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

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} 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: Investigation took more than 30 days

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Complaint sub-issue: Information is missing that should be on the report

I recently consolidated all of my students loans to apply for Public Service Loan Forgiveness ( PSLF ). When I did so, my credit score dropped by XXXX points, apparently because the individual student loans were closed to consolidate them into one large loan to qualify for PSLF. This is bogus and I'm wondering why this is and whether this is legal or not. It appears to be retaliation for applying for a federally-authorized program, for which loan consolidation is required.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX Account number : XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Complaint sub-issue: Account information incorrect

Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!
Complaint sub-issue: Information is not mine

I had previously said that those account was identity theft, they not mine. please remove according to the law.
Complaint sub-issue: Old information reappears or never goes away

I have inquiries that showed deleted but are still showing all my account that dont belong and this is XXXX also reporting on equfax that all of them need to be deleted and not showing on account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


HI, I have contacted the two of the credit bureaus about the posted companies. I am not familiar and I do not own a vehicle at all, nor have I made any inquiries. I've been a victim of 2 major company breaches and one other with my email and telephone number. I am in tears not just because I am seeing this again, the credit score companies are not listening and my credit score went down by almost 100 points! This is so upsetting. I have reported the two again today, being a third time. When I checked my records, I now see ( will continue, unspecified )?
Complaint sub-issue: Trouble with how payments are being handled

Dear Consumer Financial Protection : Fedloan refuses to accept, the US Dept of Veterans Affairs as a 'qualifying employer ' for purpose of Public Service Loan Forgiveness Program . 

For the past 12 years, Fedloan has contracted with the US government to manage my federal Direct Loan/student loans that I accumulated to become a XXXX XXXX XXXX  ; and for the past 10 years, I have an agreement with Fedloan, while working in Public Service, my monthly student loan payments will go toward Public Service Loan Forgiveness after I have made 120 qualifying monthly payments ( I have made about 90 or so ) under the qualifying repayment ( IBR ) plan, while I am working XXXX for a qualifying employer. 

Prior to, and since XXXX until current with no break of service I have worked for the XXXX XXXX  as a full-time XXXX XXXX XXXX  XXXX, as a XXXX  XXXX, serving XXXX XXXX soldiers, dependents and Veterans with the US Dept of Defense/US Army ( DoD ), and the US Dept of Veterans Affairs, XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Since XX/XX/XXXX, Fedloan has refused to certify the 'VHA ' as a qualifying employer, having left my monthly payments made toward Public Service Loan forgiveness in limbo. 

I have received letters from Fedloan, unsigned, unnamed, no contact information other than Call Center. Calls to anonymous Fedloan Call Center maze have been going no where, all of the agents declining to refer my calls to a Supervisor or Manager. 

I will be grateful if you assist in facilitating the Fedloan 's understanding, that mental health professionals and practitioners working for the XXXX XXXX  XXXX  the mentally ill, is a Public Service - it pays less than working in private practice, and I work in the desert of XXXX XXXX where there is an enormous shortage of mental health providers and low quality of life ; Fedloan 's refusal to act in good faith and capriciously refusing to accept my current employer as a bona fide 'qualifying employer ' is a Public Disservice. 

Thank you for your time, sincerely, XXXX XXXX
Complaint sub-issue: Called before 8am or after 9pm

I get calls on my cell phone before XXXX XXXX  on weekends. I also get calls throughout the day at my place of work, XXXX
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Complaint sub-issue: Account status incorrect

The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV B XXXX, IL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of fraud. I did the proper paperwork with the police department and Ftc. I submitted a list of accounts, the police report, ID and proof of address. I submitted this information on XX/XX/XXXX. XXXX and XXXX removed the information in less than 5 business days. Equifax has refused to review the police report, supporting documentation etc. They told me that the have to verify it from the creditor and not the police report or affidavits. This is a clear violation. I spoke with a manager on XX/XX/XXXXaround XXXX est and was advised could take another 30 days. In the meantime my ability to pass a background check for employment as well as extensions of credit is greatly impeeded.
Complaint sub-issue: Add-on products and services

