Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections reported by XXXX and Equifax from XXXX XXXX XXXX for {$470.00} XXXX COMPANYPO BOX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

Equifax would not allow me access my free annual credit report and I was not given a reason. Equifax requested that I send them copies of sensitive documents like pay stubs, social security numbers, etc. Given Equifax 's history with not keeping information secure I have problems sharing any information with Equifax thru US Mail. 

I had no issues with XXXX XXXX or XXXX in getting the same information from the XXXX  site..
Complaint sub-issue: Account information incorrect

I filed several disputes with XXXX  regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however  XXXX  refuses to remove the false information.
Complaint sub-issue: Reporting company used your report improperly

Last week, XXXX XXXX, I found out about the hacking of Equifax. There was a site given to check and see if my information was included. I went to that site and it said my information was most likely included. 
What I find most egregious is that it took a month for Equifax to share this information ; that there was a stock selling 3 days ( I think ) before the release of this information and that they are offering free credit protection service but in fine print on the agreement page there is a caveat listed that states the signer/client will not be allowed to sue Equifax in case of identity theft. The selling of the stock appears to be very fishy. Now what are we supposed to do???
Complaint sub-issue: Account information incorrect

I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.
Complaint sub-issue: Investigation took more than 30 days

I have sent letters to XXXX and Equifax on XX/XX/21 and have yet to receive a response.
Complaint sub-issue: Account status incorrect

CFPB THIS IS NOT A DUPLICATE : I, XXXX XXXX, federally protected consumer, dated on XX/XX/2022 am demanding XXXX XXXX XXXX XXXX to Cease And Desist Pursuant to 15 U.S. Code 1692c ( c ). 

NOTICE : If XXXX XXXX XXXX XXXX fails to comply with this Cease And Desist Order receipt of notice will be in violation of federal law for violating an Federally protected Consumer pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. All legal actions with all Federal Agencies will be taken immediately without further ado and XXXX XXXX XXXX XXXX will be held accountable for any violation ( s ) and penalties and fines will mandatory be applied and this Cease And Desist Order shall not be construed for any reason whatsoever! With prejudice! Best regards!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Complaint sub-issue: Old information reappears or never goes away

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Complaint sub-issue: Problem during payment process

I was affected by COVID, and I couldn't make payments. I started working in XX/XX/2022, ready to make payments. I called Citibank and they said they sent 1099R in XXXX, knowingly that I was about to make my payments, 1099R that I never received. I asked Citibank for a phone number where I can make my payments. Citibank has no information on the account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is showing up as a XXXX collection account on my Equifax Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my Equifax report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called XXXX XXXX XXXX on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called XXXX XXXX XXXX again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with Equifax and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the equifax report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XX/XX/XXXXand they have no prior records. We applied to get an apartment they told us no because this was on my credit report. XXXX XXXX XXXX says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. Equifax says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from XXXX XXXX XXXX or Equifax. XXXX XXXX XXXX says they cant help me but from what Equifax Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I took out a payday loan for {$480.00}. I paid {$300.00} back right away and my hours got cut. They said I owed {$620.00} still ( after a week ). I revoked my ACH and have not paid anything since. They told me they will report me to XXXX for my returned check. I never sent a check.They told me they would send me to collections and charge me 35 % more than what I owe. I don't even have a copy of my signed loan contract. Just a contract with my name and no signature. I have requested one and haven't ' received one. They have not even tried to work out a EPP which is also a WI law. Of all the things below they haven't done any of them, they are violating law. See below ... .... 

State Guide to Payday Loan the document contains information on payday loans. It is prepared by the state of Wisconsin to inform buyers about the nature of the loans. 
Repayment plan offers the lenders are required to present repayment plan offer to the borrower in case of a default of the loan amount. The state of Wisconsin allows repayment of the loan amount in 4-equal installments with no additional costs. The limit for one payment plan offer is 12 months. 
Keep in mind that the state of Wisconsin has put a collection fee limit of {$15.00} per check. The state rules dont allow the lenders to take criminal action against the persons that default on the loan. If you have any complaint against a payday loan lender, you can contact the Wisconsin Department of Financial Institutions.
Complaint sub-issue: Account information incorrect

XXXX XXXX routinely makes me wait one week after I make my payment to post my payment to my account, however they get their money right away. I made a {$90.00} payment on XX/XX/21 and today, XX/XX/21 they reported me as late to credit reporting agencies, lowering my credit score by XXXX points. How can they get away with this? What can I do? This seems so XXXX criminal its not even funny.. I know they love people with low scores so they can charge a higher interest rate please help
Complaint sub-issue: Problem getting your free annual credit report

