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

Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK, 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 an open end consumer credit plan as late for k purpose.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards
Complaint sub-issue: Reporting company used your report improperly

Inaccurate information on my credit report
Complaint sub-issue: Information belongs to someone else

I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 17 fraud inquiries from XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Transcript Follow along using the transcript.
Complaint sub-issue: Information is not mine

XXXX out of XXXX of my addresses are correct, # XXXX is incorrect, I am from XXXX and that # 4 address is from XXXX, found at credit report from EquiFax, employment History is correct. 
I think, someone else used my identification, I would greatly appreciate in advance your great support. 
XXXX.
Complaint sub-issue: Public record information inaccurate

Early winter XXXX I bought a frig thru Sears with 5 % reduction and 30 day return. I exchanged frig for a larger one with same t/c. My Sears account became a CITI account somewhere along the process. Early Spring I bought a XXXX gas range on same account as frig. Both on one year warranty. XX/XX/XXXX the range exploded and burned my house 100 %. No pmts after this. My view was Sears owed me new products or return of funds. CITI labeled me bad and my credit went from XXXX to near XXXX. CITI said it was a SEARS issue. Sears went into bankruptcy and did not handle warranty.

When Sears finally settled its court time, CITI had long ago called me a flake and turned me to collection. 

I hired XXXX  to fix my rating which they failed to do. Now, my getting credit is not possible with a bad record and my age, XXXX. 

I NEED DIRECTION XXXX XXXX
Complaint sub-issue: Billing problem

Since the beginning of my lease, they have been applying payments incorrectly so every month my late fees were getting further and further behind. Now they are saying i owe all of that because the system they were putting my additional payments towards the base rent instead of applying those payments to any additional charges they were charging. 

Started lease payments in XX/XX/XXXX. In year XXXX I made 8 payments and including additional charges for taxes and late fees. So total of 5 late fees in that year which i already paid. Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

For payments in XXXX, Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

My statements shows i am past due payments totaling in over XXXX dollars every month when my lease payment is XXXX a month. Most of those months i paid XXXX or XXXX or XXXX higher to pay off late fees they keep on assessing. Every time they did not apply those late fees to any of my late fees. 

They will not correct the issue, and say i am still behind payments, but i have paid XXXX payments in year XXXX so i am not behind and made the full payments for year XXXX. I call the company every single month and have to correct this every time they say they will take care of it then assess me even more fees the next month. I have emailed that company to complain and they respond saying to reach a different dept no one wants to help out and i am about to take them to small claims for all the late fees i have paid them since they can't get it right and apply the payments correctly. 

Someone needs to stop this company from earing XXXX 's of dollars of people like me charging erroneous charges. For all the time i have had to miss work to call them and complain to the company they should be paying me for all the frustration and wasted hours on the phone.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2019 I checked my balance by phone before going to the store. I noticed that my account balance was several hundred dollars less than it should be. I tried to log into the direct Express site, to check my balance, but it would not let me. I tried to contact direct Express and after several calls that could not go through due to high call volume and 40 minutes on hold I was finally able to reach someone. I asked him what the charges we and he told me there was one from XXXX totaling XXXX dollars and to call XXXX to have them stop the charges. He did not have me cancel my card or tell me that there was another charge to XXXX of XXXX dollars. I contacted XXXX who did not come up with anything in an investigation. I tried contacting direct Express for 3 days and again due to high call volumes could not get ahold of anyone. While this was happening there were 4 more fraudulent charges 2 foriegn and 2 from XXXX in XXXX  made on my card. When I finally was able to get ahold of someone she had me cancel my card, told me she was sending a new one and a package to despute the charges and asked if I wanted expedited shipping on the card for a charge to which I said no. A few days later I got an email from ups saying they had delivered my card, the card was delivered to the wrong address, and the despute packet never arrived. When I contacted direct Express about  the card being delivered to the wrong address and not receiving the packet, they said they would send a card, but I would be charged for it. I told them I should not be charged because they sent it to the wrong address, to which they said they would waive the fee and send the despute packet. On XX/XX/XXXX they charged me XXXX for expedited Shipping of the card which I explicitly said I did not want, and they never sent me a despute packet. On XX/XX/XXXX they gave provisional credits for 2 of the purchases while they investigated the charges. I still had not received the packet to despute the charges and include my police report. And they did not credit me for the 4 other fraudulent charges. XX/XX/XXXX I recieved a letter saying they had investigated and were not able to prove fraud had occurred and will be reversing my credit and be taking XXXX back from my card. Again I was never provided the packet to despute or provide further information for their investigation including a police report and the facts that 4 of the charges were in California and two out of the country in a foriegn language while I live in kansas. I am on disability and them taking the money back is detrimental to me and my living situation. I have not been able to get ahold of anyone at direct Express since  receiving the last letter. There are no family members or friends that have access to my card, all of these charges occurred while I was sleeping.
Complaint sub-issue: Account information incorrect

