Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : INQUIRIES : XXXX XX/XX/2022 EQUIFAX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account terms

I went through a bad divorce and my former spouse, who I ran from, stopped paying all joint debts. The truck he drove was repossessed and he would not pay the mortgage for the house we built that he lives in. We were also joint on a house his mother lives in. I obtained a divorce in XX/XX/XXXX. I went back to Court to try to get him to sell the house, but he has ignored all Court Orders. I could not afford to spend any more money on going back to Court when it did nothing. I was advised by counsel to file for Chapter XXXX bankruptcy because I could not afford to pay for my son and I to live and my former husband too. I completed a five year Chapter XXXX Bankruptcy starting XX/XX/XXXX and was discharged in XX/XX/XXXX. In an effort to have a fresh start, I disputed and cleaned up my credit report which had some discharged debts as owing. The only creditor who would not recoginize the discharge and still has me owing a discharged loan is XXXX XXXX XXXX. The loan was originally XXXX and XXXX XXXX XXXX even kept the same account number. I have disputed this loan several times and the loan showed a XXXX balance at one time, but XXXX XXXX XXXX reported it as open with a balance after that. I do not pay this debt and I did not reaffirm it. I recently disputed it again with XXXX who deleted the account. I recently applied for credit and it still shows up on XXXX and Equifax. This is impairing my credit and ability to make a fresh start. Some days I wonder what I went through the Bankruptcy for.
Complaint sub-issue: Problem with customer service

I have contacted FedLoan on XXXX occasions in the last 30 days, totaling XXXX hours on hold There are no callbacks. 
Online chat is disabled They do not respond in XXXX message There is no way to contact them. 
Emails are unanswered
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  CST CU 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 N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and did not make the charges.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2022 Enterprise Rental Car charged my account {$190.00}. The attached document is the front page for XXXX XXXX, which repaired my vehicle. I am the claimant. The General 's insured hit my vehicle. The XXXX XXXX XXXX was supposed to reimburse XXXX {$190.00} and not charge me. The financial dispute is between The General and XXXX, not me. It is XXXX to use their resources to collect any monies owed to them by the insurance company.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Account information incorrect

XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000  years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.
Complaint sub-issue: Information belongs to someone else

Last year when i requested my report from Equifax they had incorrect information on me and they were confusing me with someone else with the same name. I just tried to order my yearly report and the questions they asked to confirm my identity had nothing to do with me at all and now i have to be extremely inconvenienced and make copies of documents, gather information and use a stamp because i have to order it by mail. Why is Equifax the only agency that does this to me? I thought i had this problem resolved but they obviously are doing the same XXXX thing. They are not careful with information and that affects peoples lives in a negative way. There should be huge fines for each instance they are careless with peoples information and the people affected by their carelessness should be paid too. On my teport last uear they had a XXXX address for me and were associating me with another person of the same name and it looks like theyre still doing it.
Complaint sub-issue: Trouble with how payments are handled

I have a student loan serviced through FedLoan Servicing Credit. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Their investigation did not fix an error on your report

I am both disappointed and frustrated at the lack of due care of my credit profile. This entire process has revealed both incompetence and straight-up lies. I have filed several disputes directly to your agency and through the CFPB. Yet you continue to post an erroneous bankruptcy. 
XXXX XXXX  Your response to my dispute is that you investigated the matter and that the information is coming from XXXX XXXX. You are either lying about investigating or you are lying about the results. XXXX XXXX has REMOVED this Bankruptcy because they have admitted this was a mistake. I sent you the letter in the first CFPB. I am sending it again. Attached : XXXX XXXX report FCRA 609 ( e ) Since you will not correct this matter professionally, I had to file a formal police report to exercise my rights under the FCRA. This error is hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this public record and all accounts associated with it be blocked from my consumer credit file. I do not want you to put any freezes or alerts on my credit report. I do want you to send an updated credit report with FICO score once this is resolved. Please do not continue to stall. I am very litigious and represented by Attorney XXXX XXXX both personally and professionally. I am 100 % willing to work with Equifax to resolve this matter as soon as possible. 
Best Regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax did not provide the proper level of security to protect my consumer credit information from being stolen. In addition, Equifax did not notify me not only in a timely manner, but have yet at all to notify of this breach to this day, XXXX XXXX XXXX, when the breach happened from mid XXXX through XXXX. I 've found out through the media and confirmed I was effected through their website. They offer an unacceptable compensation of 1 year free monitoring when I now have to be concerned for far beyond a year.
Complaint sub-issue: Reporting company used your report improperly

I am filing a complaint against the three credit reporting agencies, The Lending Club and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some dental work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The dental office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2021 Discover Bank closed my savings account containing a balance of {$10000.00}. They provided no reason on why they closed my account. 
After contacting them several times regarding returning my {$10000.00} back to me they are telling me that it will take 60 to 90 days before they send a check back to me.
Complaint sub-issue: Trouble with how payments are handled

After multiple attempts to resolve this issue with the loan servicers, American Education Services and National Collegiate Trust, by presenting a reasonable repayment option that would allow for a full repayment of the loan they have illegally defaulted on. Their actions have been in direct violation of multiple federal laws. I am providing 30 days for these companies to agree to my terms of a full repayment of my student loans under the condition of a complete reversal of all illegal negative credit reporting against myself and my co-signer, as well as reasonable monthly payments. If no attempts to resolve this issue are completed, I will be forced to use the courtroom to protect myself from this blatant discrimination against my and my cosigner 's federal rights.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Greetings, This letter is a formal complaint that your agency has several INACCURATE fraudulent personal identifiers being furnished on my credit report. To clear things up, My one and only correct full name is : XXXX XXXX XXXX -as displayed on my drivers license. 

