Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Fed Loans reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.
Complaint sub-issue: Other problem getting your report or credit score

I have sent numberous request for my credit reports, from all three bureaus, XXXX EQUIFAX, AND XXXX, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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: Information belongs to someone else

I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number : XXXX, XXXX/ Accont # : XXXX XXXX  credit card/ Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and  XXXX  refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Complaint sub-issue: Information belongs to someone else

There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 JEFFERSON CAPITAL SYSTEM added a derogatory on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say its mine. According to the FCRA, JEFFERSON CAPITAL SYSTEM has violated my rights and I'm requesting legal action to remove account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax on XX/XX/XXXX. Confirmation # XXXX. They completed on XX/XX/XXXX. I then contacted on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Conacted again on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Opened another on XX/XX/XXXX, Confirmation # XXXX, not completed yet. 

I orginally sent Equifax a listing of my Bankrputcy Schedule from the courts, with all my included creditors, as well as the discharge when it happened. There is still at present date a creditor from XXXX/XXXX XXXX that was opened in XX/XX/XXXX, Showing a Charged off Status with a balance of {$35000.00} as of XX/XX/XXXX. Numerous documents from the court and discharge has been sent to Equifax. They keep opening new disputes and it is not fair that I have to keep waiting for this account to be updated and reported correctly to be discharged and included in my Bankruptcy Chapter XXXX Case. There is no reason why that Equifax has to keep on delaying the process to update this account to reflect as included in Bankruptcy. 

When you call Equifax, you reach reps that are not in the US and if you do get someone in the US, they will not escalate the call to a manager or supervisor. This information should have been corrected within 30-45 days of my initital contact. They should not be opening multiple disputes and wasting my time.
Complaint sub-issue: Their investigation did not fix an error on your report

To : Whom it may concern CC : CFPB ; XXXX XXXX Attorney General ; XXXX XXXX XXXX, XXXX XXXX XXXX LexisNexis Claims to have used a database called XXXX to verify my alleged bankruptcy and then sold this information to the Credit Reporting Agencies XXXX and XXXX. 

XXXX makes it clear that a consumer has a right to privacy. LexisNexis Going out and digging up this negative information about me is an infringement upon my consumer Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Pursuant to 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction to furnish this item. 

Attached is the document I received back from the United States Bankruptcy XXXX - XXXX XXXX of Indiana that states that they do NOT provide any information directly to any third party information gatherer. 

Since LexisNexis Claims to have investigated this Bankruptcy Pursuant to 15 usc 1681a- ( e ) XXXX states that in order for LexisNexis to have conducted an investigation they have to have spoken to neighbors, friends or associates etc, and if LexisNexis spoke with them the information Provided can not be factual. 

So now I need to know who LexisNexis Consumer Services Spoke with? 

If this can not be provided I demand that bankruptcy be deleted immediately and updated with XXXX and XXXX. 

Attached are all the documents required to verify my identity ( Which I have already provided you with several times ). 

This is my final attempt to resolve this before pursuing litigation as this issue has caused me XXXX, XXXX, and defamation of character if Lexis Nexis is unable to resolve this issue due to violations committed to me, the consumer, a natural living person. 

XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Complaint sub-issue: Their investigation did not fix an error on your report

THE CREDIT REPORTING AGENCIES ( XXXX, XXXX, AND EQUIFAX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX  CARD ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER XXXX XXXX XXXX CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - XXXX, XXXX, AND EQUIFAX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.
Complaint sub-issue: Account information incorrect

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then XXXX %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on 1-2 yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
Complaint sub-issue: Fees charged for closing account

I moved from XXXX XXXX to XXXX XXXX XXXX on XX/XX/2021. Before I left XXXX I went into the XXXX XXXX to let them know I was moving to XXXX and opening a local bank account. I informed them that the account would remain open until I could get mine and my wife 's direct deposit changed along with my auto pays for many accounts. Once everything had been changed and cleared I transferred the remaining balance to my new bank in XXXX. I was never contacted by anyone at Key Bank after that until now I received a collection notice from XXXX XXXX XXXX stating I owe {$150.00}, {$50.00} per month for the last XXXX months. I spoke to Key bank home office today. They spoke to the collection agency who said they would have to contact the branch. When they contacted the branch, they said they could not refund the {$150.00} fees because there is no account to credit them to. They really don't need an account they just need to write them off because I did everything I needed to do to close the account.
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Equifax, XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX  partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My EQUIFAX report contains inquires and collections that I do not recall originating nor do I possess document copies having my signature authorization ( s ) the same that's on my Texas Diver License # XXXX. 

Demand is made for verification or deletion of the following data : INQUIRES Report Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX ( ID ) XXXX XXXX XXXX ( ID ), XXXX XXXX XXXX # XXXX ATTN, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX COLLECTIONS Report Date : XX/XX/XXXX Date Reported XXXX, XXXX Collection Agency XXXX XXXX XXXX   XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$310.00} Amount {$93.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX XXXX XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
Complaint sub-issue: Personal information incorrect

I have two student refinance loans with XXXX/Earnest ( Earnest.com ). I recently moved and changed my address for many of my personal accounts. I gave Earnest my correct new address, but they still somehow reported it incorrectly to the 3 major credit bureaus as well as the 2 smaller ones ( XXXX and XXXX ). 

