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

Pursuant to 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Reviewing my consumer report I found several instances where there was inaccurate information that has created an unfair situation for me. I was never notified when this inaccurate information was furnished. I was also never notified about the initial investigation that led to the reporting of this inaccurate information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These repeated occurrences have undermined my confidence in EQUIFAX INFORMATION SERVICES and the banking system as a whole. Therefore, if this information is not removed, I will no longer be extending credit and will request that all of my information be removed from EQUIFAX INFORMATION SERVICES records.

Pursuant to 15 USC 1681 ( a ) ( 2 ) : EQUIFAX INFORMATION SERVICES is a powerless elaborate mechanism. This grave error has ruined my reputation, credit worthiness, credit standing, credit capacity and tarnished my character as a consumer.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : EQUIFAX INFORMATION SERVICES has assumed this role. EQUIFAX INFORMATION SERVICES was not given express permission by XXXX XXXX or a competent court of jurisdiction. You have violated my rights as a consumer over and over again within the initial investigation as well as assuming that the information received was accurate. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX INFORMATION SERVICES is required by law to exercise their grave responsibilities with fairness, impartiality, and with respect for the consumers right to privacy. EQUIFAX INFORMATION SERVICES did not consult me as to the accuracy and validity of this information and assumed the transaction took place based on an unfair, partial perspective of a third party. As a result, my privacy has been violated.
Complaint sub-issue: Debt is not yours

Debt Collector- Hunter Warfield INC Original creditor name - XXXX XXXX . 
The complaint is about not oweing that company {$3700.00}. 
The problem I am having is I tried to lease an apartment from the original creditor and the place was really bad. I did not move in to the apartment. The first day I was suppose to move in I told them this is not safe for me and my family and I did not even touch the apartment. They called me harassed me and told me I owe them thousands of dollars even though I did not move in. I tried to talk to them but the person I was talking to was yelling and cursing and they put it on my credit.
Complaint sub-issue: Old information reappears or never goes away

My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?
There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports. 

Equifax ( report confirmation XXXX ) XXXX  ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Equifax that I am a victim of identity theft, and there response is that I am a third party. I am not a third party, I am person, and I XXXX XXXX state that I am a victim of identity theft who is submitting this complaint myself. and give authorization to Equifax to look into this matter.
Complaint sub-issue: Reporting company used your report improperly

This account is inaccurate XXXX XXXX XXXXXXXX XXXX  # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the XXXX and Equifax is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.
Complaint sub-issue: Information belongs to someone else

On my reports there is a closed account with huge amount of missed payments. THD/CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THD/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Account status incorrect

In XX/XX/2019 we came to an agreement with XXXX that the XXXX XXXX would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. XXXX  XXXX XXXX  were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the UCC filing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX drive time added a credit inquiry to my report that I didn't authorize. I've never done any business with drive time. I've asked them to provide me with documents with my signature and they failed to do so
Complaint sub-issue: Can't close your account

My Dad passed away in XX/XX/2016, He was XXXXyrs old in a XXXX XXXX.while there he asked me to have a lawyer to come there in order to do his will which I did but during the process he went into a XXXX   and died. I notified his bank ( Citibank ) and sent them a copy of his death certificate.to customer services in XXXX XXXX Tx. They in turn told me I had to contact the branch where he had his account which is in XXXX. The manager said I had to go to Probate court for an affidavit which I did and had it notarized. After waiting over 1 month for a response to hear from them, I called and was told that I have to get a different form and come into their bank. I explained I am a senior citizen don't travel much anymore and there is no Citibank here in Ga. Or send the samr documents back to XXXX XXXX Tx . They have been giving me the urn around for over 2 yrs. My Dad '' s name was XXXX XXXX.This affidavit which was given to me from the Probate court states that the institution to pay the amount of the said deposit up to {$10000.00}, my Dad has {$5400.00} in the account.
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Complaint sub-issue: Received bad information about my loan

I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.
Complaint sub-issue: Frequent or repeated calls

Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reprting Credit Act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX. XXXX XXXX, XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX Account XXXX account # XXXX, XXXX XXXX XXXX. XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602. A. I have a right to privacy.

