Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

Started monitoring my credit in 2017 and noticed a student loan, have been trying to report a fraudlent account had been opened in my name but had experienced a financial hardship. When I began to get financially stable I was able to start disputes, report my identity stolen and get my life back. I called XXXX XXXX XXXX, XXXX and NelNet to dispute directly through them. Nelnet refuses to investigate even with my identity theft report being submitted to them. I did not authorize any student loans and had no knowledge of this account until XXXX later.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I made a payment to the apartment complex I was renting from. The lease was ending on XX/XX/XXXX so the property management sent me an email with the prorated amount due. I wanted to make a split payment with my XXXX Best Buy credit card for {$790.00}. In error I paid {$2600.00} to XXXX XXXX XXXX AZ. I called the property immediately to request the payment be cancelled since it was showing pending on my end and when I spoke with the credit card company they stated it had not posted on their end. The personnel in the office at the apartment complex were not willing to assist and she portrayed there was not much she could do although she was the property manager. Once the amount showed up on my Best Buy credit card account, I called back and started the process of the dispute. I faxed documents which showed the prorated information from the apartment complex that was sent to me. I faxed them the ledger to show the over payment. I called Best Buy XXXX credit card multiple times, I was expecting a 30 no more than 60 day turn around but every time I called they had no updates or information. I recently received a letter from Best Buy stating my dispute was denied and charges were valid. I have not received any over payments from the apartment complex either. I have emailed them a demand letter today on XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I would like to get a charge off removed from my credit report called XXXX XXXX {$4100.00}
Complaint sub-issue: Account status incorrect

XXXX To whom it may concern : I would like to file a complaint against Equifax credit reporting agency. For years this credit reporting agency has intentionally continued to report inaccuracies to my credit file. 

Equifax has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my Equifax credit report. 
XXXX XXXX has claimed that Equifax has provided this information to them. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Equifax insists on maintaining onto my credit file. 

Equifax credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 
For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan. 

For many years now, Equifax has reported all sorts of fraudulent false status information regarding my XXXX XXXX. 

And for years whenever I have disputed the false, fraudulent information, between the Mortgage Company and Equifax, they have both done all sorts of deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Equifax is reporting is untrue false information ; I have had all sorts of issues with inaccuracies from them, as well as the mortgage company.
Complaint sub-issue: Account status incorrect

This account was in bankruptcy until XX/XX/2018. Selene finance said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business
Complaint sub-issue: Account information incorrect

I do not agree with the company furnishing negative information to XXXX. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. XXXX nor any other consumer reporting agency has my written permission to furnish any information without my written permission.
Complaint sub-issue: Account status incorrect

Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 1XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX  acct # XXXX 3.XXXX XXXXXXXX acct # XXXX 4XXXXXXXX acct # XXXX have violated my rights. 

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

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not mine

I am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with the Consumer financial protection bureau complaint ID XXXX filed on XX/XX/2021. The complaint was against XXXX XXXX XXXX reporting a collection and or charge off of {$97.00} on my Equifax credit report. I have disputed the information twice with Equifax, dispute # XXXX and dispute number XXXX Requesting the collection be removed from my credit report as the account has been paid in full directly to XXXXXXXX XXXX XXXXXXXX who is the original creditor. XXXX XXXX XXXX XXXX responded on XX/XX/2021 to my CFPB complaint with the following response : we have already updated the account information and have placed the instructions to have the account removed from Miss XXXX XXXX credit reports and we will send Miss XXXX  a letter confirming this deletion. I also faxed Equifax supporting documentation on XX/XX/2021 requesting the deletion. They have refused to remove this account off of my credit report. Equifax costed me issues with delaying my closing date of my new home as a result of this issue. I also called and told them that I was going to report them with the attorney general as well.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

Refuse to update correct mailing address after I have submit my " state '' Driver license.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem getting your report or credit score

On XX/XX/XXXX a Mortgage lender attempted to access my Equifax credit report and they informed me that the result came back as no credit score and they couldn't access my report. I spoke with another lender and they sent me proof of the message that they received when they attempted to pull it. 

I called Equifax multiple times to try to resolve it. Initially, I was informed that my Equifax is not suppressed or blocked. However, when I called back on the XXXX of XXXX, I was told by the Office of Consumer Affairs that I need to verify my identity in order to have this cleared. Today, I spoke with another agent at Equifax and he said that there is no block or hold on my report. 

This situation is very frustrating and is impeding upon my ability to acquire a mortgage loan to purchase a home for my family. Also this is a clear violation of my rights under the Fair Credit Reporting Act. 

