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

I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Complaint sub-issue: Account status incorrect

I refinanced my car loan with another institution and paid off the original loan. That was in XXXX. I have called the original institution because 2 months later my loan still shows as open. My credit score dropped XXXX points because it looks like I have 2 car loans. I called again today and they told me to bring them my credit report to show that it is still open. I cant go because they close when I left off work.
Complaint sub-issue: Don't agree with the fees charged

A few years ago I had a private student loan payment with a debt collector called XXXX XXXX. It went to a debt collector because XXXX XXXX XXXX went out of business, and I was unable to locate them to set up repayment after I graduated. I paid XXXX XXXX XXXX for a little over 10 years, and no interest was accruing at the time. I had to get a new debit card, and unfortunately my payments were being taken from my old one, so I defaulted. I called to set up payments as soon as I realized a few weeks after the missed payment, but they had already sent it to another collection company, EOS CCA. EOS CCA sent me a bill for thousands of dollars over the amount I owed with the previous company, so I stopped payment with them, and requested the promissory note they have on file. It shows that I only had a loan for {$10000.00}, which is the amount I had already paid to the previous company. They are claiming that the over {$13000.00} they are trying to charge me is for interest. I sent them a dispute letter, along with all of the documentation I have as far as payments I made the the previous company and the promissory note via fax and mail. I received another bill from them this year, for a much higher amount, and I called them in XX/XX/2022 to ask about the balance, and tell them that I had already provided them with documentation that says I do not owe this money. They want me to resend it, and I am confident they are going to keep " not receiving '' my dispute documents until I get someone else involved. They refuse to contact the previous company for the payment information, and to put it on my credit report so I can send the documentation to XXXX  for a proper dispute.
Complaint sub-issue: Debt was paid

I have contacted all three credit Bureau, XXXX XXXX, XXXX and The Bureau to get this resolved since XX/XX/XXXX. XXXX credit agencies are reporting the same debt two different amounts and days apart. It is also showing as past due but was satisfied via garnishment and should state collection paid as of XX/XX/XXXX. This is with XXXX funding and The Bureaus. XX/XX/XXXX & XX/XX/XXXX is the reporting date in the amount of {$1500.00} & {$1500.00}. XXXX XXXX is reporting an account on XX/XX/XXXX in the amount of {$72000.00} this is not my account and nor was there an inquiry completed for this.
Complaint sub-issue: Reinserted previously deleted info

Equifax continually deletes XXXX then re inserts the information, purposely damaging my credit score causing financial hardships.
Complaint sub-issue: Didn't receive enough information to verify debt

Was told about two debts this company just received. I disputed the debt and asked to see proof of the debt. They did not send proof of the debt, instead they sued me in small claims court. After being served by the sheriff I received a letter listing the two debts. I sent a certified letter back disputing the debts. Now I just found out they won a judgement against me without going to court.
Complaint sub-issue: Deposits and withdrawals

Approximately one month ago, our Citibank Citigold Representative called my wife, XXXX XXXX, and asked her for some information regarding her employment, our net worth, etc. Citibank told her that this related to the KYC ( Know Your Customer ) mandate. My wife provided all the information requested. 

Last Thursday ( XX/XX/XXXX ), our checking and savings accounts were frozen. We spoke with XXXX XXXX, our Citigold representative, who investigated and learned that, although he had submitted our information to the KYC group, that group " had a large backlog, '' and therefore our information was not entered into Citibank 's system. As a result, action was taken to close our accounts. Our representative requested that the account closure process be stopped, but was unable to do so. He told us that Citibank 's internal policies did not allow him to reach anyone with the authorization to reverse the account closure action once it had commenced, even though the KYC group acknowledged that the process had been commenced in error. 

It is now Wednesday ( XX/XX/XXXX ) and we have received no helpful updates. We have been told by Citibank that our account has been unblocked, but the money has been taken from the account. Our Citibank rep is unable to learn whether ( or when ) our money will be returned to our checking and savings account. He tells us that it is possible that a cashiers check has been produced, in which case our money will be mailed to us. He says it's also possible that no cashiers check has yet been produced, in which case it may be possible to reverse the ledger transaction and return our money to our account. He told us that it is not possible for a Citibank branch representative to directly speak to the group which is responsible for handling this, so it's impossible to tell us where our money is. He says that he must wait for someone within that group to send him an email, which may come tomorrow, or next week, or at any time. 

Meanwhile, we have many our bills tied directly to the account, and are bouncing payments all over the place. This will undoubtedly damage our credit, and hurt our relationships with various utilities and other companies, including some small businesses. 

This, obviously, is frustrating to us, particularly since we still have no certainty around how & when it will be resolved.
Complaint sub-issue: Can't get other flexible options for repaying your loan

my original loan was for XXXX XXXX  bought my loan on XX/XX/XXXX for XXXX. 
years XXXX, XXXX my payments were late because they could/would not change my due date so that it would be due around my pay period so each month I was given a late fee. by XX/XX/XXXX my loan principal was XXXX I then made payments without late fees for the rest of XXXX, XXXX, My hXXXX  then had a major XXXX in XX/XX/XXXX. They reduced my payment but would not put it on hold. so again, I stopped paying XX/XX/XXXX. XX/XX/XXXX after my legal XXXX. I restarted auto pay and continued payments until XX/XX/XXXX. At that time i was made aware that I have paid so far XXXX dollars. For this loan of XXXX. They say I still owe over XXXX dollars. I think Since I have given this company double of what my loan is that it should be at least paid in full. 

