Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as Home Depot regarding an opened account with Home Depot 11 years ago. I proceeded to call the number stated on a letter from its representative (  XXXX  ) received on  XX/XX/XXXX  regarding my CFPB complaint #  XXXX .
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I now find that the same creditor may be reporting the same account although with a different account number under another name (  XXXX  ) and this can be seen on my  XXXX  credit report. It reports the same balance owed but under a different loan type ( Auto ) and again reporting on my   XXXX   XXXX   credit under personal loan also a different loan type.
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I called the phone number that is reported to be  XXXX   XXXX  and the number is not a working number but they do have the same address as   XXXX    which is :   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  who does have a working number   XXXX  . I am asking for an explanation as to the purpose of reporting against the same balance owed (   XXXX   ) times using (  XXXX  ) different companies names but you are one of the same company. On top of that the original account with the Home Depot was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XX/XX/XXXX .
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Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
Complaint sub-issue: Report improperly shared by CRC

Yes I apply for a security freeze to be place on my credit file to LexusNexis, and it was place successful with no problem. So my husband was told to place a security freeze on his reports as well. Ok I receive my pin and all. I receive a call on today, that Lexusnexis remive my security freeze wuthout premission. I was told it was issue in error. I been a victim of someone keep applying for credit in my name. Also I have a relative with the same name and her credit is also been added to my file.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Don't agree with the fees charged

I was notified by phone on XX/XX/XXXX that loan was in default and told that I had until XX/XX/XXXX to set up payments on the rehab program or I would incur a 19 % fee which would be XXXX. He wanted info about my AGI from tax return so I did some research to make sure that it was legitimate then attempted to call back with that info from my tax return. The wait on hold to talk to someone at PHEAA was always a long time and they are unavailable on the weekends but I finally reached someone, XXXX, on XX/XX/XXXX. The payment using my AGI was too high so we began the process of going over my income and my husband 's along with expenses then the call was dropped. I had to call back when he didn't and wait on hold again. I asked that he call back since he had my info. He did so on XX/XX/XXXX and I signed the form electronically to allow biweekly payments to begin XX/XX/XXXX while he was on the phone. He then said that he will email the agreement to me and my husband to sign and return. I had an email from them on XX/XX/XXXX but couldn't retrieve it. On XX/XX/XXXX a paper copy was received but didn't appear accurate so I tried to get ahold of them again to discuss it and did talk to someone else on XX/XX/XXXX only to be told that I now owe XX/XX/XXXX in fees in spite of the fact that I was trying to work with them.
Complaint sub-issue: Account status incorrect

Bank of The West is reporting innaccurate lates on my credit file. The lates are for XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.
Complaint sub-issue: Account information incorrect

Information is being inaccurately reported on my credit reports. The information is being reported by Nelnet. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with Nelnet. On XX/XX/XXXX I faxed a dispute to Nelnet advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called Nelnet on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that Nelnet has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why Nelnet is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Equifax has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The fax number to reach XXXX either directly or though Factor Trust ( a wholly owned subsidiary of XXXX  ) is no longer working. 

I called and was unable to get through to a live rep at XXXX however I have spoken to a representative at Factor Trust and they state the no longer accept information by fax as it states on their submission page here : https : //www.factortrust.com/Consumer/ReportRequest.aspx They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.
Complaint sub-issue: Information belongs to someone else

there is no sufficient information to support Equifax, XXXX  and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX
Complaint sub-issue: Account status incorrect

Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from XXXX student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with XXXX were purchased by XXXX my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from XXXX. The credit bureaus disputed but results came back saying to contact XXXX. I reached out to XXXX via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to XXXX asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX. 
Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.
Complaint sub-issue: Trouble with how payments are handled

Dear who may concern, I took a student loan from the city bank in XX/XX/XXXX/XX/XX/XXXX and paid the full amount to close the account in XX/XX/XXXX. However, the City Bank made a number or errors that prevented me from closing my account at that time. 

First, City Bank did n't provide important information to me. For instance, I submitted payment in XX/XX/XXXX to close the account. However, only in XXXX XXXX, Citi Bank contacted me and explained that this amount was not applied to the principal as instructed and to close the balance on XXXX loan, but applied by Citi Bank as a payment of future payment instead. In addition, I did not receive any emails/notification of my remaining balance form their company until XXXX XXXX. 

