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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The account is more than 7 years old from a lease that expired/terminated in XXXX of 2014 from ex-wife and my name was to be removed from lease contract upon expiration of same. Per Fair Debt Collection Act the account should no longer be valid and/or in collection. Account lease terminated XX/XX/2014 however I keep getting collection statements from Hunter Warfield
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Medical XXXX Balance : {$96.00} Medical XXXX Balance : {$110.00}, Medical XXXX Balance : {$10.00}, Medical XXXX Balance : {$75.00}, Medical XXXX Balance : {$21.00}, Medical XXXX Balance : {$80.00}, Medical XXXX Balance : {$210.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$310.00}, Medical XXXX Balance : {$28.00}.
Complaint sub-issue: Can't stop withdrawals from your account

Dear CFPB On XX/XX/XXXX I went to my bank ( US Bank, located at XXXX XXXX XXXX XXXX, XXXX Illinois ) and deposited a check for {$3900.00} from a company by the name of XXXX. My husband is ill in Florida and has been there since this last big hurricane and I have been looking for work by way of the internet to get money so I can relocate. I previously went to the bank in XX/XX/XXXX and asked for a loan of {$5000.00} and they turned me down and said not at this time. Later in XX/XX/XXXX I explained to the teller that I had a job offer for an advertisement from XXXX XXXX to put a decal on my car and advertise for them because their sales were down and I would be paid {$500.00} per week. I was suppose to keep {$500.00} for my first weeks pay and send the balance of {$3900.00} to an account specialist at either XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX form XXXX XXXX had XXXX text me with an account number ( XXXX ) at XXXX XXXX XXXX because it was closest to my home address. My bank, U S Bank released the funds to me on XX/XX/XXXX without any complaint. I thought the check was good because XXXX XXXX XXXX was not extending me any credit and they cashed it right away. I do not have that kind of money in my checking or a savings account in U S Bank or any other bank. When the bank cashed the check I felt good about the job because I thought everything was legit and that it would workout for me. On Monday XX/XX/XXXX my sister and I was going to the grocery store and I called U S Bank to see what was my account balance and passed out when I was told by customer service that my account was over drawn by {$3900.00}. U S Bank blames me and have taken my pension check {$460.00} plus money from my social security check {$1900.00} and reversed the payment for my car note of {$65000.00} to XXXX XXXX XXXX. My car insurance was an automatic deduction and everything is lost. I received a letter from U S Bank on XX/XX/XXXX stating that the check would be held for seven days but the teller cased it and released me the funds on XX/XX/XXXX. I have since filed a police report case number ( XXXX - XXXX ) and have received two more checks. I hold U S Bank responsible for this mishap. I took one of the checks to the XXXX XXXX XXXX on XXXX and XXXX and right away they recognized that the check was fraudulent and said it was no good and kept it. I need U S Bank to return my funds because I have no money to live off of. My husband has been ill since XX/XX/XXXX with medications costing {$500.00} or $ 600 monthly and we live from pay check to pay check. He is XXXX years old and I an XXXX years old and we need the money back. All of this pain and suffering could have been avoided if U S Bank would have protected me as their customer. The bank tellers are suppose to be sharp enough to detect criminal acts and protect their customers unless they are part of these criminal acts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX  notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )
Complaint sub-issue: Trouble with how payments are being handled

I was approved for XXXX XXXX discharge on XXXX XXXX. I was told in the approval that I could consolidate the loans to direct loans which I did on XXXX XXXX in order to receive discharge of my direct loans. I requested to change the servicer of the loans from XXXX to Mohela on XXXX XXXX. By XXXX XXXX my loans were paid off with XXXX and changed over to Mohela, however, neither XXXX or MOHELA have applied my loan discharge that I was approved for despite the Borrower of XXXX stating for months that they sent the servicer proof of my loan discharge approval. I even filed a complaint with the XXXX and sent proof of my approval to both XXXX and MOHELA.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on XXXX XXXX, and XXXX XXXX XXXX   XXXX  XXXX accounts for months. Equifax also refused to reverse the late payments. 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. CFPB please step up and fix this ASAP
Complaint sub-issue: Problem with customer service

To whom it may concern I am writing in reference to what I feel are unfair lending practices with Earnest LLC Operation Company. In the wake the financial difficulty in relation to the COVID 19 pandemic, companies should not be allowed to create financial hardship for those who are already struggling finically On XX/XX/XXXX I received an approval to refinance a XXXX  loan that is in my ex-husbands name Prior to this approval, I never indicated that I was the primary borrower of loan, at the request of the companies representative provided the divorce decree as proof that although I was not the original borrower, I was legally responsible for repaying the loan and in no way misrepresented myself After reviewing the information provided the company extended a loan offer on XX/XX/2020 which I reviewed and signed in XX/XX/2020 The company is refusing honor the loan agreement post-approval because I am not the primary borrower I have spoken with several representatives with the company without success. I contend that if the situation has been reversed, this company would have consider this a legal and binding agreement
Complaint sub-issue: Information is missing that should be on the report

I recently reviewed my credit report XX/XX/2018 and found XXXX XXXX is reporting inaccurate information on my credit reports with all 3 of the major credit bureaus Equifax, XXXX XXXX and XXXX. Not only are they reporting serious erroneous information, they also do not report an address they can be reached on my credit report so I can inform them of these serious errors by certified mail. This is a clear violation of the FCRA and shows a serious error in their reporting practices. Attached, is a copy of my credit report where they have left no address to be reached at. This erroneous derogatory remarks is making it extremely difficult for my family to access the credit that we need and is causing us an unnecessary hardship.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Complaint sub-issue: Reporting company used your report improperly

