Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Republic Finance # XXXX I have sent XXXX  and Republic Finance several letters over the last XXXX months in XXXX and even one in XXXX of XXXX requesting validation of a debt. I included my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. I sent at least 6 letters to XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX starting on XX/XX/XXXX requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. Moreover this account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Republic Finance has been re-aging this account which is a violation of my rights. XXXX  has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me? 

Again, I previously submitted letter after letter to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
Complaint sub-issue: Information belongs to someone else

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




XXXX XXXX  XXXX XXXX  {$13000.00} ; XXXX XXXX XXXX XXXX XXXX  {$19000.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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: Their investigation did not fix an error on your report

I have been in contact with Equifax for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. Equifax has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXXXXXX- # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue Equifax for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.
Complaint sub-issue: Problem accessing account

My spend account with Credit Karma was locked around the middle of XXXX - after XX/XX/XXXX. I discovered it when my card was declined several times. I kept calling and the support team couldn't tell me why. I have not had access to my money, which is my federal tax return and now my federal stimulus checks. 

Every time I call to inquire they tell me they can not help me and that the department that is handling the " issue '' does not have phones they only email. I have never received an email from the department that is handling the " issue '' and I have yet to be told what the " issue '' is for certain. 

I have called or emailed numerous times : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX - trying to resolve this issue and find out why my account is locked. 

Today, XX/XX/XXXX is the first time someone told me that the special " escalated department '' at Credit Karma needs to send me verification forms to prove that I am who I am - for what purpose - I do not know. 

I was told when I first called my request would be handled in 24-48 hours. 
The supervisor I spoke with today told me " these cases can take a week '', his best case can " be 2-3 days '' and my case is " the worst case he has seen ''. FOR WHAT? I do not know. 

I absolutely say publish this information. XXXX should not use CreditKarma any longer. Just send people their refunds.
Complaint sub-issue: Received bad information about your loan

I have been paying my XXXX loan for 15 years straight, without being late on a payment. I'm desperately seeking to get Biden 's student loan forgiveness. Once, I heard about the loan forgiveness, I started emailing Nlenet right away to get as much information. I have emailed them since August-now. Sometimes, they don't even reply. When they do, they never answer my questions directly and just tell me to go to the Studentaid website. 

I consolidated with Nelnet back in 2007. My loan begins with the letter " J '', and what I have read doesn't qualify for forgiveness. It seems like they have robots working over there. They have not helped me once. My interest has been the same for 15 years. 

Should I default on my loan now, so I can get forgiveness? My patience is running thin with Nelnet. I'm an English teacher in XXXX XXXX and this loan has been weighing me down for years. I still owe over {$26000.00}. My loan started at {$55000.00}. 

Thanks
Complaint sub-issue: Account opened as a result of fraud

I have fraud protection due to an exposure of personal information. I got a warning that an attempt from " XXXX XXXX  '' to open a bank account. 
Found : Bank Account Opening Bank : XXXX XXXX I contacted XXXX, and they had me stay on phone while they called XXXX XXXX, a South Carolina branch ( not connected ), and their online bank. None of these banks said that they had an account opened for me or could track the credit request. I was told someone might have misrepresented themselves as " XXXX XXXX, '' recommended I freeze my credit reporting, and that I should report the incident to you.
Complaint sub-issue: Account status incorrect

Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I took a loan from Moneylion at the end of 2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " Location Services '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in financial services and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.
Complaint sub-issue: Problem with customer service

Citi has " reviewed '' their internal actions and surprisingly came to the conclusion that they have no wrong-doing. They have reduced my credit limit for no reason, refused to process automatic payments with the intent of forcing the account to have late payments, charge fees as a result of their actions, refused to credit payments, and increased the rate to the penalty rate after 1 late payment ( again the results of their system ). 

They have been flippant and dismissive in their responses, and have been punitive in actions as a retaliation to leveraging complaints to the CFPB in order to force action. Their staff is rude and lacks all skills necessary for proper service. 

This is the single worst bank I have ever worked with, I am appalled that you allow them to continue to treat customers like this. 

Additionally, the response I received from my last complaint, listed a closure reason that I was not their customer. Their direct correspondence to me clearly shows that they were in-fact able to locate me. I find it disgusting that they would lie to governing body such as the CFPB in order to cover up their own wrong-doing.
Complaint sub-issue: Debt was paid

The original creditor XXXX was paid all rents and utilities on time and in full. After completing the lease there was never any notice of any additional money owed as everything was paid in full. Several months later Hunter Warfield ( a collection agency ) contacted me saying I owed over {$800.00}. I requested a full description and invoice for what was owed and never received a response. They later added a derogatory remark on my credit reports. Note that the original lease company never contacted me on this.
Complaint sub-issue: Was not notified of investigation status or results

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX STATED IN PREVIOUS RESPONSE THAT I NEEDED TO BE MORE SPECIFIC SEE LIST BELOW XXXX XXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX {$340.00}
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 XXXX
Complaint sub-issue: Personal information incorrect

my address is not showing in the credit report from equifax and the credit card are denying my application
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Complaint sub-issue: Reporting company used your report improperly

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Complaint sub-issue: Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a inaccurate last payment for a charged off account it stating my last payment was XX/XX/2018 but the correct last payment date is XX/XX/2018 Please verify and delete all inaccurate accounts
Complaint sub-issue: Problem with statement of dispute

My names is XXXX XXXX recently i 've checked my credit report and came across XXXX inquiries about my score i 've checked on the inquiries and they have popped up coming from different states i 've never been too like XXXX XXXX and XXXX these inquiries are from XXXX XXXX XXXX, XXXXXXXX XXXX card i would really appreciate your help and assistance in taking care of these inquiries i am worried about my credit information so please help me figure out these situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Can't use card to make purchases

For the past XXXX XXXX or so, I tried to use the card at my XXXX XXXX XXXX XXXX XXXX 
They declined the card I used many times. 

I called the credit card many times. All I get is hang-ups or say it's not their card.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, I am having an issue with XXXX credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

XXXX limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX, which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

XXXX has also gotten into the habit of changing my username and password on two nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked XXXX  and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down XXXX points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX accounts XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights :15 U.S.C 1681 section 602 A states i have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.