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

A new loan just magically appeared on my credit report while check it through XXXX I have no knowledge of bayview loan. It looks like it has been transferred from XXXX, but completely incorrectly. I feel that XXXX XXXX may have supplied incorrect information due to having been in fights with them over creating incorrect information. Yes, they created incorrect information.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 missing that should be on the report

I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. 

Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Other problem getting your report or credit score

This is in reference to an investigation into " Billing Error '' for debt claimed by XXXX XXXX XXXX. 

However, the attached email from Equifax does not contain the actual results of the investigation. In fact, despite multiple attempts to obtain/contest the results on " myEquifax website '', I am yet to gain access, receive the copy of the investigation by Equifax. 

Please be mindful that this is an ongoing contest by us for Federal violation under FCRA and Equifax can be prosecuted for the same.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Inaccurate information is placed on my credit reports. I have written in to these companies to fix the matter and it has not been done. Most of the information on my credit reports are inaccurate. The proof I have is directly from their reporting.
Complaint sub-issue: Account information incorrect

Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST I contacted Equifax through my XXXX  account to dispute a charge from my XXXX. I provided a receipt of the charges along with my insurance card. At the time of my last visit I paid for both my balance of {$95.00} and my co-pay of {$30.00} bringing my total to {$120.00}. I included my insurance card to show that a XXXX co-pay is {$30.00} so that it wouldn't be any confusions on why I paid more than just the {$120.00}. 

Date Creditor Called : XX/XX/2020 Time Creditor Called : Between XXXX-XXXX XXXX XXXX from the collection company representing my XXXX  called to collect on the debt. I explained to her that it was paid prior to it going into collections. She asked me to send the same documents that I sent to Equifax to XXXX and reference # XXXX. 

Date Docs Sent : XX/XX/2020 Time Docs Sent : XXXX Date Dispute Inquiry : XX/XX/2020 Time Dispute Inquiry : XXXX and XXXX Contact Equifax was told although I have proof that it was paid and my XXXX  can't provide proof that it wasn't paid Equifax has to report whatever the guarantor reports.
Complaint sub-issue: Information is not mine

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX   XXXX   XXXX  , account #  XXXX  was disputed then removed from my  XXXX  credit report on  X/X/2016   . It was also disputed then removed from my   XXXX   credit report on  X/XX/2016   .   XXXX   XXXX   XXXX   sold the removed collection accounts to  XXXX , account #  XXXX , and it is harming my  credit score.
Complaint sub-issue: Information belongs to someone else

Re : XXXX XXXX XXXX XXXX  acct. # XXXX Dear XXXX XXXX XXXX  XXXX , I never received any written correspondance from this company. XXXX XXXX XXXX XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that were committed against me. This is invalid. I did not received any services or goods from the original creditor. However, I am still held responsible for this debt. You are hereby in violation of the FAIR DEBT COLLECTION PRACTICES ACT by adding a collection to my credit reports without my knowledge.In addition, you are also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccurate information to the above-mentioned credit reporting agencies. You were by the 3 following credit reporting agencies not only were you froward copies of an FTC identity-theft report but also a sworn copy of an identity-theft affidavit. Still you fail to comply with laws enacted by congress to alleviate consumers of debts as a result of identity-theft. Failure to comply shall lead to litigation for defamation of character, whereas associating my name with debts I do not owe and various violations of THE FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. This is a declaration that I am exercising all my rights as a consumer and victim of identity theft. Lastly, having a debt I am not liable for after origin of such debt is given is a deliberate violation of the aforementioned acts all enacted and legalized by Congress and The Attorney General to protect consumers against unlawful collections and reporting of information to credit reporting agencies.
Complaint sub-issue: Account status incorrect

Account had an active dispute on file for one in which multiple reps stated they could not attempt to collect money for said dispute but yet they continued to bill and call Then in the process of a collection call I requested covid coverage they advised the minimum was reset to {$0.00} due for the months of XXXX and XX/XX/2020 Additionally I paid the card in full mind you it is closed account and the balance was only {$230.00} I paid it off in XXXX one of the months they are reporting as well if I can afford to pay the {$230.00} clearly the {$20.00} wasnt an issue I set the arrangement much like everyone else out of growing concern for what the future held at the time given all of the uncertainty I trusted their service as prior to this point things went relatively smooth and it could very well be just an oversight but it was one of great inconvenience and greater cost to me as a customer of 8 years in positive standing they not only cost me several closed credit lines but theyve insulted me in every way since from multiple departments including the office of the President At one point credit report said 120+ days past due including months after paid off I advised them of this they said that never happen so I had to send a copy then I advised of the calls they said that never happened so I sent the logs then they said oh well we had already listening to those calls but then today they said they dont have any recordings and they were outbound calls that were lent recorded so Id say a few mix ups haha
Complaint sub-issue: Information belongs to someone else

I've have several things on my credit report that's not mine. Help me get them off
Complaint sub-issue: Debt was discharged in bankruptcy

