Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

On XXXX/XXXX/XXXX, I completed a request for a deferment online, and submitted my paperwork that was not processed. I assumed it was as I never heard back from them. I have another student loan through XXXX that I completed and was approved for one year. Wednesday XXXX/XXXX/XXXX, I submitted an application to consolidate my with XXXX XXXX XXXX to XXXX. Friday, XXXX XXXX updated my credit score and reported me as being 90+ days late. I feel that my application was overlooked ( thankfully I saved it ) and that reporting my loan as being in default and I 've NEVER received a phone call from these people was done out of spite for consolidating and closing my account with them. My credit score dropped 56 points. I have worked HARD to maintain a good credit score and now this. After receiving alerts that my credig score dropped significantly, I did submit ANOTHER request for a deferment. Hopefully, this one goes through and they can back date it and correct/update my credit reports.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Information belongs to someone else

My suitcase, wallet, and passport was stolen a couple years ago from my hotel room which resulted in my becoming a victim of identity theft.
Complaint sub-issue: Public record information inaccurate

I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2018 dispute letter along with a copy of my social security card and drivers license sent to equifax by certified mail. I received return receipt. I call equifax XX/XX/2018 around XXXX to verify everything was going smoothly. I spoke to XXXX. She said letters were received and dispute was in process. XX/XX/2018 I call Equifax to find out why my report hadn't updated since XX/XX/2018. I give them all of my info to verify me, and they tell me they could not find a file on me. I called back and spoke to 2 more agents in the disputes department. I asked to speak to a supervisor. She got my info placed me on hold. She told me she was still searching. Placed me on hold. She came back and held the phone ( the music that plays while on hold stopped and I could hear breathing and noise on background ) I say hello and she hangs up. I call back and spoke to XXXX. He stated that no file could be found for me. ( He was very irate ) i get off the call with him. I call back a few hours later. Spoke to an agent that had me to verify my info. She then gets me confused with my sister. Well, i verify my info. I reminded them they had a copy of my social and drivers license so that they know who I am. She acknowledged she could see that. She transferred me to XXXX in the mixed department and gave me file name XXXX. She said also that she could not find me. She told me she could see that I mailed my dispute letter plus copies of my social and drivers license but still could not pull up a file on me. I gave her the confirmation number I have from a previous dispute I had done online through their website. She searched and still found nothing. I asked her if me being effected by the breach last summer has anything to do with this and if I should be worried. She told me I would get a phone call from her XXXX in 24 hours. Its XX/XX/2018 and still haven't heard back. This is affecting me in getting approved for a car loan and credit cards that I have been trying to get for a year now. I have been working hard to fix errors on all three credit reports and now this. I called XXXX and XXXX and they have no problem pulling me up.
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
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 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: Threatened to sue you for very old debt

On XX/XX/XXXX, XXXX from XXXX XXXX called my cell phone stating that he was a process server for the state of XXXX  and asked for my supervisor 's name and number to get information on how to send a sheriff to my job for a court case. He stated that it was for a " bad check '' written to Spotloan. I ended the call. He then called my mother looking for me and started rattling off her social security number, address and date of birth in an attempt to scare her into giving them my info. She did not give them any info and hung up the phone. They called my phone again on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, they also called my husband looking for me. On XX/XX/XXXX, they called again and I told them that I will be filing a complaint. I have not had any dealings with Spotloan since XXXX. I have even had a previous CFPB complaint about another collection agency, XXXX XXXX XXXX XXXX, calling me about Spotloan. Spotloan responded that they had no relationship with XXXX XXXX and that they would address the issue directly with XXXX XXXX.
Complaint sub-issue: Not given enough info to verify debt

i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.
Complaint sub-issue: Information belongs to someone else

I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

VIOLATING FCRA - {$1000.00} EACH REPORTED ITEMS WITHOUT MY WRITTEN CONSENT. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Complaint sub-issue: Information is not mine