I no longer have the well paying job that I had and at the age of XXXX have only been able to get part time work doing XXXX XXXX. They said I was not eligible for any of the programs to have my loan forgiven. 

How can I get them to accept the amount that has been paid as payment in full.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, SELF / LEAD Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, AD XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX  XX/XX/XXXX {$2300.00} Hard Inquiries Credco XX/XX/XXXX N/A
Complaint sub-issue: Debt is not mine

My ex-wife by court order is required to pay the debt. The XXXX XXXX XXXX is trying to collect from me. Also, the only person that XXXX XXXX attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to XXXX XXXX XXXX. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, 2021 I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in 2000. 

XXXX XXXX, 2021 someone applied for a XXXX XXXX XXXX  credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX  credit. I called XXXX XXXX XXXX and was informed that on XXXX XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.
Complaint sub-issue: Reporting company used your report improperly

Dear Sir, today I received one message my Home Depot credit card credit limit got down from {$5000.00} to {$2500.00} Whats reason they deducted my credit limit {$2400.00}? I think they made unfair decision against me which is harmful for my credit history. Please take necessary action urgently and let me know. Thanks!
Complaint sub-issue: Investigation took more than 30 days

Hello, I reviewed A copy of my credit report and it shows a direct violation of the FDCPA if a charge off or collection account is reported with a balance. This account shows a balance of XXXX as of XX/XX/2021 2021
Complaint sub-issue: Information belongs to someone else

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}
Complaint sub-issue: Contacted me after I asked not to

I have sent cease and desist letters yet this company continues to call repeatedly
Complaint sub-issue: Information belongs to someone else

I did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2020
Complaint sub-issue: Was not notified of investigation status or results

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/XXXX.
Complaint sub-issue: Account information incorrect

I believe that there are accounts on my credit report that I have no knowledge and the credit bureau has not validated or verified.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2017 i sent a dispute letter. Grant & weber did not respond and the account was only on my XXXX  credit report and is now on my XXXX credit report as well. I do not have a contract with this company. The amounts are XXXX and XXXX.
Complaint sub-issue: Information belongs to someone else

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquire on my credit that i didn't allow to be on my credit. XXXX XXXX XXXX
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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I have tried occasions to fix my issue with Equifax several of times. I have sent multiple complaints to Equifax because they have my information mixed up so they are showing accounts that I never had report false late payments. I have sent in disputes to resolve this issue. But when they send me results back. They are sending it back with a XXXX XXXX and not XXXX XXXX which is my name. I have tried calling them and sending then tons of information and they still haven't fixed this.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/XXXX, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/XXXX saying that the tradeline is reporting accurately and updated. It shows I was 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can that be? How can I be 60 days late 6 months in a row? What happen to the 90 days late, 120 days late, and etc. The payment history is inaccurate.
Complaint sub-issue: Billing problem

On XX/XX/2019 my vehicle was involved in an accident and was a total loss. My insurance company paid out the market value of my vehicle to Regional Acceptance Corporation ( RAC ), an affiliate of BB & T, which financed my vehicle. I also have GAP Coverage through XXXX XXXX which would take care of the remaining balance on the vehicle. I initially sent RAC a Lienholder/Lessor report of total loss on XX/XX/19, that they were to complete and return to XXXX XXXX so they could process and pay out on the claim. They failed to return the form. I placed multiple phone calls to RAC to see what the hold up was from XX/XX/XXXX through XX/XX/XXXX. Nobody was able to give me an answer. I left multiple messages and emails for the claims department, and never received a return call or email. On XX/XX/2019 I received a letter form XXXX XXXX indicating they still had not received the requested information from RAC, and they would close and deny the claim after 30 days from the date on the letter. I again reached out to RAC via email and phone to address the situation, and resubmitted the form again for them to complete. After the threat of non-payment one of the reps sent a priority email to someone in upper management, and they finally filled out and completed the form at the end of XX/XX/XXXX. The last step is RAC notifying XXXX XXXX that the warranty on my car was refunded, which they have yet to do. At this point, XXXX as denied the claim, but indicated that they would re-open and pay the claim once they receive this verification. During this time RAC continued to bill me for the remaining balance and in XX/XX/XXXX reported to the Credit Bureaus that I had not made any payments. I discussed the situation may times with them, indicating that the balance would have been paid and taken care of by XXXX XXXX, but has not been due to their own negligence and lack of timeliness. I simply asked that they put a hold or pause on the account until it is settled. They know I have the GAP coverage and that they will be paid, and any difference I would settle with them. Before this I had no missed payments with RAC. The only reason this has gone on as long as it has, is because they didn't do what they were supposed to on their end. This has been going on sinceXX/XX/XXXX of this year, and its almost XX/XX/XXXX. The process  normally takes less than 30 days. However, their reporting has had a severe and negative effect on my credit score and my ability to obtain financing currently and in the future. I am attaching the correspondence I had with RAC and documentation from XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is opened up in my name and signature was forged...