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

A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( XXXX # XXXX ). XXXX XXXX, DPT EDXXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 an account without my written instructions.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I did not receive my Social Security payment for XXXX and XX/XX/2020. 

Social Security Administration said they sent the payment to Direct Express. 

Direct Express said they did not get any from Social Security. 

Both are ping-pong me back to each other.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX  and equifax completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.experian came back certified that they are mine.both XXXX and equifax verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Complaint sub-issue: Attempted to collect wrong amount

This bill was covered by XXXX XXXX  XXXX XXXX XXXX but the Collection Agency somehow got my information and says I need to pay {$740.00}. 
The actual bill was {$540.00}. XXXX XXXX  paid this as I was unable to pay it due to not working. 
I have tried several times to resolve this and I got threatened with a lawsuit and I was told they will place it as a collection. 
I called again and I was hung up on 4 times in 1 week Please help me remove this as this collection agency is very vicious and unconcerned to resolve my issue even after they got a letter from XXXX XXXX stating this debt was paid as XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Regarding the CFPB case # XXXX ; The company Sears responded to the above case, but they did not solve the issue in a proper way. 

When I look at the documents sent by Sears, I saw 2 errors that a credit applicant ( me ) can not do. 

Sears First error : In their records, the name is seen as " XXXX XXXX XXXX ''. 
My name is " XXXX XXXX XXXX '', like a normal person I did not provide this information to Sears to open a credit card ( Even in the case they look at my ID card, they would see that my name is not XXXX XXXX XXXX ). I always use my name correctly when I apply for credit. This shows that the account is opened in an unresponsive manner. 

Second error : Company wrote that they sent all statements to my address when I mentioned that I never ever get any statement. According to their records, the credit card was opened at XX/XX/2017.  At that date, my residential address was " XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NJ ''. 
I never gave the address that Sears has in their records for a credit card. 

I have no idea how Sears opened a credit card with a false name and with a false address on my SSN. 

So, I had no information about the credit card, I never got their statements and because of unresponsible behavior of Sears, my  credit reports show 30 and 60 days late payment, my credit score drops. I suffer to get high APR for my Auto Loans and Mortgage payments. 

As a responsible credit user, I always paid all my loans on time in all my credit history. Sears ' unresponsible behavior created serious delinquency in my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment that resulted to this account getting a charged-off. This is paid already. 

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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Account terms

On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Contacted XXXX XXXX XXXX via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a third request on XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX and XX/XX/XXXX reached out to XXXX XXXX AND XXXX via phone and online DISPUTES regarding accounts with NELNET that are stilled listed as OPEN on my credit reports. Contacted NELNET XXXX for DISPUTE regarding accounts also. Reached out to XXXX XXXX XXXX regarding account in the account of {$250.00} that was PAID. All of my loans with NELNET have been CLOSED and PAID.
Complaint sub-issue: Information belongs to someone else

FTC VIOLATON WRONG SOCIAL ALL REPORTS
Complaint sub-issue: Inadequate help over the phone

Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXXl ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Reporting company used your report improperly

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
DELETE THESE ACCOUNTS : XXXX. XXXX, XXXX XXXX, XXXX XXXX  XXXX, AL XXXX, XXXX XXXX  XXXX, AL XXXX XXXX/XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX CORRECT LATE PAYMENTS ON : XXXX XXXX, XXXX/XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX REMOVE THESE INQUIRIES FROM MY REPORT : 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: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Account information incorrect

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Complaint sub-issue: Old information reappears or never goes away

These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
Complaint sub-issue: Public record

This Georgia State Tax Lien should be removed from my credit report. It was paid and was reported as a lien in error. I contacted XXXX XXXX and they stated to me that it was up to the credit reporting agency to remove. 

This Georgia State tax Lien should be removed.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Can't use card to make purchases

Approved for XXXX XXXX XXXX XXXX up to {$15000.00} on XX/XX/22 for a promotional period of 6 months. 

No card received, unable to use loan amount as of XX/XX/22. Thats is a XXXX of the promotional period amount.
Complaint sub-issue: Didn't receive terms that were advertised

Received Mailer from PNC on XX/XX/XXXX offering {$500.00} bonus for opening a XXXX XXXX XXXX XXXX Link on the mailer was XXXX and took you to this page - https : //www.pnc.com/XXXX  XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX The Full terms are present there. 

Account was opened on XXXX XXXX Contacted PNC multiple times to ask about the bonus and got different answers. 

First time - No Bonus 2nd Time - {$300.00} Bonus 3rd Time - I asked why is it {$300.00} when I signed up for {$500.00}. Rep then has the audacity to claim " PNC HAS NEVER OFFERED A {$500.00} BONUS IN OUR HISTORY '' and refuses to proceed further. 