I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting an account that doesn't belong on my credit file and credit report. I have contacted Equifax by certified mail to have this account deleted immediately. They have not complied. They have violated several laws in Secton 609 ( a ) ( 1 ) ( A ) in the process. The account is listed below : Account Name - XXXX XXXX Account Number - XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX/XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00}

has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my Nelnet student  loans. I asked them to stop emailing me. They said they would not. The email address being : XXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Complaint sub-issue: Information belongs to someone else

THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.
Complaint sub-issue: Reporting company used your report improperly

In Accordance to the Fair Credit Reporting Act, XXXX account number XXXX. 
XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXXt account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

Hello, Sometime on XX/XX/XXXX I opened a credit card with Macys. I used the card and paid off the balance towards XXXX of XXXX so I only had the card for a month, I called and requested the account to be closed I was not fully aware that it was a credit card. 
Macys neglected to close my account and now when I am trying to buy a house I requested a copy of my credit report and Macys is reporting two credit accounts and had me delinquent for over a year. 
They never send me statements and I know I had closed the account. I have made numerous phone calls and requested to correct my credit report that what they are reporting in false since I only had one account not two, I closed the account they should have not been a balance on the account, they never notify me that the account was delinquent. 
The report Macys is reporting is false and incorrect of the status of my account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I explained to  XXXX , Equifax, and  XXXX  that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my Equifax,  XXXX , and   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuranc e C. Employment D. Court Order The following credit inquiries are r elated to none of the aforementioned permissible  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )   XXXX   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )    XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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
Complaint sub-issue: Account status incorrect

XXXX XXXX  XXXX  Lied and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX  and did not update my Equifax Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and Equifax. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the Equifax Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.
Complaint sub-issue: Didn't receive enough information to verify debt

Requested validation of debt but was never sent to me.
Complaint sub-issue: Investigation took more than 30 days

By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with Equifax XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Complaint sub-issue: Was not notified of investigation status or results

I have 3 collections on my equifax report i wrote to them more then four times and they keep sending the same answer verified. i asked them how they verified they answered verified! ( Attached ) i told them this collection agency wont send me verification so how are they able to report these items, and yet again they answer verified! i do not know what else to do i can not afford a lawyer so im asking you guys for help to remove these unverified charges off my equifax report. they just send me the same print out over and over thanks.
Complaint sub-issue: Debt was paid

I cancelled my XXXX XXXX XXXX XXXX credit card with Citibank in XXXX, 2019. In XXXX, I received a bill for interest charges related to charges I didnt make. On XX/XX/XXXX, I called and was told if I paid the {$30.00} in interest charges I wouldnt owe them anything else. Although I didnt believe I owed them, I sent a check on the same day. In XXXX, I began to receive harassing phone calls about the money I owed. I called Citibank and was told they had received the check and I had a balance of {$0.00}. I was also advised not to respond to requests for payment. 

Citibank is now demanding {$110.00} in interest and late fees. There appears to be no way to end this cycle.
Complaint sub-issue: Was not notified of investigation status or results

I belive there was some dispute during XXXX divorce that equifax is not forgiving for some reason and they have'nt been given me an explaination for it.
Complaint sub-issue: Investigation took more than 30 days

Evening, I'd like to inform you that I have submitted personal dispute letters regarding my credit reports that I recently obtained. I have received none stop high APR credit card offers in the mail & I do not think it is fair or legal to invade my privacy far as having this sort of information being reported inaccurately on my credit report. I sent in a letter asking the credit bureaus to investigate this issue & they sent me back a letter stating they needed more identification to prove I was really who I am, I sent in my Driver Licenses, SS Card, Proof Of Mail, and they wanted to make sure I wasn't a Credit Repair Organization? It is not illegal for me to obtain Credit Repair from an Organization according to the FCRA. The letter is provided below & I would like for this issue to be fixed asap as it is hindering me from obtaining credit during this Recession.
Complaint sub-issue: Information belongs to someone else

I have no a knowledge of this account according to the FCRA This item must be removed.