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 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 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: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX XXXX XXXX Balance {$0.00} Inquiry : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, 2020
Complaint sub-issue: Can't close your account

I mailed a request to close my checking account with Citibank in XX/XX/XXXX. At that time the account balance was {$0.00}, with no transactions pending or scheduled for the future. 

I received an e-mail notification on XX/XX/XXXX that a $ 12 monthly fee had been charged and my account was overdrawn. I spoke with Citibank via phone later that day, and reiterated my intent to close the account. I was told the fee had been removed, and my account had been closed. I then received another e-mail on XX/XX/XXXX indicating that a {$46.00} fee had been charged, and my account was therefore overdrawn. I spoke with Citibank via phone later that day, and again reiterated my intent to close the account, and was again told the fee had been removed and my account had been closed. I then received another e-mail from Citibank on XX/XX/XXXX indicating my account was overdrawn by {$34.00}, and a demand for payment of the fee, or the account would be closed.
Complaint sub-issue: Their investigation did not fix an error on your report

How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.
Complaint sub-issue: Their investigation did not fix an error on your report

I had disputed this account previously -- - each and every time they claim that they have verified and information are correct. But they had failed to properly investigate the information as I found several incomplete and inaccurate information across all 3 bureaus for this same account.

Company said they verified -- - however, there are missing payment data for years, the date last active, date last paid, date last reported, date of status update were either missing or incorrectly, incompletely reported.They said its verified as accurate but failed to update the date last reported. In addition, there should NOT be any activity after the account is closed or charged off -- - yet some of these are incorrect, inaccurately reported. Reports also had different dates. Delete this account as Notice of disputes, date last disputed were missing, incomplete or inaccurate and not entered within 30 days of receipt -- -this account MUST BE DELETED for violation of Section 623.
Complaint sub-issue: Their investigation did not fix an error on your report

The creditor has violated my rights by failing to verify the debt and correctly report accurate information on my credit report. 

failing to identify who holds the debt using the telephone to harass debtors by calling anonymously or making repeated or continuous calls I sent a letter to matco tools asking for : 1. Validation of the debt-that is, the actual accounting.

2. Verification of the signed invoice 3. A copy of the contract binding both parties ( You and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered ''.

However according to 15 Usc 1692e, 15 usc 1692d and 15 usc 1692b Not using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Complaint sub-issue: Was not notified of investigation status or results

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a FTC report to Equifax and they have yet to remove the fraudulent accounts and inquiries from my consumer report. They have violated numerous sections of the FCRA. Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 
I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If these accounts and inquiries is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Complaint sub-issue: Can't get flexible payment options

My private loans are serviced through AES. I lost my job in  XXXX  and have been struggling to make my payments. I was finally able to file for a loan modification. After spending {$45.00} to overnight the information ( which wa s 50+ pages ), I was to ld that not everything was turned in correctly and that they needed more information. I called  FOUR different times, talking to FOUR different representatives that all told me something different on what other information I needed to send in. I was assured that the information I sent in the last time was correct. While still waiting to find out a decision I called tonight and was told once again that I did n't have the correct information, which now it is past the 10 day period to turn in additional information and I 'm being told I would have to start all over. While in this state of trying to get my payments lowered, they have since increased my payments again. I have no idea how I am expected to pay almost {$600.00} a month when I am not working and only have my husbands income. It is so frustrating to do everything you are told to do and still they find another excuse on something that was not turned in. For example, my grandfather is my cosigner and I had to send in all the student loans he is on. The only loans are through AES and I have printed statements for both my sister and myself and I 'm now being told since they do n't have his name on them it 's not good enough. When the loans are serviced BY AES and tha t 's who I 'm trying to get the modification though!! I 'm guessing the only thing I can do at this point is stop paying them a nd hope that when I default they will accept a reasonable amount of money each month instead of almost 2 weeks of pay. And I really hope for all the other poor people trying to get help that they train their employees to be all on the same page and not  give someone a different answer every single time they call in.
Complaint sub-issue: Public record information inaccurate

Checkr has repeatedly reported that I was XXXX  and XXXX  of a crime. I was actually found not guilty and the case was sealed by the judge. The only permitted access to have knowledge of the XXXX and/or court proceedings, is only to be known by law independent snd no outside of government agency is allowed to possess, report, or give knowledge of any of the events of the case. 
They refuse to remove the XXXX information and have caused me financial and XXXX problems and had kept me from obtaining and remaining gainfully employed multiple times over the past several years. Snd they still refuse to remove the false and sealed files.
Complaint sub-issue: Information belongs to someone else