I am at my wits end. I have attached a screenshot of the offer I signed up for below
Complaint sub-issue: Problem lowering your monthly payments

I have a consolidated Federal Loan with Nelnet and I am under an Income-Based Repayment Plan. My income went up by about XXXX in XXXX year but my payment went form XXXX XXXXXXXX/month to XXXX XXXXmonth. I live in XXXX XXXX and the cost of living is much higher in XXXX as opposed to most of the rest of the country, yet this is not taken into account when calculating my repayment amount per month. I also have a child dependent and can no longer afford to pay XXXX XXXXXXXX/month with rising inflation. I have engaged Nelnet on this topic in XXXX and was told there was nothing they could do unless I wanted to change my repayment plan which is not in my best interest because my loan will be forgiven in about XXXX years.
Complaint sub-issue: Problem with fees

The primary purpose of my message is to file a complaint against Citibank , N.A . ( dba Best Buy Credit Services ) regarding our Best Buy XXXX credit card. The treatment I received aligns with well-documented complaints of inflexible late fees and interest charges from other consumers four times as many complaints as the next-closest bank ( according to the Consumer Financial Protection Bureau ). While Citibanks accounting methods may not be illegal, I submit the ethics of Citibanks business practices are questionable ( at best ). 

On XX/XX/XXXX XXXX last Thanksgiving Day XXXX, I opened a Best Buy XXXX  XXXX  account for the benefit of a deferred interest promotional offer. On the first page of the first statement we received, Citibank ( which issued the account ) stipulated, You must pay your promotional balance... in full by XX/XX/XXXX to avoid paying deferred interest charges. Under the Deferred Interest Promotional Offer Update heading on page three of the same statement, it said, No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required. 

The first statement we received had a closing date of XX/XX/XXXX, with a minimum payment of {$28.00} due by XX/XX/XXXX. Although Citibank did not expect/require payment until XX/XX/XXXX, I made a payment of {$80.00} ( toward purchases of {$460.00} XXXX in XX/XX/XXXX already. From XXXX to XXXX, I made monthly payments of {$80.00} each, and a final payment of {$65.00} in XX/XX/XXXX, for a total of {$460.00} ( the purchase amount ). As a consequence of their billing practices, I ended up with {$330.00} in accumulated late fees and interest. 

Yesterday XXXX XX/XX/XXXX XXXX, I spent several hours on the phone with several Citibank representatives. The first call ended abruptly mid-sentence. ( Its possible that we simply got disconnected, but it really sounded like a hang-up. ) Eventually, after two more calls and speaking to four more people ( with lengthy holds between each person ), I had explained our story five times. 

The last agent offered a settlement. Seemingly, Citibanks policy precludes the phone agents from removing late fees and interest charges. Regrettably, I accepted their settlement offer of {$180.00} for one simple reason : We have an excellent credit score and I am unwilling to gamble with it. 

To be sure, I made payments of significantly more than the minimum amount each month and paid the full balance nearly a month early. As such, I honestly do not believe that I owe ( d ) the {$330.00} in accumulated late fees and interest charges. Also, I have no reasonable expectation ( or confidence ) that Citibank will make it right, although Im ready to be wrong in this. One can only hope that Citibank will be held accountable for these egregious practices.
Complaint sub-issue: Didn't receive notice of right to dispute

EOS CCA is has reported a collection account on my credit which has severely impacted my scores and my ability to obtain decent housing. I was informed that my scores dropped and I was no longer eligible for a housing grant. EOS CCA is collecting for a XXXX XXXX bill from XX/XX/XXXX or XX/XX/XXXX but they list the account as opening in XX/XX/XXXX which is incorrect and impacts my scores more than if it was accurately reported. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX states that credit should be reported accurately and if it is not the reporting creditor may be subject to damages. This is also a violation of FCRA Section 605 ( c ). 
When I discovered this collection account I asked EOS CCA to remove the account because 1- I do not believe I owe this debt and have previously made XXXX aware of this, 2- I believe this account is past the statute of limitations. XXXX is aware of the disputed account and EOS CCA has never attempted to validate the debt since I learned of it. I have not received anything from them since. They have refused to validate the debt. They never attempted to validate the debt before reporting it as I have lived at the same address for many years. This is a violation of FDCPA FDCPA Section 809 ( b ) and the FTC opinion letter from XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I want to bring into your notice that on XXXX XXXX I disputed with Equifax credit bureau the inaccurate information included in my credit report, but over 41 days now and still, there were no changes or any improvements in my file. I would like to stress out that unproven accounts must not continue to appear in the report as per the law. Also, Section 611 ( a ), definitely stated that a failure to investigate the negative items within 30 days gives a reason to immediately remove the item from my credit report.
Complaint sub-issue: Information belongs to someone else

Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.
Complaint sub-issue: Account information incorrect

Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This causing injury to my person because I am not able to obtain new credit based on these false invalidating claims.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX REQUEST FOR INFORMATION TO ORIGINAL CREDITOR This is a notice of request information. 

Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures Date of First Delinquency I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 

Please forward all correspondence regarding this matter to the address stated above Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX  - {$170.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$620.00} XXXX XXXX - {$680.00} XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Complaint sub-issue: Account status incorrect

This account with XXXX XXXX XXXX  is showing a balance after being charged off. It is still reporting as late every month
Complaint sub-issue: Investigation took more than 30 days

I am attaching a copy of the investigation request letter that my husband and I sent to the credit bureaus on XX/XX/2019. According to credit law, they were supposed to investigate the disputed accounts and respond within a months time. Over 45 days have passed, and we have yet to receive a response.