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

I consolidated all my XXXX loans and it is still showing up on my credit report as active.
Complaint sub-issue: Attempted to collect wrong amount

THIS DEBT IS MANY YEARS OLD AND IS SHOWING UP ON MY CREDIT HURTING THE LENGTH OF MY CREDIT HISTORY. THIS FALSE REPORT IS ILLEGAL AND SHOULD BE ELIMINATED.
Complaint sub-issue: Information belongs to someone else

I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX  several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX ( XXXX  ) # XXXX  account number. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Complaint sub-issue: Account information incorrect

I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making 96 to 99 qualified payments on my student loans and only have 22 payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a XXXX XXXX XXXX XXXX and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.
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 on how to remove the fraudulent items in my report 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

15 US 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: Account status incorrect

XX/XX/XXXX pulled my credit due to being denied a loan Sears cbna listed on credit report It says closed XXXX Date reported to who # # # # # # Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My SEARS CBNA CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX # # # # # And I had no phone until XXXX approx XXXX # # # # # # # # : : XXXX XXXX DOLLAR limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked cbna for the info on file for my sears gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that sears cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and XXXX are incorrectly reporting to Equifax and XXXX duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Information belongs to someone else

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX card # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX  XXXX XXXX XXXX Card
Complaint sub-issue: Information belongs to someone else

I'm filling a complaint for not upholding the law for not responding to my 30 day to respond letter due to identity fraud with Equifax.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received an activate money lion debit MasterCard in the mail and all my credit reports are frozen due to potential identity theft. I didnt authorize or attempt to open any accounts with MoneyLion or any other loan companies. This is FRAUD
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  ) 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 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 XXXXXX/XX/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 ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND XXXX AND EQUIFAX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi Bank changed their travel insurance policy right before the beginning of the Covid-19 pandemic. I was not aware of these changes when booking my vacation in XXXX of 2019 and denied the insurance offered through the booking agency as I thought my card would offer protection. 

Due to Covid, our vacation was cancelled and the booking agency would not allow a refund, postponed vacation, or a credit toward the following year. I then filed a dispute with Citi Bank and they would not offer any relief. Now, not only is the vacation cancelled but I am stuck with a bill of {$2000.00}. 

I wish that Citi Bank would clearly notify customers when terms of their card are changed. Possibly even have the card member at least acknowledge the changes to their benefits. I travel for work and settled on my two citi cards, in part, based on the travel insurance that was included.
Complaint sub-issue: Need information about your loan balance or loan terms

I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX  and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.
Complaint sub-issue: Information belongs to someone else

I lost my wallet in 2020, Im not assure of when I lost it, The following year until now, I've seen a unauthorized car loan and multiple inquiries.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Americollect inc I have received corespondents in the mail pretending to be an attorney if I did not pay the debt for a medical bill that's not mind. This company is using unlawful tactics, reporting inaccurate information on my credit report, violating the hippa act, providing medical information to third party credit reporting agency, XXXX, XXXX, XXXX, this inaccurate information has effected me in getting declined for credit card, employment, unable to purchase a home, rent apartment, this company has caused me stress, I have contacted this company through dispute letters, I informed the company not to contact on my work phone and my cell phone, but they continued to treated me .Also I never gave permission to the original creditor XXXX  XXXX XXXX XXXX to release any information concerning me to a third party, I never signed a hippa act release for to  realise my medical information, which this company is in violation of the hippa act, also both parties are violating the Fair credit reporting act they are intentionally ruining my credit with inaccurate information on my credit report I'm reporting to three credit bureaus XXXX  XXXX and XXXX  and I have put in dispute with this company regarding collection and they continue to violate my rights and use unlawful tactics by contacting me at work, on my cell phone, pretending to be an attorney. that if I did not pay they would seek for the action against me. I would like to resolve this issue by having this collections amounts of {$210.00}, {$280.00}, and {$280.00}, and {$310.00} to be removed from my credit immediately. This is not my debt.
Complaint sub-issue: Debt is not mine

A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. 

After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. 

I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.
Complaint sub-issue: Their investigation did not fix an error on your report

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, XXXX  and Equifax to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT EDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX XXXX {$840.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$280.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX {$340.00} XXXX XXXXXXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} CES XXXX {$4900.00} XXXX XXXX XXXX {$740.00}
Complaint sub-issue: Information belongs to someone else

equifax, XXXX, XXXX, has reported a fraudulent account on my credit report
Complaint sub-issue: Information belongs to someone else

In XX/XX/2022, several letters were mailed to Equifax regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. Equifax responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and XXXX were both supposed to report their findings to Equifax. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to Equifax myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to Equifax that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, Equifax still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and XXXX.
Complaint sub-issue: Fraudulent loan

15 U.S. Code 1692g - Validation of debts,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692e - False or misleading representations. 

ON XX/XX/22 I notice a letter in my private address this company EMVLP , LLC had no rights to my private address for one! after paying off my truck note this company EMVLP is now falsely accusing me of an alleged debt. i have no handwritten or electronic singe of nature. A signature copied or transferred is fraud! I didn't reach out to this company because i have no contract with them and i will not freely consent to offer up my private information that doesn't belong to this company. The audacity of these corporations to falsely XXXX allocations for debt with everything going on in the world today. I'm highly upset, and this emoting caused me a lot of distress and discomfort i had to seek medical car this treason for any living berating Man! Please fix this error this is affecting my life and credit score. Praise you so much in advance. 

ACCOUNT NUUBMER XXXX EMVLP , LLC XXXX XXXX XXXX XXXX WI XXXX sincerely yours XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

To whom it may concern, im writing you today in regards to this incorrect Jefferson capital account that's hurting my credit report. Account number XXXX. I have reached out to them numerous times to resolve this matter but to no avail. I will show you evidence that the account amount is incorrect there for should be removed from my credit report by following the fair cares act.
Complaint sub-issue: Need information about your loan balance or loan terms

I reached out to American Education Services ( AES ) on XX/XX/2019 to get copies of my payment history on all of my student loans. I am being sued for {$8400.00} by a different carry, XXXX XXXX XXXX XXXX XXXX, for a loan I confirmed I made payments on through American Education Services. I talk to a representative on XX/XX/2019 at AES and they said they had to mail me the transcripts. After 2 weeks, I still had not received the transcripts. I reached out again to AES and a gentleman named XXXX told me the system showed that the transcripts of my payment history were mailed. To this date, I still have not received my payment history from AES. I need this information in order to prove to the current company suing me that I have made payments.