15 U.S.C. 1681 section 604. A Section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the Credit Bureaus over 30 days ago and I am yet to receive a response from them, these items ate inaccurate and I would like for them ti be removed
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 made reservations on Norwegian Airlines using my Costco Citibank Visa Card - ( XXXX, XXXX - XXXX - XXXX XX/XX/2020 - XX/XX/2020 ). Base fare for two was {$1000.00} plus two seats for {$180.00} = {$1200.00}. On XX/XX/2020 was notified that the airline was discontinuing overseas flights and a refund claim submitted ( code : XXXX ). Because there was no timely response a claim was submitted to Citibank on XX/XX/2020. On XX/XX/2020, XXXX XXXX acknowledged receipt of the claim but were " unable to assist during this difficult time ''. Thereafter there were many corroborating mailings to Citi in South Dakota as well as Emails to both Citi and Costco. On XX/XX/2020 Citibank 's website stated that they had settled the claim in the airline 's favor. Subsequently, letters and Emails were sent to Citi asking for clarification. On XX/XX/2020 was notified by XXXX that there was nothing more they could do, and Citi Costco Visa could assist no further.
Complaint sub-issue: Debt is not mine

I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.
Complaint sub-issue: Account status incorrect

The loans were in forbearance and it 's reporting late on my credit report.
Complaint sub-issue: Received bad information about your loan

I have four XXXX grants, each for part of my XXXX programs. I have fulfilled obligations to them, but they were converted to loans at the height of my divorce on XX/XX/XXXX. 
I have always been in this XXXX position, before I took the XXXX   grants, and remain in this XXXX  position, which fulfills all obligations. 
I had recertified every year that was required of me, and never had any change in employment, or employment position or meeting obligations. I had always communicated with the servicers. 
In XX/XX/XXXX I was completely blindsided with a divorce from my spouse. I had no idea it was coming after 13 years of marriage. It was a devastating blow to me and I still today, am recovering from the trauma it caused. I could hardly keep my head up at that time. I was already working a fulltime job as a XXXX in a low income ( XXXX ) and XXXX building where more than half of our population are English Language Learners and/or students living in poverty. I love this job and I wouldnt change anything about it. 
Besides working as a fulltime XXXX, I am also a mother. And as of XX/XX/XXXX, I became a single mother. 
So, with all of that, I communicated to the servicers what happened and that I was still meeting obligation to my grants. They did not care that I was in crisis. I was in a position where I was in a survival state and I was barely making it. And they landed that right on top of me at the height of it they said you now owe {$10000.00} more dollars plus interest. And my job, which fulfills obligations, had never changed. They had paperwork on file that showed my employment. They didnt care. 
I suffered more trauma because of what they did to me. 

XXXX  grants : XX/XX/XXXX-XX/XX/XXXX {$2000.00} XX/XX/XXXX-XX/XX/XXXX{$2000.00} XX/XX/XXXX-XX/XX/XXXX{$1000.00} XX/XX/XXXX-XX/XX/XXXX {$2000.00} Today my total that I owe is {$9700.00} -from a XXXX XXXX for 25 lovely XXXX  in an XXXX and XXXX XXXX building.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Complaint sub-issue: Debt resulted from identity theft

I have no idea where this debt has come from. I have never opened an account with XXXX Anyone Can use your name to open an account if they have colllected your personal information. I feel asif someone maybe a family member or friend took my personal information for their own benefit and opened a cellphone Account. They obviously did n't finish paying because let 's be honest, it wo n't fall back on them. I 'm Only XXXX years old, just starting off my credit score.. And my life as well, I need this fixed. 

Thank you sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Complaint sub-issue: Problem accessing account

I use my PNC account for two investment applications - XXXX  and XXXX XXXX. Neither investment application will allow PNC to connect as the funding source so they have shut down the ability to invest funds directly from my bank accounts. XXXX has directed me to file a complaint with the CFBP and they are currently working with PNC to Restore the connection. I am not the only one this is happening to, this is PNC customers as a whole. Thank you for considering my complaint.
Complaint sub-issue: Information belongs to someone else

Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}
Complaint sub-issue: Company closed your account

Card.com closed out my account because I reported identity theft someone fraudulent took processing fees of {$2.00} like every 2mins all day long removed my funds from this prepaid account ending up with almost my entire deposit sent to this account. I contacted the account right away after viewing statement of outrageous {$2.00} & up saying these were all processing fees each time I used my card. But these processing fees were adding up to a 3rd of my deposit leaving me behind in my bills & causing me to become homeless from this terrible circumstances I was never rewarded all these outstanding deductions of processing fees. I wrote the consumer but this wasn't never investigated and they closed my account because I was dissatisfied with service. Agreement clearly stated atm fees only. They couldn't explain why all these processing fees deductions were taking almost my entire deposit from unemployment & last employment deposits were processing fees other then the card.com terms & fees would only be deducted for ATM withdrawal of {$1.00}. 
These processing fees were on all my statements of deductions of {$2.00} & more being taking out my account. Now my account is closed I can't access my prepaid statements anymore. I never was rewarded this major dispute I wanted to be investigated by the prepaid account Card.com they did nothing when this issue needed to be investigated how is anyone able to take out of my account all day like every other minute it stated processing fees even when I didn't access or touch my account for days. My refund was also sent to this prepaid account the same thing took place somehow more processing fees would be on my prepaid statements
Complaint sub-issue: Their investigation did not fix an error on your report

Ive filed disputes with all XXXX  Equifax XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;