Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

We have decided after paying off my husbands student loans to make extra payments on mine to pay them off quickly with less interest. We went on the mygreatlakes.org website to pay a {$400.00} extra payment. My husband noticed pretty quickly that the website was not set up in a way to find " important '' repayment information. He tried to find out what my different loan interest rates were and I said, " no it is just XXXX loan ''. He has had more experience with these matters and informed me that there were actually several loans which would have different interest rates. He could not find them so he used the search function entering " my interest rate '' ... which did not lead to the interest rate. Now he was irritated and motivated to find them, which he did finally find them under a tab that was titled " Student Loan obligation Statement ''. With that completed we went on to make our extra payment on the highest interest rate loan. After going through the entire online payment process he realized it did not allude to nor give an option to pay the loans separately nor identify any of the interest rates. Frustrated he called them and asked how he would go about paying on XXXX loan? We were informed that you can not do it online ; we have been in other online websites for student loans which all show interest rates and give the option to apply your extra payment as you see fit. To apply the payment to a specific loan we had to call in and ask them to do such. Then he asked for email confirmation that this conversation had taken place and they were going to apply the money as requested. She said no we ca n't give you any confirmation you will have to call back in a couple of days to find out if it was done ... unreal. Another item to think about is that if you make any payment, although their website states how it is applies, there is no way to confirm or verify what was done with your money. There is no history or tracking of monies applied only monies paid ; talk about a lack of accountability to the customer. I am afraid that mistakes happen and errors can be made ... we, the account holders, should have full disclosure of all MONIES paid and how they are applied rather than a payment. 
My husband has the knowledge to see these things, but most I would say, including myself, do not. It would be nothing for this company to take advantage of us since there is literally no way to see or dispute anything they do. At best this is poor design, management, and oversight ... at worst this could be criminal. We have pics of the sight to show our claims if needed.
Complaint sub-issue: Their investigation did not fix an error on your report

Per the attached correspondence, XXXX submitted a request to Equifax to remove the hard inquiry from XXXX XXXX dated XX/XX/2018. 

It has been more than 30 days since the request was submitted, but the hard inquiry is still showing up on my account.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.
Complaint sub-issue: Debt is not yours

Per my last complaint. This account has been in dispute with Hunter Warfield since XX/XX/2018. A certified dispute was mailed to the collection company multiple times requesting an itemized report of the alleged amounts owed and why. A copy of the lease has been received from Hunter Warfield, but this company has failed to comply by my request of an ITEMIZED report of WHAT is owed and WHY. A copy of the lease does not fulfil the request of an itemized report of the amounts owed and why. I have request this information because I was NOT evicted from this property. I do not feel that I am obligated to any amounts owed. Hunter Warfield has had over 120 days to provide proper verification of the amounts owed via the multiple disputes received regarding this account. Based on my last complaint, Complaint # XXXX-XXXX, a representative from Hunter Warfield was able to confirm that they have indeed received my request for verification of the amounts owed. They have not provided proper verification of the amounts owed. By law Hunter Warfield is obligated to provide the requested information within 30 days of the initial dispute. They are now breaking the law by keeping this inaccuracy on my credit report without providing me with the requested documentation. I do plan to use my rights under FCRA, to sue for deformation of character. Again, this is against the law. Attached is another copy of the notarized Dismissal from XXXX County Court house. Please DELETE this account. Balance owed is {$0.00}. 

