Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is incorrect

I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information is not mine

I was told that the information that I disputed was correct and when I asked for evidence of factual documents, none have been received from Credit Bureau.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am requesting for a late payment from XX/XX/2020 be removed from Discover Financial Services LLC on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. 

I contacted Discover Financial Services in advance to make them aware of my situation and two request were made to Discover Financial Services LLC asking to remove the late payment which were both denied.
Complaint sub-issue: Information is missing that should be on the report

I am currently looking over my credit report on XX/XX/2020. I noticed that credit cards of mine are missing from my credit report file. XXXX  seems to show them but for some reason 2 XXXX cards and 2 XXXX 's cards doesn't show on equifax and XXXX. I called XXXX and XXXX 's both said they reported to all reporting credit agencies. I will show you the attachments the difference between XXXX and equifax and you guys can see the 3 cards that are missing. Hopefully this can be resolved as soon as possible. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

" My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately. ''
Complaint sub-issue: Investigation took more than 30 days

XX/XX/22 DSNB MACYS, We already disputed this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I follow citi bank web off link step by step open citi bank XXXX account deposit more then XXXX XXXX dollar. within 5 month I call customer service they always say I am qualify. now after 5 month they say my code is no qualify. I never put code when I open account. I just follow link to open account. I didn't know code. now they don't pay XXXX bonus.
Complaint sub-issue: Privacy issues

On XX/XX/10, I decided to apply for the Discover it Cash Back credit card. Before I submitted my application, there were two items required in order for me to submit my application successfully. First, the front and back of my driver 's license and secondly, my social security card. The website advised that it was to confirm my identity which is ridiculous especially at a time when data breaches are occurring more frequently. I did not feel comfortable uploading those items and discontinued the application process. I did not submit my application successfully therefore a hard pull of my XXXX   credit file was not warranted. Discover Financial should have done a soft pull and once I submitted my application, a hard pull. With all due respect, my score dropped 10 points due to their hard inquiry. I did not even receive any confirmation from Discover Financial that my application was even received so I believe this was an error on their end. I emailed their executive office XXXX. I immediately advised that I was no longer interested in applying for their credit card and that I did not submit my application to them for processing. The next day, I received an email from their customer service department advising that my application was still pending. After further research, many consumers that have tried to apply for their Discover It credit card have complained about the same thing : they request a copy of their social security card to be sent to them to confirm citizenship disguised as identity. Their tactics are appalling and I have reported them to the XXXX  as well. I did not submit my application to Discover Financial because I did not think it was safe to submit my social security card out of fear that it would be compromised and discontinued the application process. No other creditor has ever requested for me to send them a copy of my social security card to apply for credit. They had no right to pull my credit report since I did not finish their application process online. To add insult to injury, no one from their executive team has had the courtesy to reply to any of my emails. Furthermore, I think that XXXX  is also at fault because they allowed them to pull my credit report in the first place. I will never apply for any other credit card that XXXX  recommends since they receive a commission for each applicant. I have contacted XXXX   and have received no assistance there either.
Complaint sub-issue: Account information incorrect

XXXX has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix it.
Complaint sub-issue: Problem accessing account

I received and email at approx XXXX XXXX  On XX/XX/22 from Ally bank stating that my account had possible fraudulent activity and my access to my account was blocked and to give them a call. I called answered all the questions was then told by the loss prevention department they could not tell me why my account was blocked at the moment but someone would call me back and one to two business days and in the meantime I was not able to use my account. I then called back to speak to somebody else were they informed me they were closing my account I then informed them I had two direct deposits totaling close to {$600.00} that would be hitting my account that day their response was they are sorry money could come into the account but could not leave my account. I then asked could they please close my account at that moment so the direct deposit would get kicked back to the sender and I could reroute them to a different account. I was then told there was a process they had to go through in order to close my account and that once my account was closed they would send me all my remaining funds. I was also told this could take up to 90 days. I am a single mom on one income and that money that was going into my account today was to pay my rent I now have to deal with a very upset landlord and no money to feed my family as all my money is in that account. This put a very bad hardship on me. It is also very upsetting that the people I spoke to you were very rude and were not helpful. Could not give me a reason for them no longer wanting me to have an account. I also have no online access to even see exactly what was in my account at the time of them taking away my access.
Complaint sub-issue: Public record information inaccurate

In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all XXXX credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Complaint sub-issue: Account status incorrect

I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services.

I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask Equifax and XXXX to provide documentation of debt validation.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am serving as a XXXX  at a XXXX XXXX in part because after 10 years my loans are supposed to be forgiven under the Public Service Loan Forgiveness Program ( PSLF ). 

I recently certified my employment and was informed by XXXX  that only 5 of my payments in XX/XX/2018 were " Qualifying Payments '' for PSLF. The other 7 payments were not counted because the payments were prepaid. 

XXXX does not publicize their very counterintuitive policy that a prepaid payment is not an on time payment under PSLF. XXXX on their website describing PSLF requirements writes : " If you make a payment for more than the scheduled payment amount, the excess amount may be applied to cover all or part of one or more future payments, unless you request otherwise. Depending on how much extra you pay, its possible that your next due date could be a month or more in the future from the date you made the extra payment amount. This is called being paid ahead. If you make subsequent payments during a period when you are paid ahead, those payments wont count toward PSLF. '' This is deceptive and suggests only that additional payments made during the paid ahead status time will not count towards PSLF, not that none of the payment applied to future payments will qualify. There is also nothing in the congressional record to suggest that when Congress passed legislation authorizing PSLF, it intended prepayments to be excluded from Qualifying Payments. 

Furthermore, XXXX informed me that where the prepaid money comes from AmeriCorps or PeaceCorps grants, the prepayment is counted towards Qualifying Payments. My prepayment was the result of a National Health Services Corps ( NHSC ) grant ( https : //nhsc.hrsa.gov/loan-repayment/index.html ). These are similar federal grant programs that offer student loan repayment money as an incentive, and there is no reason why XXXX should treat different from PeaceCorps or AmeriCorps.
Complaint sub-issue: Information belongs to someone else

The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/XXXX.
Complaint sub-issue: Debt is not mine

On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt collector : XXXX XXXX XXXX Collection amount : {$1000.00} Acct # XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have been challenging a few accounts listed on my credit report with XXXX, XXXX, and Equifax for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and XXXX that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form Equifax at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX my wallet was stolen. I then saw a unauthorized transaction for {$940.00} dollars for a XXXX transaction. I saw the charge and immediately got in contact with the bank to dispute the charges. I called to find out whats going on a couple of weeks later and they closed the investigation and is refusing to get my money back. I am so upset with this bank
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$75.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX XXXX ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. 
The inquires that need to be removed due to no knowledge of them are : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX 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 The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting.

2 ) Refusing to updated and removed false information from credit report.

3 ) Each credit Bureau have different information from one another.

4 ) I provided them with proof and they still refused to remove false information. 
5 ) They did not take their time to go over my credit report.

I have 5 violations that was done to me by XXXX, Equifax and XXXX. Meaning I should be getting a check for {$5000.00}.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Complaint sub-issue: Information belongs to someone else

I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.