Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 and XX/XX/XXXXI sent a letter regarding inaccurate and unknown things on my credit report. I have not yet received a response and its over 60 days. My disputes are being ignored and I feel power is being abused here. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these items be deleted immediately or I will seek litigation due to the XXXX it has caused. I was also affected directly by the Equifax data breach and my information was impacted and may have fell into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Complaint sub-issue: Card opened as result of identity theft or fraud

Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : XXXX XXXXXXXX Past Due : {$1300.00} Most Recent Payment : XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. 

I have attached the FTC identity theft report
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2018, my student loan service provider ( XXXX f/k/a XXXX XXXX XXXX ) for the past 10+ years, transferred my loan to a new service provider ( Nelnet ) without my permission ; and the interest rate is wrong.

I have placed numerous calls and have sent numerous emails to both Nelnet and XXXX to rectify the problem, to no avail. In fact, XXXX placed a call to Nelnet explaining that lender incentives of 1.375 % interest rate reduction ( see attached ) was supposed to be applied against the 8 % Nelnet is reflecting ( to properly state my rate at 6.625 % ). Despite all my communication efforts, Nelnet has not corrected their error.
Complaint sub-issue: Funds not handled or disbursed as instructed

There was unauthored account made at a bank called Comerica bank the state of XXXX, MI XXXX. I contacted the bank and they immediately closed the account. The number is XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Was not aware of the hard inquires
Complaint sub-issue: Information belongs to someone else

see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this
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. 
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 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: You told them to stop contacting you, but they keep trying

On XX/XX/2019, I requested a validation of debt to Professional Credit Service ( PCS ) via US Mail. The alleged debt is {$200.00} from XXXX XXXX. I requested documents to be sent to me via mail, and I informed the company to cease all telephone calls and robo calls to me, family member, friends, and associates according to the Fair Debt Collection Practices Act ( FDCPA ). The company sent me a letter XX/XX/XXXX requesting additional information. I sent another letter on XX/XX/XXXX explaining to them that the only information I had was the information reported in my credit file. For the second time, I sent PCS a copy of my credit report which shows their information. I do not owe this debt. 

On Wednesday, XX/XX/2019, a representative ( XXXX XXXX ) from PCS called me from ( XXXX ) XXXX at XXXX on a recorded line. This company, Professional Credit Service, has violated the FDCPA by calling me after I insisted them to cease collection and calls. 

Until this date, the company has not provided validation of debt.
Complaint sub-issue: Information belongs to someone else

I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.
Complaint sub-issue: Can't get other flexible options for repaying your loan

The collage I went to ( XXXX XXXX ) is no longer accredited nor did anybody receive their diploma. The loan has tacked on so much interest and the school is no longer. I feel that the whole loan should be forgiven due to the severity of it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected XXXXonsumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX, Date : XX/XX/XXXX Account : XXXX  XXXX, Date : XX/XX/XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Complaint sub-issue: Account information incorrect

Starting during my time as a student at XXXX XXXX  my financial aid/scholarship/grant package changed for reasons unknown to me. As a result, I felt forced to take XXXX University private institutional loans. I felt it was my only choice besides being removed from the University for financial reasons. 
Upon graduating, I began paying these private institutional loans. 
They were placed in deferment when I took some additional classes at a community XXXX, aiming to be admitted to professional/graduate school. They continued in deferment when I entered graduate school. In XXXX, when I was in graduate school and my XXXX loans were to be in deferment, the University placed them in collections. They were placed in default/collections with no warning to me. I promptly contacted the XXXX University Bursar 's office to resolve this matter. They were rude, combative, and insulting to me and my character. 

Despite the fact that these high-interest loans were to be on in- school deferment, they still unjustly placed them in collections. The University claimed that they had contacted me regarding the loans. They provided no documentation of these alleged contacts. Other than telling me they had made contacts. They refused to show any proof, or allow me to talk to a higher level of financial authority at the University. 

One of the reasons I had to withdraw from graduate school was due to the inability to get federal financial funding, due to these loans wrongfully labeled as defaulted on my credit report. Since XXXX to this current year, XXXX, I have been harassed by different collection agencies on behalf of XXXX University. I have been harassed by these parties acting on behalf of XXXX University for XXXX years.This is in spite of my continuous dispute of loan default. One collection agency ( working on behalf of XXXX University ) even contacted me again this year, XXXX, despite my previous explicit instructions for them not to contact me in any manner.
Complaint sub-issue: Information belongs to someone else

I've submitted multiple disputes as well as contacted the credit bureau and original creditors. I've reported identity theft and place a security freeze fraud alert on my personal information but there is no change
Complaint sub-issue: Information is not mine

I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.
Complaint sub-issue: Report improperly shared by CRC

I have XXXX hard inquirings from XXXX/2015. It has been over a year now. Should these inquirings be taken off my report? All of these were concerning an auto loan, which was financed through another company not listed.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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: Old information reappears or never goes away

