Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

On XX/XX/22 I got a notification on credit karma that credit card with XXXX ( formerly XXXX ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called XXXX, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited XXXX more minutes and was transferred 2 more times ( was on the phone XXXX hours & XXXX minutes total ) I was transfer to visa credit card dept but was told they can not help and I was transferred to XXXX XXXX, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX was sent an affidavit on XX/XX/2022. EQUIFAX was given 5 days to respond and have not responded in a reasonable amount of time. Therefore, according to the law they must comply with all demands made within the affidavit. I have made several attempts to peacefully rectify the issues outlined in the affidavit, but EQUIFAX continues to violate my consumer rights by improperly reporting unlawful information on my consumer report.
Complaint sub-issue: Account status incorrect

I am writing to dispute the following information reported by XXXX on my Equifax credit report ; 1. The Condition of the account is Open, not Derogatory. 
2. The Status of the account is OK, not on a Payment Plan. 
3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016. 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.
Complaint sub-issue: Problem getting your free annual credit report

I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!
Complaint sub-issue: Debt was paid

AllianceOne contacted me in XXXX for a debt to XXXX. I made payment arrangements to pay off the balance from XXXX of XXXX to XXXX of XXXX ... completed the payments and paid off the balance. In XXXX of XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
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 XXXX XXXX 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 accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Balance : {$3600.00} ; XXXX XXXX XXXX XXXX .... Balance : {$4200.00} ; XXXX XXXX .... Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} 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: Information belongs to someone else

i have many negative accounts thats not mines.I suffer from XXXX i was in an tXXXX XXXX in my family since my XXXX was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident  and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Complaint sub-issue: Information belongs to someone else

XXXX employee had my ssn from an account that I had in the past and ran my credit report without my permission or knowledge. I called XXXX they had it removed from my XXXX and XXXX but not my Equifax. The representative emailed me multiple times stating they had it removed from all three but my email automatically deletes emails so I do n't have it anymore. I called her back and she stated she would look into and get back with me but has not. I called Equifax and informed them that it was an error it was done without my permission or knowledge and I was told they would not remove it because an inquiry is always considered valid information.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have been trying since XX/XX/XXXX to get help with my 2 credit card accounts I have with Citi Bank. Our incomes have been affected by the COVID-19 virus, we are unable to pay our XXXX payment. I keep getting the " Run around ''. They say elaborate more, so I do. Then they say fill out this form-ca n't download or copy-no form available. Then it starts All over again hours and hours on hold on phone, then waiting for response from email. They have it set up so you Will Give up! Its so unfair, I have spent agonizing hours on these two cards. No other credit company or bank have dealt with during this tragic time have took this long! Company Name-Citi Cards XXXX, KY
Complaint sub-issue: Information belongs to someone else

I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX XXXX XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and I'm submitting this complaint myself and there is no third part involved. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Also, pursuant 15 USC 1681b ( 4 ) ( c ) ( 2 ) I demand the removal all inquires being reported.

Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Complaint sub-issue: Account status incorrect

VW credit, audi financial intentionally destroyed my credit. The payment may be late but due to unexpected, unforeseen emergency and have been unable to pay current but make sure account doesn't go over 30 day. Payment is paid every month by the same date as reps has mentioned that if paid by 3rd, payment will not report derogatory. Therefore, I make all efforts that payments are paid monthly and by the 3rd. These conversations with the Audi, VW reps were recorded.

VW credit, Auti financial does not attend to serve me accurately as a customer and should correct this inaccurate reporting immediately. VW credit, Audi reported me derogatorily to all credit reporting agencies and I paid by 3rd as I did prior months, however reported this month.
Complaint sub-issue: Information belongs to someone else

I have been in contact with Equifax for the last few months attempting to get this inaccurate first commerce Account off my credit. 

XXXX and XXXX  has removed this inaccurate account. I have sent Equifax a letter from the first commerce stating the account was incorrect and it was an error. I have asked Equifax for supporting documents such as permissible purpose and original contract with my signature on it. They have not provided me with anything. I sent Equifax an affidavit along with information from first commerce with the company heading and logo stating this account was inaccurate
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/19 I tried to make a dispute with Equifax and it keeps saying to call and confirm identity basically. I called yesterday and did that it has been 24 hours and still can not make a dispute and its preventing me from correcting my credit report. Been trying for over 2 weeks to access this and I get same message even after calling in and successfully giving my identification.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX who has been suffering from my lies and deceptive actions of Lexisnexis over and over again and need your help to fix this please as they claimed they dont dont how to help because i dont respond with identification omg what a lie as you will see. I been calling and each time being rejected in the calling q after waiting for 1 hr 17 mins and 2hrs. as am in california and there hours are not readily for my time zone. They have no clue am tracking emails read when i sent XX/XX/XXXX and XX/XX/2021 so they lied that they cant remove the information that stole from my records and sold without my written permission. Am very depressed now as they are saying they dont have to respond to me as they have all rights as they dont go by the rules of the FTC but only by XXXX, XXXX and XXXX. am confused need the CFPB to help me and am having sleepless nights of their constant lies.
Complaint sub-issue: Information belongs to someone else

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Problem with customer service

I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX   XXXX XXXX I was told that I was not eligible for forgiveness because I didn't have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX  XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn't this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.
Complaint sub-issue: Right to dispute notice not received

Selene took over servicing of my mortgage I have sent letters requesting verification of the debt the modification that XXXX had and how to continue with the modification ... ..they have ignored my repeated letters and calls and have just moved forward with the foreclosure which is tomorrow XX/XX/2017
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Jefferson capital systems XXXX date opened XX/XX/2020 original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid
Complaint sub-issue: Their investigation did not fix an error on your report

File an complaint on my credit card account number XXXX my credit card was cutoff because of the primary was XXXX
Complaint sub-issue: Account status incorrect

Company XXXX XXXX XXXX , XXXX is reporting I was late XX/XX/XXXX thru XX/XX/XXXX, I was never late. This account should have closed in XXXX. XXXX XXXX have kept this account open for 5 years to date.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Public record

State of California XXXX posted Erroneous state tax lien {$260.00}. When they investigated after I disputed, they released the lien as, to cancel erroneous lien no fee required, XXXX and XXXX has deleted this from my report. Equifax refuses to delete erroneous information, even after sending certified copies from the County Recorders Office to them. They stated once they information it stays seven years, no exceptions, they have the right to destroy credit.
Complaint sub-issue: Information belongs to someone else

Equifax was contacted on XX/XX/XXXX requesting for the company to remove unauthorized inquiries from my credit file. In reciprocation, Equifax mailed me a letter demanding that I send a letter of deletion to the companies that had pulled my credit. I have contacted these companies requesting them to remove these hard inquiries and most of them didn't response. Equifax refuses to provide what method of verication was used to verify this information. Sending a letter stating that the company investigated my dispute and found the information to be reporting correctly is unacceptable. I'm requesting that CFPB to investigate this dispute with Equifax and make sure my information is reporting correctly. Please send any authorization documents bearing my signature that gave these companies the right to view my credit file. I have place identity fraud alert on my credit file because of this matter.
Complaint sub-issue: Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than XXXX days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Complaint sub-issue: Don't agree with fees charged

Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.