Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for US Bank or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. And I strongly disagree. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used their credit card and my signature from the one on the application was different. They also showed me an itemized bill, There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for US bank. I have never applied nor used their CC. and I filed a police report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX   - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the equifax data breach and XXXX XXXX breach and may have reached the hands of a fraudulent person
Complaint sub-issue: Their investigation did not fix an error on your report

I received 100 % Total XXXXisability rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, XXXX and Equifax 's reports. XXXX shows completed, however the past due dates are still present on the credit report. XXXX and Equifax have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, XXXX, and Equifax are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving Equifax and I believe I have been affected.
Complaint sub-issue: Didn't receive services that were advertised

Someone used my identity to ATTEND COLLEGE disburstments were made funds were never recieved.
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 604 ASection 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 any purpose
Complaint sub-issue: Information belongs to someone else

Equifax is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX Equifax Mortgage Serv XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on Equifax XXXX and XXXX that I would like removed from all of these bureaus
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Debt is not mine

Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a collection that I would like a validation of debt for this account.
Complaint sub-issue: Information is not mine

I retrieved my credit report five days ago. Among other things, I found that someone has posted to Equifax two almost identical entries that I owe to someone {$44.00} each. The person who posted those entries did so anonymously. I do not know who did that. I do not know to whom I am supposed to owe {$44.00} twice.
Complaint sub-issue: Trouble with how payments are being handled

I have been on an Income Base Student Loan Repayment for 11 years now. I applied around XX/XX/XXXX for the Public Service Loan Forgiveness plan the government has so my student loan servicing company switched from XXXX to fedloan. Final XX/XX/XXXX I called fedloan find out the status because I only have to make 120 qualifying loan payments for the loan to be forgiven and I have made them. after speaking to a fedloan representative ( id # XXXX ) he informed me that the records show I have only made 1 payment out of the 120. He stated that I have been on a different payment plan, I told him thats not true because I fill out the information every year to re-qualify and it says IBSLR plan. The representative told me unless I could show proof for the last 11 years there was nothing he could do. I told him I wanted to file a complaint and wanted an investigation started, he said with no evidence he would not do that. I told him I wanted to speak to a supervisor, he ask why I told him to file a complaint against him for not doing his job, he laughed and said give him a minute. He then came back and said he was able to see in XX/XX/XXXX a letter sent out saying it was time to renew the income base plan, I told him I still wanted to speak with a supervisor so he transferred me. Supervisor ( id # XXXX ) answered I explained all to her then she says noting they can do I would have to pay for another 10 years before I would be eligible. We went back and forth I told her the other guy found a XX/XX/XXXX document she said she could not find it and could not contact the other representative about it I was just out of luck. I told her I wanted to file a complaint and investigation she said I could not do that. I stated I would be calling the Department of Education to file a complaint against her. After back and forth she finally told me she would start an investigation even though she just said I cant do that. She then told me to investigate they would have to go thru 11 years of paperwork XXXX sent them to make an assessment of how many payments I have made that qualifies for the Public Service Loan Forgiveness plan and it will take 6 months to a year to complete. I told her that is unacceptable and she said that is the way it will be that I can just continue to make the payments because ( she said in a different tone of voice ) I am not eligible for the PUBLIC SERVICE LOAN FORGIVENESS. In my opinion fedloan is discriminating against XXXX XXXX workers. I have already meet the 120 payment requirement and submitted all paperwork to be eligible. Please help with this incident. 

Thank you,
Complaint sub-issue: Debt was paid

In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed accounts.
Complaint sub-issue: Deposits and withdrawals

