXXX saying I was responsible for paying by the end of the month. Once I explained everything XXXX XXXX stated she saw where the information was received and they will verify its validity. At this point I had already filled a complaint on the XXXX. XXXX XXXX comes back and tells me no record of the information was received after I told her it was sent to a XXXX XXXX. I forward the email to her and magically they received it. There has still been nothing done. I want this resolved. It is getting extremely annoying that it has taken over a month for something to be done.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX   {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX ct XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX please assist me in removing all negatives due to identity theft
Complaint sub-issue: Debt was paid

I have spoken repeatedly with Remex to resolve this issue. I have a claim number and a payment number provided by a state employee. Remex is requiring an explanation of benefits as proof - however, consumers are not able to request this information. The provider is to request a remittance by calling XXXX and providing an NPI number. I have spent days and countless hours speaking with representatives from both the NY XXXX and Remex, and nothing has been resolved. I am physically unable to obtain a copy of the EOB due to HIPPA regulations, and Remex/Well Now has made it blatantly clear they will take no steps to follow the procedure set in place to acquire this documentation. 

As I have taken the steps to provide proof and have been met with accusations that the debt remains unpaid, I consider this a fraudulent attempt to collect a debt that has been paid over a year ago. A state employee with the NY XXXX has suggested I file a report with the state. 

Claim : XXXX Payment number : XXXX This has severely damaged my credit score. I have gone from an XXXX to XXXX after a history of perfect payments. 

Please help me to resolve this issue! 

Thank you! 

Best regards, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In mid XX/XX/XXXX, I initiated a dispute with the credit card company regarding a {$1500.00} charge made by a vendor who misrepresented availability of a product which I paid for using my card. 

On XXXX XXXX, XXXX, I emailed the credit card company to ask the status of the dispute. On XXXX XXXX, XXXX, I received an email which stated the matter was still being investigated. That XXXX XXXX email from the company did not request anything further from me, i.e., documentation, etc. 

On XX/XX/XXXX, I received an email from a different representative that said the dispute was declined. I was told by phone that the reason the dispute was declined was because the company had sent me an email requesting more info from me that I did not respond to. I told them I have no record of receiving that email and the company has refused to provide a copy to me. I have asked for an appeal but was declined.
Complaint sub-issue: Information belongs to someone else

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Reporting company used your report improperly

XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being that have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because ( Original Creditor : Progressive ) Account # XXXX In Accordance to 15 USC 1681 section 602 A : I Have the right to privacy and I did not give Equifax written permission to furnish the listed account 15 USC 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 USC 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Theses inaccurate items falsely being reported to my credit report is ruining my life and hurting my chances of getting a new home and extension of credit please remove this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX a XXXX, have been adversely affected by the false and inaccurate information on my credit report. I have previously disputed the inaccurate account reported by EQUIFAX in collection status as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$800.00}. EQUIFAX knowingly and willfully violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act by failing to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and failed to delete the account from the file. Despite my numerous attempts to dispute this account with EQUIFAX as shown currently on MyEquifax account online, EQUIFAX denied my right to a fair and accurate report Pursuant to 15 U.S. Code 1681 ( b ) which states If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer Pursuant to the FCRA 15 U.S.C. 1681i ( 5 ) ( A ) ( i ). The account xxxxxxxxxxxxxxxx XXXX from XXXX XXXX XXXX in the amount of {$800.00} can not be verified because it is inaccurate and has already been removed from my XXXX and XXXX report, therefore it is unable to be verified from EQUIFAX. Thus proving EQUIFAX has failed to exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). 
I have suffered from damage to my credit worthiness and received an adverse action letter from XXXX XXXX due to this inaccurate account on my consumer report. I have record of over 10 phone calls made to EQUIFAX demanding this account be removed and EQUIFAX representatives used profane language on the recorded line and refused to remove the inaccurate account from my report. The EQUIFAX XXXX XXXX XXXX ID XXXX refused to remove the account and insisted the account was verified and accurate. On XX/XX/2022 I have record of the phone call with an EQUIFAX representative who verified there is no record of my consent to share my personal credit information with this XXXX XXXX XXXX XXXX XXXX which is a direct violation of 15 U.S. Code 1681b. EQUIFAX did not have Permissible purpose to use my consumer report, as well as a violation of the Equifax Data Sharing Policy. I have filed a previous CFPB Complaint and I have contacted EQUIFAX Executive Consumer Services and EQUIFAX XXXX XXXX XXXX on XX/XX/2022 and EQUIFAX still failed to accurately reinvestigate the account and remove it from my report. I am now exercising my rights under the law. These rights include, but are not limited to, civil liability for damages pursuant to 15 U.S. Code 1681n. I demand EQUIFAX promptly and immediately remove the account xxxxxxxxxxxxxxxx XXXX from XXXX XXXX XXXX in the amount of {$800.00} and provide monetary relief for the consistent willful violation of my rights under the Fair Credit Reporting Act.