I wanted to recieve my free yearly credit report with Equifax and I could n't do it on the website. They asked me to send them a copy of my driver 's license and social security card. I did that and they sent me a letter stating that I did not send them to proper identification needed to get the credit report. I tried to call and could n't get a person. Instead, I got some kind of voice prompt that never sent me to a person. That was my attempt to get the situation settled with them.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX MANIPULATED MY CREDIT SCORE, CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. THUS THIS HAS CAUSE ME HARM BECAUSE OF THEIR ERRONEOUS AND IRRESPONSIBLE CREDIT REPORTING. EQUIFAX CHANGED THE STATUS OF TWO ACCOUNTS THAT ARE CURRENTLY INVOLVED IN A XXXX BANKRUPTCY TO SHOW CHARGE OFF STATUS AND MULTIPLE LATE PAYMENTS, THUS VIOLATING AN AUTOMATIC STAY. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC 1681 AND 623 ( a ) ( 1 ) ( A ). THE FOLLOWING TWO ACCOUNTS ARE REPORTING INACCURATE AND VIOLATE FEDERAL LAW UNDER THE FCRA : ACCOUNT NAME : XXXX XXXX  XXXXACCOUNT NUMBERXXXX XXXXACCOUNT NUMBERXXXX. I WILL SEEK MONETARY DAMAGE OF {$1000.00} PER VIOLATION AND HAVE FILED A NOTICE OF INTENT WITH THE FTC.
Complaint sub-issue: Fee problem

We opened a basic package saving account in citi and were told a minimum XXXX balance should avoid the monthly charge. After two months we found every month we were charged XXXX, then bank said you opened an golf XXXX minimum balance package. If our experience is true, the error is intentional and systematic like XXXX XXXX, try those clients who would not notice their day to day fraudulent behavior.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Citibank pulled and access my XXXX, XXXX, and XXXX XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. The Citibank inquiries listed on my XXXX, XXXX, and XXXX XXXX credit report is fraudulent and unauthorized credit inquiries. I have not applied for any accounts with Citibank. The credit inquiries arent my credit inquiries. The Citibank credit inquiries are fraudulent and unauthorized credit inquiries. Full Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XXXX
Complaint sub-issue: Problem lowering your monthly payments

XX/XX/2022 - Predatory lender. I contacted Sallie Mae to request lower monthly payments. My four student loans have gone from {$87.00} ( XX/XX/2022 ) to {$180.00} ( Due XX/XX/2022 ). The representative said that there is a 15-day grace period and to pay what I can, however, if the full payment has not been received, Sallie Mae will contact me to discuss payment options. I find Sallie Mae 's practice of offering options only after the payments have been missed, unacceptable. Why do I, as a consumer, have to run the risk of damaging my credit scores ( with missed payments ), before being offered more realistic payment options?
Complaint sub-issue: Problem with signing the paperwork

Carvana made false advertisements about a XXXX down payment, 90 day deferred initial car payment, 7 day swap into a different vehicle. The later two being the eye catching feature for purchasing a vehicle. The representative XXXX shredded the initial contract paperwork and a month later used the same date as the purchase date for the vehicle. This cause the 7 day time period to switch into a cheaper vehicle to lapse. The initial car payments to be due sooner. This created chaos and two payments to be made within the same month. This caused one month payment to be omitted. As advertised a deferred payment was offered due to COVID-19 then later rescinded due to the percentage rate being too high. The offer was exclusively for those with lower interest rates. Emails were sent requesting the Bill of Sale to be provided to Carvana ( who originated the document ) from the consumer before the registration or tags would be issued. The time lapse for the time the paperwork was shredded. XXXX who collects the car payments did not report each payment. The credit amount was reported as increased which made the payments appear to be underpaid. The credit score decreased 42 points. This has the potential to diminish refinancing. During four months of a few visits to the XXXX juke box vending machine, calling and being placed on hold, calls transferred and disconnected, no answer at times the tags and registration were finally released. This company is a scam.
Complaint sub-issue: Debt was result of identity theft

My name and information were used fraudulently with Pro Collect on XX/XX/2022.
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. 
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax, XXXX and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened:XXXX Balance : {$3300.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Not given enough info to verify debt

I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Spoke to XXXX at Equifax. this is not my account, XXXX XXXX XXXXXXXX XXXX ( CLOSED ) Account Number XXXX XXXX
Complaint sub-issue: Account information incorrect

Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple disputes along with Identity theft reports/police reports to Equifax for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!