I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX 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
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After noticing a 64 point notice on my Equifax report, I attempted to contact Equifax for an explanation. After being sent in automated circles, then cut off from a live person by an automated survey, I was finally able to talk to a live person. However, this person could not explain the 64 point drop to me, and only gave me vague possibilities, which I easily deflected by facts in my credit history. This Equifax representative told me that no one at Equifax could explain the reason behind my credit score, and that it was not possible to make an in person appointment to have my score explained to me. Over the last two weeks, there have been three senseless changes to my Equifax credit score : A decrease of 56 points on XXXX/XXXX/2020, an increase of 56 points on XXXX/XXXX/2020, and a decrease of 64 points on XX/XX/2020. There have been no drastic changes in my managing of my finances, and no justification for these changes, especially the most recent change. Equifax has been extremely unhelpful, and in my opinion is deliberately manipulating my credit file. I need this to be addressed.
Complaint sub-issue: Information is not mine

Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX '' under the " Request For Your Credit History '' section it unlawfully list a : " XXXX XXXX ; XXXX XXXX XXXX ; XXXX, RI ; XXXX ( with NO telephone listed ) '' with the " Inquiry Dates '' of " XXXX/XXXX/XXXX '' and " XXXX/XXXX/XXXX. '' I have NO idea of this " XXXX XXXX '' and why they even unlawfully accessed my " Equifax '' credit report TWICE without my knowledge or approval since I have NOT applied for credit cards, etc. for the last 36 months!!! I am a victim of " Identity Theft. ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for et9k purpose.

446
Complaint sub-issue: Fee problem

charged for a free account. was never told or sent any info on fees or chrager. refuse refund or help closing account
Complaint sub-issue: Didn't receive enough information to verify debt

My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX XXXX. There is only one source of information which is the original creditor of this alleged account. How can the date of activity be different for every bureau if all of you should be verifying your information from the same source? Immediately Update this account. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX moved from XXXX fl due to divorce. I. systems listed it on my credit report when all bills to be paid by ex. I called them, XXXX had no record, IC had no validation and I disputed. They sold the debt so now instead of falling off on XXXX, they sold it again and date opened shows XXXX. I have called multiple times for proof of debt, charges etc and they have said they assumed debt and have nothing on file. They have shut me down at every turn. They are acting against Fair Debt Collection, purposefully fighting the wrong party and trying to harass me by dragging out date account opened ( XXXX only date I first noticed, now XXXX ). I want it removed. My credit is perfect except for them. Please help me. Im at wits end.
Complaint sub-issue: Information is missing that should be on the report

There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.
Complaint sub-issue: Was not notified of investigation status or results

I sent, via certified mail, Equifax a Method of Verification Request for a collections and a closed account, XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. 

Equifax received and signed for the requests on XX/XX/XXXX. By federal law, Equifax has 15 days to provide me with the description of the methods used to verify the accounts. After having not been provided with the requested information, on XX/XX/XXXX I sent Equifax an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, Equifax has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get Equifax to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX and XXXX XXXX accounts, or delete the accounts from my credit profile.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have made a payment on my medical bill to the debt collector, on XX/XX/2022. I had received a letter on Friday, XX/XX/XXXX, stating that I did not pay my bill for XXXX, and that they have done all they could do to collect. I have attached my bank statement, showing the date when my payment went out, as well as the letter showing they have exhausted every effort, and option to collect payment.
Complaint sub-issue: Threatened to sue you for very old debt

I am a merchant who processes credit card tranactions in the course of business . Hunter Warfield is  a commercial collection company attempting to collect a debt on behalf of  XXXX   XXXX  leasing, a company which leases equipment to such merchants. The dates of service originates with the original agreement dated  XXXX , and which was terminated upon closing of a business on  XXXX . Unknown to  Hunter Warfield, t he attempt to collect monies by  XXXX  is based upon fraudulent documentation. This is being dealt with through separate complaints with the CFPB anf the FTC. I have notified Hunter Warfield of my action in a recorded conversation ( names and dates on request ). There was no attempt to rectify the situation, as the representative simply said " have a good day '' and hung up, which I expected. The collection company is simply acting as directed. In correspondence from  Hunter Warfield,   they threatened collection efforts to negatively impact my " credit worthiness '' ( which is sterling ) due to my " delinquency, '' as well as threatening litigation. I informed them that they were acting on a false premise, and it is expected that they will act accordingly. I am in possession of all pertinent documents, names and dates
Complaint sub-issue: Problem during payment process

Home Depot credit card number on bill does not match my Home Depot Credit Card number ; address for the payment to Home Depot is not a valid payment address. Payments that are made are not credited to my bill but they are taken out of my checking account.