Second, I submitted payment of the remaining balance in XXXX XXXX to close the XXXX loan. Apparently, the payment did n't go through as anticipated, possible because XXXX Bank agent at the time mis-entered the account information. And there was no additional follow up from Citi Bank after this problem with the payment. 

In fact, when I found the payment was not deducted from my bank account balance, I called Citi Bank and asked for the reason. However, the agent could n't find my account information and asked me to send a fax so that they can search for my account. It is unclear why Citi Bank could not find my information : perhaps because Citi Bank agent assigned me a random number as my social security number. Regardless, after sending in that information, I received no additional response from City Bank. After numerous phone calls to Citi Bank in the past, I was left feeling very frustrated as no one was able to provide me with adequate resolution to my queries. 

Therefore, I requested the City Bank to re-appy/re-calculate my balance due with the attached letter that I sent to City Bank on XXXX XXXX, XXXX. If the payment had gone through in XXXX XXXX as I 'd sent it, I should have pay a total of {$5200.00}. Therefore, that 's the amount I asked them to re-adjust and my intention is to pay the full amount and close down the account. 

However, instead of resolving this issue, City Bank kept calling me to request for a payment of larger amount. Also, they disagree with re-calculating my balance, without providing understandable explanations. I tried to have a follow up phone conversations with City Bank on XXXX XXXX, XXXX, but the person who is in charge of was defensive, not properly communicating and intentionally disconnected the call.
Complaint sub-issue: Old information reappears or never goes away

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ XXXX due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EQUIFAX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Can't close your account

I made a phone call to Citibank XXXX XXXX, XXXX to close my account and pay off the entire balance. They confirmed on XXXX XXXX, XXXX that in order to close the account that day I needed to pay XXXX $ I payed that exact amount that day and they told me that my account would be closed. 2 months later on XXXX XXXX, XXXX I received a recorded phone call from Citibank saying that i was 2 months late on an interest charge they applied to my account the same night I closed the account XXXX XXXX, XXXX. I called them back to see what the issue was being that I had closed the account 2 months before. The first person i reached from Citibank said she had no record of me closing the account XXXX XXXX, XXXX and that it had remained open. I then asked to be transferred to a supervisor as i knew this was incorrect. After being transferred to the supervisor, they said they had found the notes on my account being closed but it was charged an interest fee that came the night of XXXX XXXX. They said i needed to get a subpoena to get the original call when I closed the account, that confirmed them saying they would close it if I paid the balance of XXXX XXXX which I did.
Complaint sub-issue: Information belongs to someone else

There are a couple of creditors listed on my credit report that do not belong to me. Please remove them immediately.
Complaint sub-issue: Banking errors

On XX/XX/XXXX Discover Bank withdrew {$25.00} dollars out of my XXXX XXXX XXXX XXXX XXXX Account. I did not authorize this withdrawal, Discover has stolen {$25.00} dollars from my XXXX XXXX XXXX XXXX XXXX Checking account. 

If the Online Savings account Ending XXXX is closed with Discover, which I have in writing that the account is closed, why are funds being taken from my XXXX XXXX XXXX XXXX XXXX account?
Complaint sub-issue: Received bad information about your loan

I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Charged too much interest

I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. 

I feel I am being unfairly treated and want to complain.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}
Complaint sub-issue: Account status incorrect

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Complaint sub-issue: Received bad information about my loan

Keybank National Association has been accepting regular monthly payments from me for my account ; payments that I have full proof that I have made them. However, I just received a letter from Keybank stating that I must:1.payoff my loan has I have not made satisfactory payments2. they provided a phone number to call about this situation, that was simply an advertisement for a bogus vacation ( e.g., win a dumb vacaction ). Keybank phrased the advertisement as a " survey '' in which they would then connect you with the appropriate person after completing XXXX questions. You are then asked more than XXXX questions, and once you go through all of their prompts the phone just hangs up.
Complaint sub-issue: Information belongs to someone else

This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.