I made a XXXX transaction, paying someone, and XXXX informed me of a 3 % transaction fee for using my credit card on XX/XX/2020. I do not dispute that charge for a total of {$250.00}. 
However - unknown to me - Citi Cards considers XXXX transactions to be a Cash Advance. In addition they charge interest on Cash Advances " that are not paid immediately '' even when the consumer does not know they existed. 
As I just learned today, XX/XX/XXXX, on XX/XX/XXXX Citi posted a Cash Advance fee of {$12.00} as a percent of the XXXX transaction, and IN ADDITION, interest at a usorious rate of {$0.00} also posted on XX/XX/XXXX because ( per my phone call with their rep ) I had " not immediately paid the cash advance ''. 
I note further, that my Citi credit card bill was paid up in full prior to the current month. 
I called Citi today and they said " that is a known issue with XXXX ''. However Citi refuses to remove these charges. 
Furthermore, I have a concern that they will report my " getting a cash advance '' ( no cash was ever involved ) and that this has adverse implications for my credit score.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX : XXXX/XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Complaint sub-issue: Information belongs to someone else

I am writing in regards to having these items deleted from my report. I am a victim of identity theft I did not make these charges mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission. Please delete these items from my credit report as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. XXXX ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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: Debt was paid

To whom it may concerm, my accounts was late due to the fact of my husband died back in XX/XX/XXXX so I fell behind on all my bills, try to keep up and then I lost my job so thing get every harder. XXXX XXXX   amount XXXX, open inXX/XX/XXXX, 0pen XX/XX/XXXX.also XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX  account , for XXXX, XXXX XXXX open on XX/XX/XXXX,XXXX, would like to have this remove do not owe, and XXXXXXXX XXXX XXXX do not now what they are a lot of open small amounts, XXXX XXXX open in XX/XX/XXXX, amount of XXXX not sure if the is correct.
Complaint sub-issue: Debt was result of identity theft

I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX  the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: No notice of investigation status/result

I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.
Complaint sub-issue: Information belongs to someone else

Equifax is being negligent. I am a victim of Identity Theft and Equifax is still reporting the fraudulent information on my consumer file. Attached is my Identity Theft report and letter to Equifax. I tried uploading these documents to Equifax 's website and the website would not allow me to.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts belong to me
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX my credit score went down XXXX points as XXXX XXXX XXXX XXXX reported there was 30 day late payment which was an error. The car was a loss and was paid in full along with the monthly payments which were paid on time. I tried filing a dispute online with Equifax and was provided a number to call. When I called they asked for a credit report ID # which I don't have. Please ask Equifax to research why my credit score went down XXXX points.
Complaint sub-issue: Investigation took more than 30 days

im really fed up w the way equifax buys time acting like there investigating my complaint. this is the 6th time ive filed and ive lost track of how many months have gone by and nothing has changed except Im getting denied credit due to mis information and lack of information alomg w wrong info that has not been changed or updated since XX/XX/2019 yet you allow equifax to pretend there investigating only to come back telling me they sent out inquiries to my creditors to get info why there messing up instead of them admitting there the problem. then i get a reply telling me be more specific? how much more specific can I be about my report not showing up when a creditor tries to see my report and if they do somehow get one its all bogus info dating back to XX/XX/2019 and blank in most places. I want compensated for there negligence and by law ive got ever right to get it. im 64 im not getting younger ive been debied a home loan, a car loan, a bike loan a personal loan and they use covid 19 as there reason there behind. i am sick of hearing that my XXXX is losing everything and i have nobody i can blame because of this virus. i think my info was comprimised back when equifax got hacked and there doing everything in there power to cover it up and buy time. youve cost me my most valuable asset of time wasted n You are held accountable. look at my complaints if you need more background they speak for themselves. lastly equifax has emailed me telling me they answered my disputes. thats nice if i could sign on to myequifax but they locked me out for reasons unknown so i have no recourse or idea what they have said but im sute its XXXX n buying time tactics putting it back on me. im done with this broken one sided system. the law is not on my side its obvious im the lil guy n you could care less about me or fixing my credit. so pay me now or pay me more later. IM SICK OF WASTING MY TIME TRYING TO PLAY BY THE RULES THAT ARE MADE FOR YOU TO IGNORE ME N HOPE I GO AWAY. I WONT TRUST N BELIEVE IL CONTACT SOME ATTORNEY WHO KNOWS THE GAMES YOU PLAY AND THEN MY DAY WILL COME. THIS IS UNFAIR AND NEEDS PUBLISHED SO OTHERS KNOW THE GAME YOU RUN.