My correct and legally obtained social security number is : XXXX as displayed on my social security card. 

My date of birth is : XX/XX/XXXX -as displayed on my drivers license. 

My current correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as displayed on my drivers license as well as my current utility bill attached to this letter. 

15 USC 1681e clearly outlines compliance procedures that you are required to follow PRIOR to furnishing information onto a consumers credit report. You have violated my rights by continuing to furnish incorrect, inaccurate, and unverifiable information onto my credit report. I have also kept the previous letters as well as the CFPB complaints just in case I need to notify my states attorney generals office of your agencys willful non-compliance. Whenever a consumer reporting agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please DELETE the following INACCURATE information listed below that is being furnished by your agency and no other agency to my credit report : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete from my credit report. 

The next step will be to send invoices to your agency for each consumer violation visible on my credit report at the amount of XXXX USD. I give you only permissible purpose to furnish the things I have identified at the beginning of this letter, MY TRUE AND CORRECT PERSONAL IDENTIFIERS. I have validated this information with documents that I have attached with this letter : -Drivers License -Social Security Card -Utility Bill -CFPB complaint I did not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified, invalid alleged personal identifier information. As a consumer you should understand the importance of my credit report and how inaccurate information is detrimental to my report and intentionally publishing inaccurate information after you have been notified by the consumer is a form of defamation of character. In accordance with the Fair Credit Reporting Act, consumer protection laws, I request that these NOTED items be deleted from my credit report. This must be completed within 30 days to avoid further violations and escalation. 

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank for your timely help in this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Complaint sub-issue: Account information incorrect

I filed 3 disputes with equifax about hard inquiries that I did not authorize I asked equifax to show proff where I approved this credit pull and all 3 times equifax failed to provide me any information and never sent nothing to the credit companies they failed to investigate anything
Complaint sub-issue: Account information incorrect

I noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable. 

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account. 

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Information Services LLC XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are XXXX late payments being reported. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Complaint sub-issue: Investigation took more than 30 days

The Equifax data breach has not been addressed. My social secuirity number and other personal information is currently held by an unlawful organization and this puts my security at risk. It is unacceptable that there has not been a coordinated response by the US government.
Complaint sub-issue: Received bad information about your loan

In dealing with Discover Student Loans, I have found it impossible to remove my parent/guardian as a cosigner from a small student loan (with more than 48 consecutive on-time payments). I have applied twice to get my parent/guardian removed as cosigner, and each time, Discover provided me with conflicting information about whether this person was removed or remained on the loan. Once I was told my parent/guardian was removed. Twice I was told that person remained on the loan. I have zero confidence in their cosigner review/release system. Questions specific to the review process inquire about age and career level, which I believe can be used to discriminate. I have a high income, low debt ratio. My credit score is considered excellent, and I have had a full-time job for with above average income for several years. Still, I cannot get a cosigner to be removed from a $XXXX  undergraduate loan. I want CFPB to look into the process by which Discover Student Loans grants applicants the ability to remove a cosigner. I believe they are taking advantage of the system and denying requests outside their rules and guidelines. And I believe that they are discriminating against applicants on the basis of age.
Complaint sub-issue: Personal information incorrect

I have contacted Equifax to dispute this information. I find it very disturbing that I am speaking to someone in another country giving them all my personal information. These are countries that a known for fraud. I spoke XXXX employee # XXXX at the XXXX XXXX call center. Requesting bank statement, drivers license, mortgage statements. This facility has had a data breach in 2018. Why am I giving my personal information to overseas call centers? How can I get my personal information corrected?
Complaint sub-issue: Account status incorrect

I have previously contacted Fedloan in the years past and notified them of the incorrect reporting but updates were never made to correct their reporting. XX/XX/2016, my area was affected by hurricane Matthew and forbearance was requested ; however, Fedloan continued to report late pays. Also reporting was incorrect prior to the forbearance request- they reported 2 -90 day lates 2 months in row not notifying me the accounts were 30 or 60 days late prior to reporting 90 day lates for 2 consecutive months. FedLoan is reporting these inaccuracies across all 3 bureaus. The incorrect reporting occurred from XX/XX/2016 to XX/XX/2016.
Complaint sub-issue: Account information incorrect

The company agreed to update the past due history due to an agent error. They have given me a full credit towards the balance but failed to update the reporting. The reporting should be updated because the credit that was given was due to their own error and I should not have been reported late for XXXX and XX/XX/2019.