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

XXXX and Equifax has failed to validate debts ... the accounts were indeed settled with original creditors ...

XXXX Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX Equifax   Accounts Credit Protection Opened XX/XX/XXXX{$250.00} Original creditor : XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX made four ( 4 ) calls to my beloved wife XXXX and me between XXXX XXXX XXXX XXXX XXXX on XXXX XXXX,2020. Two ( 2 ) for XXXX and two ( 2 ) for me! This in an attempt by XXXX XXXX to collect an alleged balance due and owing. I have several times by email objected to XXXX XXXX. 

In addition, XXXX XXXX repeatedly told me that my balance was XXXX as I had cancelled the XXXX XXXX service as of XXXX XXXX,2020. Repeatedly XXXX XXXX emailed that my balance is XXXX. Then without my knowledge XXXX XXXX referred a claim to Afni Collection Agency that demands payment. XXXX XXXX although it had repeatedly told me my balance was XXXX nevertheless without giving me prior notice of an alleged bill due and owing sent the bill to this collection agency. Most dishonorable and deceptive!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, 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.
Complaint sub-issue: Public record information inaccurate

All of my major credit bureaus are correctly reporting that I have no public records. A former bankruptcy was properly deleted in XXXX 2019. However, they continue to say I have a bankruptcy on their XXXX score which all three of the major compile. I would like it removed.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX AXXXX 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 Please delete these items from my accounts as soon as possible.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Complaint sub-issue: Card was charged for something you did not purchase with the card

For 8 months I have been fraudulently charged by US Bank on a XXXX XXXX XXXX credit card. 
Since XXXX of XXXX I have been getting a XXXX XXXX charge in the amount of {$9.00}. I have been disputing these charges since noticing them in XXXX of XXXX. I do not have an XXXX and this credit card has never been linked to a XXXX account. For 4 months I have been disputing these fraudulent charges. Every month they reverse the charges and send me a new credit card and assure me that they are blocking these {$9.00} charges. The charges keep coming even after being promised they would never appear again, at least 4 times!
Complaint sub-issue: Account status

Two months ago, when I checked my credit report, I realized Equifax report was wrong, my credit score with the other bureau was XXXX and Equifax was reporting XXXX, so I contacted them via fax and USPS registered post. 4 weeks later XXXX XXXX, 2016 I received their replay and they confirmed that the report was amended ( copy attached ). But the report was wrong again, I contacted them immediately via fax and USPS post and this time I attached XXXX XXXX Court Order Dismissal and Case closed order Case # XXXX XXXX XXXX 2016 ( Defendant Motion to Dismiss GRANTED - CASE IS CLOSED ), I received their reply XXXX XXXX 2016 Ref : XXXX / No historical account info was deleted and still reporting XXXX missed payments and status FORECLOSURE Pending!!! 
There is no Foreclosure order or pending court order for this property, lender is lying. 
Equifax ignored XXXX Court Ordder and continue reporting our property FORECLOSURE status. My credit card application with XXXX XXXX was declined because of their mistakes ( see attached letter from XXXX XXXX Bank ) I can not no longer continue arguing with these people, can you please help me to resolve this matter amicably before I take legal action against Equifax. 
Thank you and Kind regards XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that Equifax was in violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX in the amount of {$110.00} ) Each violation is regulated by the FCRA with a remedy amount of $ XXXXViolation ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Complaint sub-issue: Information belongs to someone else