I have a XXXX XXXX and Im having problems linking my account with that app.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2016 Carter-Young Inc added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Carter-Young Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XX/XX/XXXX, I filed to recertify my student loan payment. My husband and I filed separate XXXX returns and I deliberately waited until they were processed before filing the recertification. I requested XXXX to review the tax information provided by the IRS transfer tool and switch me to the lowest payment plan ( this was confirmed by the agent ). However, when they re-certified it, they didn't switch the plan and they re-certified it at a higher payment. When I called to ask what they were doing, initially the agent told me it was because I had " access '' to my husband 's income! I know that's not true and I asked her when they decided that was a factor. Then she came back and said that unless I specifically told them to put me on the IBR ( which would have excluded my husband 's income ) their version of switching me to the lowest payment plan was to keep me on the same payment plan. Then she told me I needed to apply all over again but tell them specifically which plan I wanted or they would just leave me on the REPAYE. Since when do they just make up the rules about which plan they want me to have and ignore my requests or the law which says not to include my spouse 's income if we file separately? What if I literally had no knowledge of how this works and just accepted it? I'm sure there are many people that do not know how the payment plan options work and would have just accepted it. I plan to call back and request a supervisor who will hopefully be able to help me without me having to wait another month for a proper revision.
Complaint sub-issue: Account information incorrect

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. XXXX XXXX CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this CFPB Complaint to request of you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX Balance Owed : {$15000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Complaint sub-issue: Account information incorrect

Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.
Complaint sub-issue: Account status incorrect

XXXX has continued to incorrectly report to each of the credit bureaus ( Equifax, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 during payment process

Apparently selected wrong payers account and payment never went through and keep getting resubmitted for payment. As a result card account was closed affecting my credit worthiness. 
At no time was I notified in writing or electronically of accounts payment
Complaint sub-issue: Their investigation did not fix an error on your report

Based on my attorney advice, I request Equifax to take my complaint serious and answer to my attached letter ( also mailed to Equifax address ) clearly. Unless Equifax removes the account ( XXXX ) from my account, by the California law I request a full description of the procedure used to determine the accuracy and completeness of the information including the business name and address of the furnisher of information contacted. 
-- -- - Based on my investigation, the collector ( XXXX XXXX XXXX or XXXX ) has improperly aged the real date of first delinquency ( which is on XX/XX/2018 ) to the service date ( on XX/XX/2018 ), and then reported to Equifax without any notice to me. My insurance claim shows that the medical center ( the creditor ) submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then the creditor billed me on XX/XX/2018. 

If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when BILLED. By the law, the consumer has 180-DAYS from the day of first delinquency ( DOFD ) to pay the medical bill before the agency is allowed to report it to the credit bureaus, but XXXX reported it on XX/XX/2018. ( 1 ) XXXX did not send any collection notice to me before reporting. ( 2 ) XXXX altered the date of first delinquency. ( 3 ) XXXX reported the account before 180-days period, and Equifax did it!
Complaint sub-issue: Account information incorrect

I have a serious problem with my Equifax Credit Report. My credit account data is wrong ; the amounts have not been updated since XX/XX/2019. As a result, my Equifax credit score is much lower than it should be. 

I have been trying to fix this problem for one year. 

PLEASE do not close this complaint until the problem is fixed. A letter stating that it will be fixed is not sufficient. This time they MUST actually fix it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, XXXX XXXXXXXX XXXX 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, h

as 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: Their investigation did not fix an error on your report

XXXX  report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed XXXX times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address XXXX
Complaint sub-issue: Deposits and withdrawals

This is a problem with the cash app ALBERT I have no way to access my savings account. 
The phone number is circularly referencing the app, which references the phone number. 
I want to make changes to my own account and access the {$2500.00} I have in there.
Complaint sub-issue: Can't close your account

On Friday XX/XX/XXXX I received my Citi XXXX XXXX rewards card and attempted to make a {$900.00} purchase with the card at Best Buy as there is a {$2500.00} spend in order to receive the rewards. I then spent about XXXX hours to reach a representative in the Fraud department. When my call was answered I was told that because I did not have another credit card or bank account with Citi that my card will be locked and unable to make purchases. I was notified that since they have exhausted all options to verify my account that I could not cancel my account either. 

I was told that the only remaining option is to mail documents to help verify my identity. My research online shows that even if you are verified with this option if your account is locked after another purchase you will have to go through the mail process again unless you open another account with Citi to help speed up the verification process. I do not wish to open another account just so I can use the services of Citi without more interruptions and would like to close my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 

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: Account information incorrect

XXXX XXXX in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.