Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with the fees charged

I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Public record information inaccurate

The bankruptcy on my current report is not accurate please remove
Complaint sub-issue: Other problem getting your report or credit score

I recently received notification 2 days ago that my credit score with XXXX changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my XXXX credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My Equifax score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to XXXX and Equifax, we are being declined. I contacted XXXX  ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the XXXX website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!
Complaint sub-issue: Information belongs to someone else

XXXX EQUIFAX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Jefferson Capital has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request on a few occasions indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXX. They have also asked that I notify the data furnisher 'USBK Court XXXX Florida ' as well. 

I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX Florida XXXX as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. 

Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.
Complaint sub-issue: Account information incorrect

Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

It appears a new account in my credit report and i did not opened it
Complaint sub-issue: Account terms

After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XX/XX/XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, XXXX of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XX/XX/XXXX and the account was opened in XX/XX/XXXX. This was scheduled to be removed from my credit report on XX/XX/XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to XXXXXXXX, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XX/XX/XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX bank have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state XXXX and was attending XXXX college. It makes no sense how I could go open a utility account if I did not live in the state XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I XXXX these companies have caused me XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Problem getting report or credit score

I am unable to get my EQUIFAX credit report. Either the " validation '' questions and multiple choice answers do n't apply ; OR I make it through and then get an online message that they ca n't deliver my report online and that - allegedly - I have to " call ''. I DO NOT WANT TO CALL. With this complaint, I have uploaded my valid driver 's license and a current utility bill for proof of identity. 
Of note, I am XXXX of the many XXXX who was affected by the XXXX data breach of personal info ( name, DOB, SSN, driver 's license number, etc ). I want to check my EQUIFAX report but am unable to receive it.
Complaint sub-issue: Debt is not yours

For One The Address Is Wrong My Address Is XXXX XXXX XXXX XXXX The Address They Got Reporting Is XXXX XXXX XXXX South Carolina. Thats Not My Address, The Birthday Reporting Is XX/XX/98, My Birthday Is XX/XX/98. I Do Not Own This Debt. I Would Like It Removed From My Credit Report
Complaint sub-issue: Information belongs to someone else

I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

1. XXXX XXXX XXXX # XXXX {$710.00} 2. UNKNOWN # XXXX {$330.00}
Complaint sub-issue: Information is not mine

Found a charge off on my credit report from XXXX. there was no specified amount that was charged off. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX ( now sold to a collection agency I C SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Complaint sub-issue: Trouble with how payments are being handled

My loans are defaulted. I was told I could rehab the loans for $ XXXX/month and after 5 months wage garnishment would stop and after 9 months the loans would be out of default. I made XXXX payments in XXXX, XXXX, XXXX, and XXXX. When making my payment in XXXX they told me that my payment was now going to be XXXX because they recalculated based on documents I sent in and I had to send a letter back to them. I made a XXXX payment in XXXX and was told none of my XXXX payments count as part of the rehab. I was told the XXXX payment would be counted as my 1st payment. I was led to think each time I made a XXXX payment is was counting toward my loan rehabilitation. My XXXX payment should be and is my 5th payment not my first.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$11000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though CBCINNOVIS is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Complaint sub-issue: Received bad information about your loan

They have yet to settle an issue related to how many qualifying payments I have made under Public Service Loan Forgiveness. I have called repeatedly for over a year and there has been no progress.
Complaint sub-issue: Trouble getting, activating, or registering a card

My husband died 8 weeks ago unexpectedly from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX in XXXX  and had no life insurance. I filed bankruptcy but then submitted a voluntary dismissal from that court. I am in possession of the court ordered dismissal granted XX/XX/XXXX, XXXX Credit reports do state the dismissal however, I was denied a prepaid credit card by Discover Bank due to " bankruptcy ". I did speak to two account managers this morning but was told they will not take into consideration the court ordered dismissal as well as the fact my home was purchased cash as well as both vehicles being fully paid for. My water bill of $ XXXX arrived last week yet I did pay {$400.00}. Electric bill was {$110.00}. I paid {$300.00}. This, to me is discrimination. I am currently paying XXXX XXXX XXXX {$540.00} a month for four years for the debt. I do receive {$3100.00} per month in VA benefits and SS.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I sent a dispute letter to Equifax in regards to them reporting information on my credit report without my consent that harms be as a human being. The letter was delivered to them on XXXX  and by law they are to respond in 4 business days - I also attached a return receipt requesting a response with the letter. as of XXXX today I have received no response. I also had my My original documents notarized for proof that a witness was present
Complaint sub-issue: Account status incorrect

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally 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 XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/XXXX I pulled my Equifax Credit Report and noticed an account XXXX Account # XXXX on my report. On XX/XX/XXXX I disputed the information, XXXX Account # XXXX by sending a certified letter ( see attached ). I pulled my report several times after and the item was removed as evidenced in reports dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a credit alert and when I pulled my credit on XX/XX/XXXX discovered that Equifax had reinserted the debt! I was quite alarmed. This is a violation o the FDCRA and I need your help. Please know that I filed a similar complaint with you on XX/XX/XXXX Case Number:XXXX as Equifax did the same thing to me once before and they immediately deleted it. Clearly, they are willfully and maliciously sabotaging my credit report. I am asking that you to please help me. Please see all the attached proof.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent in several disputes in regard to this account. each one has been ignored. The account has been updated several times with no proper investigation. This violates my rights as a consumer. I never gave written or oral consent to this account reporting XXXX XXXX
Complaint sub-issue: Account information incorrect

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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Mailed a letter to Citi Bank by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " CBNA '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " Citi Cards CBNA '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/2022 XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX  asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, XXXX, and Equifax accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX and XXXX credit reports. Equifax is not releasing my credit report just yet. But I was able to confirm the accounts are on Equifax just as well.