Equifax admittedly sent out millions of incorrect credit scores for consumers. I was a part of this. 
Equifax assumed a vital role in assembling and evaluating my credit and other information. They assumed this role and did not have permission or my consent. Also, there is a need to ensure that CONSUMER REPORTING AGENCIES ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and respect for the consumer ( me ) rights to privacy. 
Equifax gave false scores which made me have a higher payment and interest rate. Equifax did not exercise its grave responsibility. They were unfair, and impartial, and did not respect my rights to privacy.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection XXXX 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

HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

on XX/XX/2022 at XXXX PST a fraudulent charge of {$900.00} was made on my CitiBank credit card by a fictitious business ( XXXX XXXX XXXX XXXX ) of XXXX XXXX OR with a stolen XXXX  and a cloned card that was " activated '' twice an hour prior. 

REPORTED the crime, Locked my account, and DISPUTED fraudulent charge with Card company same day, but later processed the payment and says a " XXXX XXXX '' was used, and erroneously claimed that I am responsible for the full amount, regardless. (?!? ) Red flags : ( XXXX ) that the " cloned '' card ( by Shimming or emulating a stolen XXXX number ) was activated twice at XXXX - and the {$900.00} charge an hour later- I reported the fraudulent charge with the CitiCard fraud Dept - and that my XXXX was locked in a safe and I was asleep, over XXXX miles away from said location when said transaction took place. 

( XXXX ) stolen card number was activated twice at XXXX - and a charge ( processed as " in-store '' ) was done at XXXX. 

( XXXX ) the fictitious business has no physical garage location - no listed number - no website - and no reviews ( online or otherwise ) - the business does not exist except on paper. 

( XXXX ) Investigation reported to Portland.gov - FTC XXXX Dept of Justice - Police Dept - State Attorney Generals Office - shows that the suspect ( listed owner of XXXX registered business ) has a string of felonies for XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to Equifax and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, AFNI 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: Can't close your account

My home has been under construction for a major sewer leak since last  XXXX   XXXX . I was unable to live there due to the fact both bathrooms had to be torn apart to get to the leak. During the time I was not living in my home at  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX , someone started strealing my mail and somehow got into my house and obtained my information from my files and stole my identity. They opened accounts and they made ppurchases withthe account I had with  US BA NK. This wen on for abo ut six months. THey would even have the purchases sent to my address. US  Bank closed the account in  XXXX   XXXX . THey issued me a check for the remaining funds in the account after the disputes for all the transactions were completed.   Since then,  XXXX  wo Times,  once on  XXXX   XXXX ,  XXXX  and the other on  XXXX   XXXX ,  XXXX . They have reopened this account to allow more transaction to come through for some reason, and even paid them. Leaving the account overdrawn and accessing overdraft fees for the transactions and then charging me a fee of {$30.00} to close the account again. Twice.   The first time on  XXXX   XXXX ,  XXXX  the total amount of transactions an fees totaled {$310.00}. They took this money out of another account I have with them to satisfy the negative balance. Then closed the account.    XXXX  on  XXXX   XXXX , they re-opened it again and posted more transactions and fees totaling {$200.00}. They are sending me demand for payment for these charges and fees now, and they are reporting the account to reporting agencies such as  XXXX , which are preventing me from having a checking account because the new accounts I opened with  XXXX  are being closed due to the file that EWS has on me regarding th e US Bank  account.
Complaint sub-issue: Debt was paid

The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXXXXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXXXX Balance : {$6200.00}.
Complaint sub-issue: Information belongs to someone else

I submitted a police report. AFter I lost my wallet i decided to make sure nothing had been opened in my name. I checked my credit report and saw numerous accounts
Complaint sub-issue: Their investigation did not fix an error on your report

Please see the following accounts appearing on my credit file by XXXX, XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 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: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, Equifax, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.
Complaint sub-issue: Received bad information about your loan

I submitted my PSLF application on XX/XX/2022. I received email notification on XX/XX/2022 my PSLF application was denied. I didn't understand how because I have been employed for the XXXX  for over 14 years and I have made over 120 monthly payments. I called Mohela on XX/XX/2022 and spoke with a worker. She reviewed my PSLF application dated XX/XX/2022 and stated my application should not have been denied as I met the qualifications submitted on the application. She reopened my XX/XX/2022 PSLF application with a received date of XX/XX/2022. Now I have to wait another 90 business days before Mohela processes my PSLF application. What kind of business are they running. If the error is caused by Mohela I should not have to start over and wait another 90 days for the process of loan forgiveness. I should be able to keep my original received PSLF application date of XX/XX/2022. I do not have time in my day to wait 2-3 hours to be on hold with Mohela just to speak to someone about their error. The Mohela PSLF application process should not be difficult to verify my employment and 120 payments made by my student loan servicer. It's as if Mohela does not want people to receive student loan forgiveness authorize by the Federal Government so they prolonged the process and denied my application that meets all the qualifications for forgiveness. Please change my PSLF application date back to XX/XX/2022 so the process to loan forgiveness can be completed in a timely matter. Thank you