Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

ON XX/XX/2019 I SETTLED 3 ACCOUNTS WITH XXXX. BOTH XXXX  AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY EQUAFAX HOWEVER IS STILL SHOWING 2 OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION
Complaint sub-issue: Problem during payment process

I have an account with Home Depot. I had a revolving balance and three promotional balances that were do at different times. On New Years eve I went to my local Home Depot to pay off my revolving balance so no further interest would accrue, and pay towards my XXXX promotional balance. The woman at the customer service counter was unfamiliar with how to do this, so she contacted the national Home Depot credit services department. After speaking with someone there, she passed the phone to me. It was explained to me that because I had a promotional balance due in XXXX, they couldnt pay off the revolving balance first. I complained that XXXX was two months away and that balance was to be paid off by the. The customer service rep told me that their computers would not allow them to divide payments this way. 
In XXXX, when the bill came due I paid off the amount of the remaining revolving balance + extra so it would lessen the XXXX promotional balance. 
When I received my XXXX bill. There was an interest charge of {$10.00}. I called customer service on XX/XX/2020 @ XXXX pm and spoke with XXXX. I explained I was disputing the interest charge due to the fact that I was not allowed by their company to pay off my revolving balance in full the previous month. She spoke to a supervisor who said that they would redirect {$670.00} of my payment of {$790.00} to pay off the revolving balance and remove the {$10.00} interest charge. At that point I was satisfied. 
However, on XXXX XXXX I again called Home Depot Credit Services to verify that all the aforementioned had occurred before I made my XXXX payment. I spoke to XXXX who took a lot of time with me. However, other than removing the interest charge, nothing had changed. I still had a revolving balance, the promotional balance due in XXXX and the one due in XXXX. I explained about the previous conversation I had had with XXXX and what her supervisor had said. She put me on hold, and spoke to someone and was told the same spiel about how because there were 30 days left until the XXXX promotional balance was due, they couldnt pay off the revolving balance first, but instead had to divide up the payment. She apologized, but said there was nothing she could do. I asked what amount I needed to make so I wouldnt accrue interest and could pay off the revolving balance. It seemed the only way to do this was pay the amount of the revolving balance, the total remaining on the XXXX promotional balance, and the XXXX promotional balance. So I did. 
This is a ridiculous scam! If a promotional balance is due on say XX/XX/XXXX, and you pay it off before XX/XX/XXXX, the company should not be allowed to redirect payment from one balance to another. This is just their way of collecting interest. By not allowing me to pay off my revolving balance first, they guaranteed they would continue collecting interest every month. This is a dishonest and disgusting practice that sours me on this company!
Complaint sub-issue: Public record

My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I believe I'm a victim of fraud for some reason I have 12 hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. XXXX  and XXXX  are reporting correctly a {$0.00} balance due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 6th dispute letters to Equifax XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account information incorrect

I am in the process of securing a VA mortgage. I checked my credit report and it shows 1 ( one ) collection account with EOS-CCA for {$1700.00} toXX/XX/XXXX XXXX, NY. On XX/XX/XXXX I contacted XXXX XXXX billing office to get a definitive total owed. Talked with C/S rep XXXX and she gave the amount owed to EOS-CCA {$320.00}. I contacted EOS-CCA XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX the same day and spoke with C/S rep XXXX. XXXX informed me I owe EOS-CCA {$2500.00}. I asked her to send me an itemized statement of the charges and dates. Called EOS-CCA XXXX, NY on XX/XX/XXXX to inquire about the itemized list. C/S rep wouldn't give his name but said the list was mailed out. To date I have not received the itemized list. I also filed a dispute with XX/XX/XXXXfor 9 ( nine ) amounts on my report. On XX/XX/XXXX I called XXXX XXXX to get an update on my charges because I had paid a previous bill on XX/XX/XXXX for {$30.00} and XXXX XXXX stated I now owe EOS-CCA {$290.00}. I called EOS-CCA XXXX XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX, the C/S rep would not give her name. She stated I owed EOS-CCA {$2500.00} and she insisted I set up a payment plan right then over the phone. I explained that EOS-CCA is the only collection listed on my credit report and according to their client XXXX XXXX, who I had just spoken with that morning, the amount is incorrect and not owed. I then requested she mail/send me an itemized list of the charges. She requested to put me on hold because " I want to check something ''. I agreed. She returned 5 ( five ) minutes later to verify my address and said the list will be mailed out. Also, I went over the amounts line item by line item on my credit report with XXXX XXXX XXXX and the dates. ALL dates and amounts on my credit report are XX/XX/XXXX. XXXX XXXX stated the amounts and dates are incorrect and not owed to them.
Complaint sub-issue: Debt was result of identity theft

