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

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED and XXXX XXXX ( past the 6year statue of limitations for reporting student loans ) I have 4 of these accounts reporting to Equifax alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Three additional accounts are big balance XXXX  XXXX transfer accounts ONLY being reported to Equifax .Four accounts are reporting ( Collections /Charge off ) status and they are showing a balance due. Also I have a new accounts that are not reporting to Equifax with is negatively affecting my credit score. ( XXXX XXXXXXXX Account ).
Complaint sub-issue: Information is incorrect

I have filed a dispute to remove a address from my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX have remove the address from my consumer credit report. 

I have a right to a accurate comsumer credit report under the fair credit reporting act 15 U. S code 1681.
Complaint sub-issue: Investigation took more than 30 days

Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.
Complaint sub-issue: Reporting company used your report improperly

I am the original creditor and natural person i never ga e these companies written consent to furnish my consumer report. they did it without my consent.
Complaint sub-issue: Reinserted previously deleted info

Where to begin, stuff with Equinox just keeps getting worse. After pulling todays report, Equifax has broken the law so horribly I seriously pray the CFPB sues them. They have done the most nonsensical and illegal activity one can imagine and I am glad I have proof. 
They had received my ID Theft report, Police Report and all originals when my SSN was first stolen and misused in XX/XX/XXXX. They hesitated but none the less blocked XXXX Fraud Student Loans, Inquires that I never applied for, and other accounts. Ironically a XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX account that was Paid on time and in good standing they deleted purposely as the facts and reports i attach will prove. None the less the reports are so filled with inconsistencies like fraudulent addresses, accounts, and timelines that make absolutely no sense. They EVEN REMOVED MY FREEZE THAT I AM ENTITLED TO UNDER STATE LAW. ONCE A CONSUMER SENDS A COPY OF HIS OR HER ID THEFT REPORT AND POLICE REPORT IT IS REQUIRED THEY DO SO. Now I have a plethora of reinserted ( and never told why or how they came to that idiotic position ) accounts, inquires, and as a form of retribution XXXX positive never disputed old but not beyond the SOL accounts DELETED. Please look closely at the evidence I upload, and the corresponding dates, you will quickly see NONE OF IT MAKES SENSE NOR ADDS UP. EQUIFAX IS IN CLEAR VIOLATION OF FACTA AND FEDERAL LAW.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with customer service

I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX  XXXX 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: Information is not mine

XXXX XXXX XXXX, dispute its still under investigation 5 month as of today
Complaint sub-issue: Information belongs to someone else

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my XXXX XXXX by almost XXXX points.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have rights 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: Problem during payment process

I applied and got approved for a new Citi credit card. I never received the physical card in the mail and therefore did not have my full credit card number. Without an entire credit card number, I am unable to set up an online profile to have access to my account information and make payments online. 

A few days ago, I received an email from Citi stating that I have an amount due. I try calling Citi multiple times but was unsuccessful. A voice message indicates that they are experiencing high call volumes, to try again later, and then disconnect. I call at different times of the day and night with no success. 

I am concerned that Citi will keep this going until the amount is past-due and that charge me higher interest rates, unfair late fees, and report me to the credit agencies, thus damage my credit. 

Thank you.
Complaint sub-issue: Other problem

I have been victim of identity theft over two years ago and am still having new accounts opened with my stolen personal information. 
The company CashApp has continually sent me debit cards for new accounts that have been opened in my name. I have received nearly 10 different cards with my information on them. Their customer support and fraud team is disappointing to say the least when it comes to providing help to close these accounts. 
I am asking for your support in getting this company to cease allowing anyone to open accounts using any of my personal information.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # 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: Didn't receive enough information to verify debt

I am being billed for something medical taking place in XX/XX/XXXX!!! This is my first time being billed and they used my maiden name and old address, two things that have been legally switched. The bill says nothing about what the service was for and this is the first attempt from the original company to collect. When I call the number listed doesn't even mention the company name. EOS-CCA number is XXXX with an invoice date of XX/XX/XXXX. This does not seem legitimate at all.
Complaint sub-issue: Billing dispute for services