Equifax has allowed XXXX XXXX to reinsert a debt I do not owe on my credit report twice. XXXX XXXX has not presented a signed contract or affidavit from XXXX substantiating their erroneous collection. I have previously contacted XXXX regarding the original account that was paid, closed, and equipment returned. I closed my account not owing anything to XXXX. I never received the reimbursement customers were to receive even though I filled out the necessary. I never received notifications from Equifax or XXXX before reinserting this info for the third time to my credit report.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$500.00} USDEPED  XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}
Complaint sub-issue: Information belongs to someone else

I recently filed a letter addressing erroneous and inaccurate accounts that I have disputed and that can be seen in my credit file, and I am disappointed that they are still there. I do not verify such accounts, which is a violation of US Code 1681 Accuracy and Fairness in Credit Reporting, which is part of the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Department OF EDXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : 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. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
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 an 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. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for Equifax is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and XXXX and Equifax last active date is missing. Date of last payment is missing for XXXX and Equifax but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Hello, My name is XXXX XXXX XXXX XXXX. I am currently receiving PUA unemployment due to COVID-19. I have been on unemployment since XXXX. I have never had a problem with my reliacard until XX/XX/2020. I made a transfer of {$1400.00} from my reliacard to my XXXX XXXX card. After I attempt to make the transfer my card was block from any further purchases and the {$1400.00} never deposit into my XXXX  XXXX  account. I awaited numerous days and currently still waiting and nothing. Ive made several calls to reliacard and they told me I needed to fax verification to them for proof of identity to try and combat fraud. I sent my ID, my passport, my birth certificate and my card ID number right away and it has now been 18 days and I still dont have any access to any of my funds and my transfer was never completed. I have proof of everything. Please help me. I am not a scammer, I am not committing fraud. Im just a mom of XXXX  who needs to feed her children and pay my bills. Please help me. My telephone number is XXXX and my email is XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent this company 2 letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with XXXX and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
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. 
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 an 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: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them multiple requests, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXX. OF XXXX XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have an account on my credit file that I don't recognize as my account and every time I I call Equifax to dispute this account I can never get through to someone to speak with them about the matter. When I do speak with someone, the phone line has a very bad reception and the person on the other end does not speak English clear enough to understand me and I can barely understand them. I go online to try to dispute the error and every time I try that I get a message that states " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' The accounts are : XXXX XXXX XXXX  - XXXX XXXX/XXXX - XXXX These accounts are only showing on my Equifax report. There are pictures attached with my complaint.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am currently being XXXX  by a woman named XXXX  from Tek Collect her number is XXXX. She said my wife XXXX XXXX owes her old XXXX  Dr XXXX XXXX XXXX of XXXX  Rhode Island {$660.00} plus fees. I explained we do not owe that. This XXXX  has already stolen {$24000.00} cash from us. Let me explain My wife needed a XXXX  XXXX  we had a great XXXX  pull the remainder of her XXXX XXXX and put XXXX  in. All Dr XXXX  did is have a XXXX  made and screwed that XXXX  to the XXXX. He told us he only does the best XXXX made of solid porcelain it is hard so it will last 30 years. It is however expensive because it takes a long time to make and is hard to cut and drill. So as he requested I paid him {$25000.00} out of pocket upfront only to later find out he put in a cheap acrylic XXXX  that only lasts 7 years which all other XXXX  charge {$2000.00} for. Then to make matters even worse the XXXX  was defective costing me an additional {$1600.00} to replace that broken screw that the defective XXXX  kept breaking on the XXXX. The technician explained it like this. The back of the XXXX  was not touching the XXXX  so my wife would bite down and the XXXX would go down acting like a lever breaking that same screw each year. Right now he has taken {$26000.00} from me for this {$2000.00} XXXX, for a full XXXX. To fix the XXXX  he had the technician cut off the XXXX XXXX. So now I tell XXXX  I paid for a full XXXX  and he only gave us a partial XXXX  he owes me money. She said well I will tell him you dispute this charge but he says you owe it, if he says you owe it, then you owe it. since you said you will not pay it we will ruin your credit. It will remain ruined, the only way to get your credit back is to pay us directly in full. We will be mailing you a letter explaining your credit problem and how there is only way for you to fix it.XXXXXX/XX/XXXX he put the XXXX  in. XX/XX/XXXX he replaced a broken screw cost {$260.00}. In XXXX I paid {$660.00} for a broken screw. In XXXX another {$660.00} for same broken screw. XX/XX/XXXX he replaced the screw and cut the XXXX XXXX  off he sent me a bill for {$660.00} that is what I told XXXX I do not owe because that expense was incurred because of a defective XXXX. 

Attached please see XXXX of defective XXXX  before and after he cut the XXXX XXXX. Also attached most of the payments I made to this XXXX  including the disputed bill from XX/XX/XXXX showing he replaced a screw again. 

XXXX  license number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Rhode Island XXXX XXXX XXXX is XXXX years old