15 U.S.C. 1681c-1 states that the Consumer Reporting Agency may decline or rescind any block.

15 U.S.C. 168c-2 states that the affected consumer shall be notified promptly.
Complaint sub-issue: Information belongs to someone else

Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in 2018 and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever
Complaint sub-issue: Problem with customer service

We applied for pre-approval on a home mortgage with the PNC Bank. They asked for my credit card number to charge a credit report. I found out later that they charged my card for other customer 's bills and when I complained they finally removed the charges but refused to relinquish access to my credit card. The Lady said that she had the right to charge my card for anything she deems OK. I complained to the CEO of PNC and they have refused to respond. They quoted us an interest rate of lower than 4 %. Then they attempted to ignore the contract and charge us more and even require us to pay {$780.00} for the right to the higher rate.
Complaint sub-issue: Problem with customer service

XXXX XXXX XXXX website is currently indicating that it is down for " scheduled maintenance, '' and has apparently been like this for roughly 7 days. Furthermore, their " contact us '' section of the website is hidden behind the " scheduled maintenance '' page as well, making it difficult to contact the company to address the situation ( unless you already have their contact information ). This is delaying my access to tax documents and making it so I am unable to see the status of my monthly payment.
Complaint sub-issue: Information belongs to someone else

I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax reported a breach in their system that exposed personal information on 143 million people in the United States. This information included names, dates of birth, social security numbers, and potentially drivers license and credit card numbers as well. While I understand that Equifax is also a victim in this attack, this is still unacceptable to the highest level. By simply participating in the credit system in the United States, one is forced to take part in working with agencies like Equifax, XXXX, and XXXX. Because of this, there is an inherent level of trust that must be established and this breach shatters whatever trust may have existed. Something must be done to both ensure that companies can not get away with this and that our information is stored in a manner of the utmost security.
Complaint sub-issue: Problem with statement of dispute

XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 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 CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX Opened XX/XX/2015 Stating two 30-day late payments It is in violation due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Problem with product or service terms changing

I have 9 Federal student loans with XXXX that were once serviced by the department of education. These loans were sold, without my consent to XXXX who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Complaint sub-issue: Debt was paid

This is inaccurate, the payment status, it is not reported consistently across the bureaus. Also the payment history is not clear as to when is the payment ok or not.
Complaint sub-issue: No notice of investigation status/result

On XXXX/XXXX/2015, Equifax, which merged my credit report with that of my sister unlike XXXX and XXXX, has sent me an email, indicating that the results of one of the disputes that I had started with them ( dispute confirmation # XXXX XXXX are now ready for me to view. Their so-called investigation results say that Equifax " verified '' that the items that belong to my sister, NOT me, belong to me, which is impossible! And I know, for a fact, my sister has NEVER used any of my information because the loans, installments, debts, credit cards, etc. that Equifax claims are mine do NOT show up on my XXXX and XXXX credit report as XXXX and XXXX show ONLY the loans, installments, debt, credit cards, etc. that belong to me. This is purely the fault of Equifax and their incompetent staff. They are the ones that started this mess yet they refuse to fix the very mess they created in spite of my wasting weeks trying to help them fix it.
Complaint sub-issue: Information belongs to someone else

XXXXXXXXaccountopeninmynameforXXXXdollars
Complaint sub-issue: Don't agree with fees charged

In reference to Case number : XXXX disputed the companies response in reference to the case number above. 

My dispute is against Genesis Lending Services. I was forced to take out these private loans by XXXX University. I am currently dealing with the state attorney of Florida in regards with the way I was treated by XXXX. When I made the complaint here against Genesis Lending, they quickly sold my account to another party instead of allowing me to receive my 40 percent from the settlement against them and XXXX. This to me is unacceptable because if I had made no complaint against them then they would still be servicing my loan. They made no attempt to fix the issue and the XXXX thing they did was sell my loans..? The response from them was shocking to me because I had no knowledge that they sold my loan until I received an email a few weeks later on XXXX XXXX, 2015. Yet again, they only sold it after my complaint and that is horrible! I am in debt to them for XXXX and it started at XXXX. I am in debt to XXXX for XXXX! I am only getting a 4 year degree. This is too much and I am only asking for help but it seems like everyone is trying to sweep things under the rug. I am going to send letters to the white house if I have to if nothing is done to help me. Genesis told me I was to go to CFPB for the 40 percent and CFPB told me to go to Genesis, which XXXX is it?
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Sc XXXX has been reporting false information, about me, to the credit bureaus for over 2 years. 
I filed a police report for fraud and identity theft, regarding this account and others. 

The account has been removed from my credit report on multiple locations but after it is removed XXXX XXXX XXXX will then have it reported to my credit report again under their partner, Collection Agency, XXXX XXXX, XXXX. 

Same owner ( s ), same city, state and address. 
As of XX/XX/2021, They are claiming that I owe them a loan in the amount of {$24000.00}. I have never taken a personal loan out with this company and I certainly have no written agreement with them. 

In XXXX XXXX XXXX, I faxed and certified mail them a letter asking for proof of this loan that they're claiming that I owe them. I also demanded that they contact the credit bureaus and have this false collection account removed from my credit bureau. I was never sent written proof of this loan agreement, nor was the collection removed from my credit reports.
Complaint sub-issue: No notice of investigation status/result

file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!