I filed bankruptcy XX/XX/2015 I continue to get calls from these debt collectors even though the charges have been dropped. When I answer there is rarely anyone on the other side and they call often
Complaint sub-issue: Investigation took more than 30 days

I have an unauthorized inquiry from equifax XXXX  on my credit file.
Complaint sub-issue: Received bad information about your loan

I submitted my application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness. I completely qualified for the loan based on the bylaws which I have included in this complaint. I qualify because I have made XXXX on time payments to XXXX and XXXX Fed Loan servicers both XXXX subsidized and unsubsidized. I have also been a public school teacher since 2005 full time with no gaps in employment. So i followed the rules : I consolidated my Navient and XXXX loans as indicated in the Temporary Expanded Public Service Forgiveness program, sent in the application, sent verification of my employment and didn't hear anything. I then wrote a letter asking for the status of my application. I was then sent a letter stating that I do not qualify because I have only made 2 payments. THis is totally untrue and I have made over XXXX payments and completely qualify according to all of the printed information on the Temporary Expanded Public Service Loan Forgiveness site. I have included copies of all of the documentation that FedLoan Servicing has been sent.
Complaint sub-issue: Didn't receive notice of right to dispute

A collection debt is reported on my credit report. This is not my account. I didnt receive any information about this debt. This debt has been reported to my credit report. I would like this debt removed ASAP because it is not mine. I have never done business with this company and I dont where or what this debt is about. I havent given my personal information to this company or any other company.
Complaint sub-issue: Problem with personal statement of dispute

this message is for XXXX and Equifax concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX XXXX calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Balance {$2500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Balance updated XX/XX/2022 XXXX
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I had phone service with XXXX XXXX. I had my bluetooth left open and my data was charged for excessive charges. The account was closed and a debt buyer bought the account named XXXX XXXX XXXX. 
I still have XXXX XXXX as my carrier. Always have. I tried to dispute this debt with XXXX XXXX XXXX but they bought this debt in XX/XX/XXXX and refuse to acknowledge its past 6 years from when account was last charged or recieved any payments. They are wrongfully reporting this on my credit.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I applied for multiple pre-approved credit card offers through Credit karma that were deceptive and misleading. The actions resulted in multiple denials for credit, which in turn caused my credit scores to drop and my credit rating to suffer. This in return made my search for a new vehicle a struggle and once approved for a 2013 vehicle the interest rates were significantly higher causing undue financial duress for years to come.
Complaint sub-issue: Account status incorrect

XXXX of my accounts with the student loan servicer, Nelnet, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I AM HAVING A PROBLEM WITH MY XXXX XXXX  CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.
Complaint sub-issue: Information belongs to someone else

MY WALLET WAS STOLEN AND MY IDENTITY
Complaint sub-issue: Reporting company used your report improperly

Citibank has shared my nonpublic personal information with non-affiliated third parties ( Client Services and XXXX XXXX ). I did not give Citibank permission to give my information without my consent, nor was I given the opportunity to opt out of having my nonpublic information disclosed. Also, Citibank has reported this alleged canceled debt incorrectly to Credit Reporting Agencies. It's their responsibility to report accurate information. 

- Attached Citbank Dispute Letter -Attached supporting claims : Third-parties creditors alleging to collect a debt
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX XXXX CO in XXXX ) and OPPLOAN/FINEWISE ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX CO account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I want to file a complaint against Equifax for allowing XXXX XXXX to put fraudulent information on my consumer report. All XXXX and XXXX bureaus have deleted XXXX XXXX account information from their records after I disputed the validity of the account such as irregular account dates and account details. Equifax allowed XXXX XXXXXXXX  and a third party to attempt to re-age this account and has deleted all creditor information pertaining to XXXX XXXX from my consumer report but still allowed the account details to remain. XXXX XXXX can not show me any evidence on why this XXXX dollar charge was reported to the credit bureaus in the first place nor have did they ever contact me before they furnished this information nor have I been sent any information prior to let me know I owe a debt. Also I believe Equifax added and abided my nonpublic information being sent to a non-affiliated 3rd party debt collector who then attempted to furnish a charge of XXXX dollars to my credit report in relation to XXXX XXXX and changed the account number to make it seem as though it came from the original creditor. Equifax then deleted the 3rd party creditors information and the Original creditor contact information on my consumer report, to not clearly and conspicuously specify an address to which consumers can send notice that information furnished to a CRA is inaccurate which is a violation of the FCRA. I have asked Equifax to send me all information they have related to this account as according to the law and their policies bearing my wet signature. I want these accounts deleted immediately or I will be seek litigation I am including this report in my records to indicate I have exhausted all resources in connection to this account. I believe XXXX XXXX is using false deceptive or misleading representation or means. I believe Equifax negligently and/or intentionally relying upon verification from a third party source that I have reason to know or should have reason to know is unreliable and failed to provide a description of the procedure used to determine the accuracy and completeness of the information. This has been detrimental to my consumer report and has cause me stress throughout this process and it has hindered from obtaining credit. I have been denied credit applications due to lowered FICO scores due to wrongful credit reporting.
Complaint sub-issue: Information belongs to someone else

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.