Despite my multiple attempts to correct my Credit File by removing the fraudulent accounts and information off my Credit Report, the Credit Bureaus have been doing nothing! My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items completely from my Credit File : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX : {$760.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$240.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXX/XX/XXXX. You have also been failing to send me copied of proof of veRification of proof of ownership, yet you have been continuing to report these items which is a clear violation of my consumer rights. If you are not able to provide these documents you should have removed these items.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/XXXX Equifax removed my XXXX XXXX Account for now reason. XXXX XXXX  does report to Equifax and Equifax has been reporting the account from XX/XX/XXXX, when the account was opened, up until XX/XX/XXXX when they removed the account and stopped reporting it for an unknown reason. When asked why they removed the account and stopped reporting the account I was given the run around and never given n answer. At one time in XXXX, XXXX I was told by an agent at Equifax that the account would appear back on my Equifax XXXX XXXX within XXXX hours after she " manually '' submitted information. That never happened. I spent XXXX XXXX working with XXXX Bank trying to resolve the problem only to receive notification that Equifax was the one who removed the account, Equifax would not provide a reason to them why the account was removed, and that I would have to work with Equifax to resolve the reporting problem, which I did up until about a week ago. My XXXX Bank XXXX account regularly reports to my other Credit Profiles XXXX XXXX and XXXX in a timely manner. I have also recently has problems with Equifax inaccurately reporting several other accounts on my Equifax file. However, this is the one that most affects my credit score since it is an open, active account that is always paid on time and in full. I have sent Equifax documentation that the account is a valid account open, and in good standing several times over the past XXXX months.
Complaint sub-issue: Investigation took more than 30 days

XXXX is a fraud account. I never opened an account with XXXX. Please remove and delete immediately from my Equifax credit report.
Complaint sub-issue: Company closed your account

Opened Citi checking account on the XXXX. Deposited {$15000.00} from my XXXX account and additional funds from my XXXX XXXX account. I made several payments, which were pending, and suddenly the day after scheduling and making payments, Citi closed my account. I was locked out of my account, could not obtain any information, and could not access my funds. Rather than allowing me the decency of knowing why it was closed and allowing me to withdraw the funds, Citi 's " back office '' closed the account without notification. I called customer service and spoke to account supervisors. None could describe the reason, nor answer questions about pending payments. Just that I would receive a letter in 30 - 60 days and a separate check in the mail of the remaining funds, which I can not verify or crosscheck the information due to being locked out. This is not only an unfair business practice to withhold funds, but it is egregious. I can not pay my bills, access my own money, and I feel helpless to do anything. It is unacceptable.
Complaint sub-issue: Trouble with how payments are being handled

My grievance is that Pennsylvania Higher Education Assistance Agency will not count my current or past payments as qualifying payments towards the PSLF. Before I upload documents to their service department I am funneled into choosing a category/reason for uploading so that an automatic robotic response is given based on the category chosen. I used this means to upload proof of payment history and supporting documents and receive an automatic response based on the category rather than a personal response from someone who read through my documents. On XX/XX/XXXX my student loans were transferred from XXXX to Pennsylvania Higher Education Assistance Agency XX/XX/XXXX : I called the Dept. of Education number from studentloans.gov and spoke to representative. Here are to key points to that conversation : 1. I was told to get onto an income based payment plan in order to make qualifying payments for the PSLF 2. I was told that as long as I was on one of these payment plans my payments could be backdated as qualifying payments once my employer was certified as a qualifying non-profit agency.
3. I was placed on the REPAYE payment plan during our conversation. I remained with XXXX as my loan servicer at this time until my employer was verified as qualifying. I made monthly payments and was able to submit my employer as qualifying. Upon verification of my employer, my loan was transferred to Pennsylvania Higher Education Assistance Agency and have spoken with them and emailed proof and payment history showing them that A. I have been on a qualified payment plan since XX/XX/XXXX and B. I have been making monthly payments faithfully under that plan that should have " qualified ''. C. They are aware that i qualify because they recalculated my payments two months ago and my past two payments STILL do n't qualify according to their robots.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax dont get XXXX in on this false inaccurate credit maniplation by this alleged furnisher i give you promission to investigate the enclosed matter and show proof of payment receipts in writing and all documents requested if not remove this account