Thanks!
Complaint sub-issue: Account information incorrect

Credit report shows on my XXXX XXXX I owe XXXX  and a XXXX XXXX of XXXX incorrect information! I owe XXXX and my XXXX XXXX is XXXX! I have not owed XXXX on this XXXX. XXXX XXXX Credit Card shows I owe XXXX I paid my XXXX XXXX Card off on XX/XX/2022 I owe XXXX. This is false reporting on my XXXX XXXX by XXXX, XXXX and XXXX!
Complaint sub-issue: Card opened as result of identity theft or fraud

On XXXX  XX/XX/XXXX I opened an email from US Bank telling me to activate my credit card account ending in [ 4 digit number ]. The email was time stamped XX/XX/XXXX at XXXXXXXX XXXX and came fro XXXX. I called the number in the email : XXXX XXXX to let them know I had not applied for any credit card with US Bank in the last 18 months. They asked for my social security number and I refused to provide it. They asked for the account number and I gave them the [ 4 digit number ] provided to me in the email. They said they needed the whole account number. I explained I don't have one and asked they look that up with the data they had sent me in the email which was my former name " XXXX XXXX '' and the [ 4 digit number ]. They said they had to have my social security number or the 16 digit credit card number. I refused to provide by social security number. The lady at that number said I would have to call back M-F, XXXX XXXX XXXX XXXX XXXX  CT. Seriously, I asked? I'm trying to report a fraud and you want me to call you tomorrow between XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT?? She got annoyed, was rude and hung up on me. There is an email address in the email to use so I did : XXXX. I emailed them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received a letter via XXXX providing the same [ 4 digit number ] and REF number : XXXX. This letter has my former name and a former address and says " we are concerned that the information on the application may not be accurate or that you did not apply for this credit card ... '' Provides another phone number XXXX XXXX and says " specialists are available from XXXX XXXX XXXX XXXX XXXX XXXX '' M-F. I called them again on XX/XX/XXXX. They were rude again. I emailed them again. The two emails and their letter are in the attachment.
Complaint sub-issue: Information belongs to someone else

Hello! While analyzing my credit report, I noticed fraudulent accounts on my credit report. I got in touch with my cousin, who is an attorney and is familiar with credit law. So I filed an Identity theft Report. Please help me in this situation because I am in the process of purchasing my first lease property and I plan on closing in about two weeks so I want this process to be swift so I can move on with my life. Thank You for understanding.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.
Complaint sub-issue: Debt is not yours

According to my credit report on XX/XX/2016 I purchased something from XXXX. Jefferson Capital is now on my report, the collection agency. I have never been to a XXXX. Im guessing this was identity theft. I have disputed this with XXXX through XXXX XXXX and it was denied. Case number XXXX.
Complaint sub-issue: Information belongs to someone else

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$0.00} Alleged Date Opened : XX/XX/2016 Alleged Date Closed : XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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: Problem with personal statement of dispute

I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax has given my personal information to unknown individuals exposing me to the possibility of identity theft.
Complaint sub-issue: Information belongs to someone else

My name and personal info were in the XXXX XXXX XXXX and EQUIFAX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.
Complaint sub-issue: Can't close your account

I attempted to close my credit card with Commerce Bank on three separate occasions. The first time I tried online, received a notification on the screen that the account was closed, but it was still showing up 2 months later in my online banking page as active. The second time I tried over the phone, they claimed I could not close it because it had a pending charge. I asked to not let that charge go through, but they refused. The third time I went into the bank branch, with a family member as witness in XX/XX/XXXX, and closed both checking and credit card. I was assured the accounts were all closed and I had no cards or accounts with them. I continued to monitor my account, but 2 months after my online banking information was deleted as I had no accounts to watch. I then moved states a few months after that. I have received no contact from Commerce Bank. 

In XX/XX/XXXX, I received notice from the people that lived at my previous address that I had mail from Commerce. It ended up being a " missed payment '' notice. When I called the bank to inquire why this account was still actively being charged, they informed me that it had NEVER been closed and was still active. It was a fraudulent payment from XXXX in XX/XX/XXXX from California and is now on my credit report. This would not have been possible had they closed the account when they told me they did.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I called Citibank for fill disputes ( 10 ) ( 1 ) XXXX/19 {$1200.00} ( 2 ) XXXX/19 {$3300.00} ( 3 ) XXXX/19   {$3300.00} ( 4 ) XXXX19 {$4500.00} ( 5 ) XXXX/19 {$550.00} ( 6 ) XXXX/19 {$5000.00} ( 7 ) XXXX/19 {$2700.00} ( 8 ) XXXX/19 {$5000.00} ( 9 ) XXXX/19 {$3300.00} ( 10 ) XXXX/19 {$1600.00} totals : {$30000.00}
Complaint sub-issue: Account status incorrect

