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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$24.00} XXXX  {$360.00} Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I contacted Citi by phone to inform a fraudulent charge was pending ; it had not posted yet. They immediately inactivated the card ending in XXXX and issued a new card ending in XXXX. The charge then posted XX/XX/XXXX. I logged into my account and issued a dispute, which was registered by the Citi System. I received a statement on XX/XX/XXXX. I logged into the website, it showed the charge under investigation. I call Citi and spoke with a representative, they indicated it was resolved. I packaged all of that information, and postal mailed to Citi another confirmation the charge was fraudulent, please provide to me written status as the website indicates no dispute, but under investigation, and to please close the account. Citi did not respond or take any action. On XX/XX/XXXX I again called Citi, indicated I had been contacted on the XXXX, was there anything on the account, they indicated no. I requested the account be closed. On the XX/XX/XXXX, I received an e-mail giving me 24 hours to respond, indicating Citi had contacted me about the dispute, or they would re-post the charge to my account. This ominous approach is while their website indicates no dispute and their representative did not indicate a dispute. This is a completely unethical and aggressive manner in which to collect a 45+ day old fraudulent charge, which they intentionally indicated was not active, and they intentionally did not communicate in a timely manner. This is an extremely predatory approach especially as they issued a new card per my notification to them of a fraudulent charge. I have included the documentation showing no dispute on the account and my latest correspondence. There is no reason Citi should have even let the charge Post from the Pending state. At last check, my credit score was XXXX out of XXXX, this is not about the money it is about the ethics.
Complaint sub-issue: Investigation took more than 30 days

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Equifax has been stalling to conduct a proper investigation. I will provide identity information in this complaint so that you may properly identify me as you say you could not in my previous complaint even after I have sent numerous correspondence over the last 9 months. 

Furthermore, I have NEVER received any correspondence from the creditor therefore this has no place on my credit score.
Complaint sub-issue: Problem getting your free annual credit report

This is either the third or fourth year that I have not been able to obtain my free Credit Report from Equifax. At first I thought the issue was because of the data breach and that their system was not working. However, in reviewing your website, there is no mention that consumers can not obtain a Credit Report from Equifax, free or otherwise. 

XXXX XXXX XXXX XXXX XXXX website take me through to the 4 security questions asked by Equifax and then, it keeps telling me that I must submit my request in writing. I've submitted my request via the Form, in writing in the past and it seems like once they receive the mailed in Form and my letters with the requested information, it goes through some loop where Equifax just keeps asking for the same information over and over. -- BUT, I don't ever receive the Credit Report. And now I'm going on either three or four years without a Report from Equifax. 

Therefore, 1 ) I'm being denied my Free Credit Report and 2 ) I have no idea what is being reported or 3 ) I have no idea if the information being reported is even correct. 

Please note, I have zero problems obtaining my Free Credit Reports from XXXX XXXX and XXXX.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have attached and FTC report and highlighted picture of an account that is not reporting the same information across all three bureaus which is a violation of the FCRA
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; FB & XXXX XXXX Balance Owed XXXX {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

accordance with the Fair Credit Reporting act XXXX Account # 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: Information belongs to someone else

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Complaint sub-issue: Information belongs to someone else

I have disputed multiple Times of a debt that doesnt belong to me w equifax regarding a XXXX XXXX XXXX  credit card it had A suppose of {$300.00} limit opened in XXXX of 2012 I have disputed w XXXX XXXX as well as equifax I have asked for verification neither XXXX  XXXX or equifax has been unable to verify I have disputed this debt with XXXX & XXXX both were unable to verify So they deleted from my credit report equifax & XXXX XXXX keep responding account accurate With no verification that I asked for showing documents etc
Complaint sub-issue: Account status incorrect

XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
Complaint sub-issue: Can't decrease my monthly payments

I have a student loan with XXXX department of education. The monthly payment was {$95.00}, I am not sure the exact change. 
XX/XX/2015, I received a letter from a company that called XXXX help stated they can help me with the loan. So I called them and I spoke with somebody 's name XXXX XXXX. He said that he can help me qualify for a program to help me lower the payment and he asked me some info about myself and provided him all my info. He set up the loan and told that the loan payment will be {$91.00} every XXXX of the month, but the payments have to take automatically from my checking account to qualify for that program. 
So everything was setup and they started taking the payments XX/XX/2015 until now, they are still taking the payments. 
Last week I received a letter from the same company which is Fedloan. In the letter, they mentioned the monthly payment is {$160.00}. I called them and spoke with XXXX different person, the both said they never received any payments from me and they have no payment history, they do n't know what I am talking about. This morning, I emailed XXXX XXXX explained to him what happen and I said " I want all the money that I have been paid since XX/XX/2015 until now, all he replied back to me that he will get fix. I called and let a voicemail for him, he never call me back.
Complaint sub-issue: Can't temporarily delay making payments

ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what to do.
Complaint sub-issue: Didn't receive notice of right to dispute

I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each  month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX  and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Account status incorrect

I filed a dispute with Equifax on XX/XX/2021 and XX/XX/2021. In my dispute I advised that the account was open not closed and status needs to be updated. When I get back the results they are only in regards to the payment history. My dispute is about the account status not the payment history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX  XXXX XXXX {$190.00}, {$140.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax, XXXX  and XXXX  six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to Equifax that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, Equifax refuses to honor and respect my medical condition and have these XXXX balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Complaint sub-issue: Account status incorrect

I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX County Clerk Of Courts and began employment XXXX 2007 and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in 2007 I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
Complaint sub-issue: Received bad information about my loan

i signed up with XXXX to take classes on line for my XXXX degree.iwas given a loan of XXXX.i was never able to contact any one from the school for assistance or questions regarding my classes, also i was never able to pass any of my exams.i made multiple attempts for assistance but not able to get any.the cost of degree promised to me turned out to be astronomical with hidden fees and no one to contact at college network.doing so i stopped paying loan given to me by XXXX.at present i am being contacted told there is a judgement against me for non payment for something i did not benefit from.i have spoken to other XXXX who verbalized that they have had the samep roblem sign up with the college network get a loan from them and not able to get any assistance thus leaving us with a large loan and no repay with no degree to show.the name of the school is college network the name servicing the loan is troy capital llc XXXX florida.the XXXX which is permanently closed a class action is being taken by them since 2014 i am one of their individual who signed up for their classes.i would greatly appreciate a response to my petition for help.i truly feel i should not have to pay back this loan due to college network incompitence and multiple complaints made all over the united states.forced to pay back a fraudilent loan.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am writing to dispute XXXX/XXXX XXXX. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Complaint sub-issue: Account information incorrect

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX  to have the item removed on several occasions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX no one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they do not do that. 
As for Equifax I have several confirmation number and sent the exact documents that I have attached to this file showing that I do not owe this debt and that the XXXX XXXX has email the collection company to have the item removed from my credit report. The last confirmation number dated XX/XX/XXXX XXXX. I have several confirmation number dating back to XXXX. I am in the process of purchasing a home and this negative information is on my credit report. Equifax can call the physician office to verify as well.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX XXXX  XXXX XXXX  Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the XXXX XXXX Bank branch and made payment on this card through the bank officer and teller from my XXXX XXXX savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my XXXX XXXX XXXX  credit card account. 
I Informed this to the XXXX XXXX bill pay department over phone where all my credit cards, check book, with US Bank, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and XXXX XXXX Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of US Bank Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation.

Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect.

US BANK Credit card had been in deferred payments due to COVID-19 Virus  epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments.

S