US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$990.00} Actions That Were Taken ; I did not give written consent for Equifax, XXXX, or XXXX to put this on my credit report Fraud Account Remove Immediately. 
Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$590.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$530.00} Company Name : XXXX XXXX Date : XX/XX/XXXX Amount : {$800.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$280.00} Actions That Were Taken ; I have reached to each credit bureau individually and I have received any response to remove this information
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Someone opened an ADP payroll account, and ran a payroll in my name. With a company started in my name with all my personal information. This is extremely frustrating and unfair Ive been actively trying to resolve this matter to no avail. Please assist me in XXXX a complaint with the company to get this matter resolved immediately!
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that aren't mine that need to be removed.
Complaint sub-issue: Information belongs to someone else

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX Balance : {$66.00} XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Having problems with customer service

I have tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.
Complaint sub-issue: Information belongs to someone else

There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.
Complaint sub-issue: Called outside of 8am-9pm

I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, XXXX and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 huge concern regarding the possibility that per FCRA, permissible purpose provisions were not followed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX.
Complaint sub-issue: Received bad information about your loan

Issue : On XX/XX/XXXX I spoke to a Nelnet Representative by the name of XXXX. XXXX informed me that I could receive a .25 % interest discount if I made my student loan payment ( s ) by enrolling in Auto Debit. Consequently, I enrolled immediately for Auto Debit and the Auto Debit began on XX/XX/XXXX from my XXXX XXXX account. 

After speaking to a Nelnet Supervisor, XXXX on XX/XX/XXXX, I was informed that I had not been getting the .25 % loan interest rate discount and that my loan ( s ) did not qualify for that discount. XXXX informed me that the representative, XXXX ( back in XXXX of XXXX ) had provided incorrect information and that he, XXXX was not surprised. Obviously, XXXX/Rep in XXXX did not research the type of loans I had to ensure the loans actually qualified for this .25 % discount. 

Consequently, for four years, I have been enrolled for Auto Debit making my payments and have not been reaping the benefit of the .25 % loan interest rate discount which I guesstimate would be approximately {$1.00} - $ XXXX over the course of 4 years. 

In addition, in XXXX of XXXX, XXXX/Rep did not inform me at that time that I could apply for a Direct Loan Consolidation and this also would have ensured the .25 % interest discount with Auto Debit. 

On XX/XX/XXXX I spoke to XXXX XXXX/Supervisor at Nelnet and was told there was nothing Nelnet could do about the mistake. XXXX also informed me she would file a complaint internally. However, I would not be contacted about any internal Nelnet results. 

I again on XX/XX/XXXX, had a lengthy conversation with XXXX XXXX/Supervisor about the XX/XX/XXXX, .25 % interest rate mistake on my account, and was told the same thing again, i.e., there was nothing Nelnet could do, but that she/XXXX  had already filed the complaint internally. 

This is not the first time over the years that Nelnet representatives have provided me with incorrect information. Disappointing, extremely disappointing, and frustrating that I made an Auto Debit decision ( s )  based on receiving inaccurate information. Moreover, that Nelnets INCORRECT information has cheated me out of a substantial discount when I could have also been advised by XXXX/Rep to apply for a Direct Loan Consolidation ( enabling me to actually qualify and receive the .25 % discount ).
Complaint sub-issue: Reporting company used your report improperly

unauthorized inquiries are on my report i did not authorize these please remove
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/XXXX, I received an email from Sallie Mae stating that my billing statement was available online. I clicked the link in the email to view my billing statement. The page that opened said " Bad Request. '' I tried again on XX/XX/XXXX and XX/XX/XXXX, with the same result. I can not access billing statements by logging into my account at www.salliemae.com. The only way to access billing statements and other correspondence with Sallie Mae is through the link in the email. With other lenders or servicers, I can access billing statements and other correspondence by logging into my account at their website, but the same is not true with Sallie Mae. It 's very frustrating.