Enhanced Recovery is reporting an account from XXXX on my XXXX and XXXX Consumer reports incorrectly. I have sent them correspondence to which they have totally ignored. 
They are showing an opening date of the alleged account as XX/XX/XXXX. This is an impossibility. I have resided at my current address since XX/XX/XXXX. An address where all of the bills are in my husband 's name. 
This is a blatant attempt to re-age old debt to keep the statue of limitations alive. 
They are also reporting the date of last activity as XX/XX/XXXX, yet they claim the account was not opened until XX/XX/XXXX. This is yet another total impossibility!
Complaint sub-issue: Account status incorrect

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not. 

15 U.S.C 1681 602A states that U have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX, XXXX has XXXX my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Other problem getting your report or credit score

Equifax haven't been updating my information ( Credit Score ) since XX/XX/2014.
Complaint sub-issue: Called after sent written cease of comm

they sent a fax to the head of HR and accounting at my company with a fake wage garnishment form. luckily she realized it was fraudulent and illegal before sending it through to garnish my wages. I sent them an e-mail, fax, and certified letter telling them to cease and desist all contact with me and my employers. they continue to call and send e-mails to my company e-mail threatening to send another fax to garnish my wages. i received one of those emails agian today. i have included the latest e-mail. i told them to stop this harassment back in XXXX.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries Flagship Credit Acceptance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is 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 accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.
Complaint sub-issue: Information belongs to someone else

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX   XXXX, XXXX XXXX, XXXX XXXX  XXXX,
Complaint sub-issue: Card opened as result of identity theft or fraud

Through out XX/XX/2022, my best buy citibank credit card was fraudulent used for about {$3000.00}. I called best buy citibank to dispute transaction and reissue a new card for the first time. Before receiving the new card in the mail, someone already activated the new card and made purchase with it. The same thing happen 3 times, so I ended up demanding to close my credit card. Even after the request, I still see best buy allowing the theft to continue to open credit cards under my name. I have now XXXX credit card under my name, with XXXX reported lost or stolen and XXXX accounts remaining active. Bestbuy citibank fails horribly in protecting their customer 's from fraudulent transaction and identify theft activities. Now I have to fight with the credit bureau for these credit pull records which heavily bring down my XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax poorly performed its duties in seuring my personal and financial information. 

They were recently hacked ( XXXX XXXX, XXXX ), and have confirmed that I have been a victim of the hack ( as of XXXX/XXXX/XXXX ). The company demonstrated gross negligence in this matter by : 1 ) Waiting over a month to alert the public ( me ) of this breach and security risk.
2 ) failing to secure data in a manner accordance with the laws and standards ( PCI and PII compliance was not met ) 3 ) Acting insufficiently in the aftermath ( Filed a press conference as opposed to contacting me directly, having a weak PIN solution for credit freezes ) Due to this breach, from this point forward I need to be vigilant over my credit report as now anyone can have access to all of my personal data. This will require at a minimum, a premium monitoring solution. It 's entirely reasonable to assume that I will also need to deal with a compromised identity in the future, which will take hours of personal time and effort to mitigate, and can potentially range into the hundreds of thousands of dollars in damages.
Complaint sub-issue: Public record information inaccurate

Credit score and collections are inaccurate
Complaint sub-issue: Public record

Disputed public judgement on credit report. Confirmed with attorney that judgement was against a property ( " in rem '' ), not myself personally. Boilerplate response from Equifax.
Complaint sub-issue: Information belongs to someone else

There is Information being reported on my consumer report that doesn't belong to me, I have disputed the items and I would like them removed immediately. I do not give consent or permission for Equifax to furnish this information.