I requested to Earnest that they fix this issue as when I tried to have XXXX   remove it, they said that Earnest must first correct it on their end. After contacting Earnest, they told me that they do have the correct address on file and that's it's not their problem. 

I now have inaccurate information on all of my credit files and am having personal information mailed to the wrong address. Please assist me! 

The correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Incorrect address reported by Earnest ( missing the " XXXX '' in my Apartment number ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks!
Complaint sub-issue: Account information incorrect

Equifax is this report?? 
This information is wrong and you need to remove the entire tradeline
Complaint sub-issue: Information belongs to someone else

I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.
Complaint sub-issue: Account opened as a result of fraud

I have opened a new bank account with US Bank and they needed proof of address. I've sent in my i.d . social, two forms of mail, my marriage license & the front & back page of my signed lease and they still will not release my funds. But they sent me my credit card and another fraud paper in the mail so they sent that stuff to an address that they " can't confirm '' but won't release my funds to me. That makes no sense and now I see it as they are stealing money from me. Please contact me back at XXXX or XXXX thank you
Complaint sub-issue: Information belongs to someone else

I have discovered many false reporting accounts on my credit report.
Complaint sub-issue: Trouble using the card to pay a bill

Hello my name is XXXX XXXX. I have a usbank reliacard. My card was locked XX/XX/XXXX. I have been contacting relicard customer service to get this fixed, I was told to fax a copy of my ID, drivers license and the reliacard number. I did all that and waited two weeks. Called them back and they said there was no fax ever received. So then I uploaded the documents on their website. I was told my an agent that the documents are now attached to my account and that it would take 5 business days for them to review it an unlock my account. It has been 5 business days and I am now being told my account is not unlocked an could take up to a month. I have bills to pay. I will loose my home. This account has already been locked for over a month. Please help. Usbank reliacard has  been given all the proof of my information. Every agent I talk to makes up more lies an just says to wait. I cant keep waiting.
Complaint sub-issue: Account opened as a result of fraud

I realized that my identity was stolen a while back and I recently checked my credit and discovered accounts that are the result of identity theft, and these account is XXXX of them.
Complaint sub-issue: Problem using a debit or ATM card

I have been using cash apps direct deposit option through XXXX XXXX. Ive received many deposits from work and my unemployment benefits, even the stimulus was deposited there for me. However on XX/XX/2020 my cash card all of a sudden stopped working declining every transaction I wanted to make. When I tried to activate my card it kept saying I was not able to then my card disappeared. I then had the option to start a new card but it kept saying it can not activate a new card for me at this time. Ive tried several times and several attempts to speak to cash app but the response is lagging. I am supposed to have received my unemployment benefits by now but cant because they wont let me activate a card. I need help, and have bills to pay.
Complaint sub-issue: Other problem getting your report or credit score

I was part of the data beach with Equifax. I was never notified nor did they tell me this. They put a freeze on my account and are now telling me I have to pay to send in papers to get into info. I can not apply for XXXX until the freeze is lifted and they wont lift freeze until I pay XXXX to fax the papers. I did nothing wrong and they are acting like they are the victim. I have been on the phone since XXXX trying to rectify the situation to no avail. Why is the victim being made to pay for the mistake they made. I have been married for 3.5 years name is changed legally and they still have maiden name on account as well as have items on report from XXXX XXXX that has the wrong last name on it. I have not lived at address on their file for 5 years. They will not give me a copy of credit report until I the victim pay to send in info they are requesting but refuse to ask any security questions like XXXX  did to change my name and address.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Complaint sub-issue: Threatened to sue you for very old debt

I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from Citibank for an unspecified amount. I represented myself and indicated that not having signed any agreement with XXXX XXXX XXXX XXXX but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.
Complaint sub-issue: Problem with customer service

I applied for loan consolidation in XXXX and was told it takes 1-2 weeks to process. Fed loan sent me an email stating that the loans were being consolidated in XXXX. However, after I reveived the email that my loans were consolidated, on XX/XX/22 my older loans were forgiven and the newer ones that should have been consolidated and received the higher payment count were not counted nor included. They literally sent another email stating that now they can not finalzie my consolidation because the older loans were now at zero and a balance is required for consoldiation. Meanwhile they just sent an email listing all 4 loans are being consolidated days prior. It makes no sense and is completyely unfair and ridiculos. I was told its a mistake and they will escalate. Nothing has been done but empty promises. I filed a previous case and it was closed because staff did not speak to me or follow directions correctly. I want someone to look over this immediately. All of the loans should have been forgiven. together. I applied on time to consolidate and obtain the higher payment count under the guidelines on time. This needs to be resolved and the remainder of the loans need to be discharged. I have been promised a review for over 2 months and nothing has been done. The supervisor says everytime we just received word about all the issues that were submitted prior to yours so yous should come in any day now. Over 2 months later absolutely no resolution in sight. I did everything correctly and applied within the guidelines. They keep giving me the run around.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the Fair credit reporting act XX/XX/XXXXt Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX( XXXX ) # XXXX XX/XX/XXXX # XXXX # XXXX XX/XX/XXXX# XXXX XX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a 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