Someone got an apartment in my name without my knowledge & now I am being charged for it & it is on my credit report.
Complaint sub-issue: Need information about your loan balance or loan terms

My student loans date back to XXXX under the public service loan forgiveness program. XX/XX/XXXX I submitted a request to federal loans to have my loans transferred to them and they confirmed that all of my loans qualify for public service loans forgiveness and took over servicing my loans. I have been paying on my loans since XXXX when I graduated XXXX school and began XXXX. In XX/XX/XXXX after Fed loans told me I qualified for the program, I was told I would received information regarding how many of the payments I have made over these last 7 years qualify towards my 10 years ( 120 loan payments ). I have contacted them about every 3 months since then and still have not received an answer when I was told originally it would only take 1-3 months to calculate this. It has now been 14 months and they still have not given me any information regarding my qualifying payments and continue to brush off my requests to have the qualifying payments calculated. I have resubmitted employer information for the 2 places I have worked that qualify for this program and am still making on-time payments every month. Current principle balance is {$310000.00}.
Complaint sub-issue: Sent card you never applied for

On XX/XX/2022, I received an unsolicited Citi Custom Cash credit card from Citibank. That same day, I tried to call the Citibank fraud number to cancel the card and request it be removed from my credit report, but I was on hold for XXXX minutes before giving up. I will try again tomorrow, but in the meantime, wanted to report this to CFPB.
Complaint sub-issue: Debt was result of identity theft

Debt was a result of identity theft, have tried to remove this account off my credit multiple times, the collector has not provided proof of validity. This debt does not belong to me.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
XXXX XXXX- XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem with fees

On XXXX I sent a letter to Key Bank at XXXX XXXX XXXX XXXX XXXX XXXX explaining there never was a late payment. Even as the minimum payment varied Example { Min payment due XX/XX/2022 was {$47.00} ) the month prior it was {$48.00}. now all of a sudden the min payment was accelerated to {$120.00} due in XX/XX/2022 there was no explanation as to why. Now they have revoked the use of my card and reported me delinquent to the credit rating agency. Thus effecting my credit score. Today I telephoned to see if they had received my letter and was told they had not. I believe this is fraud perpetrated against seniors.
Complaint sub-issue: Information belongs to someone else

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX # 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 following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/2021 ( XXXX mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.
Complaint sub-issue: Reporting company used your report improperly

Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action
Complaint sub-issue: Credit inquiries on your report that you don't recognize

credit bureau has been regularly and irregularly disseminating my proprietary and private information, as i am the holder in due course, and i demand that this cease, i have been the victim of identity tampering as the various name derivations and addresses can show. 
i do not want my social security number used without my consent nor any information i deem private. I will replace social security number with a number that can be substantiated via the Internal Revenue Service to consolidate my account ( s ). I demand compensation and the right of authorizing who gets to view my account data. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by Federal Law to verify - through the physical verification of the original signed consumer contravt - any and all accounts the Credit Bureau post on a credit report. Otherwise Anyone paying for thier credit reporting services could fax, mail, or email in a fraudulent account. I wish to stop any un authorized business from perusing my account at a whim, asd is now the case.