Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX .... Balance XXXX - ; XXXX XXXX & XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$5500.00} ; XXXX/XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing about an account which reports from Citi, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Delete hard inquiries
Complaint sub-issue: Public record information inaccurate

Discharged chapter 7 should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Complaint sub-issue: Received bad information about your loan

FedLoan Servicing notified me that I was required to submit the annual recertification for the IDR plans on my federal student loans. I timely did so, but have since learned from the U.S. Department of Education that  this was a false and misleading demand -- as, due to COVID-19, the deadline to recertify IDR plans has been extended for at least 12 months. This means, for example, if I was scheduled to recertify on  XXXX XXXX, XXXX, I was not required to recertify until XXXX XXXX, XXXX. And because of FedLoan 's false recertification demand and threat to take me off the IDR plans, my new calculated IDR payment is much higher than if they would have let me know that I was not in fact required to recertify for at least another 12 months. Because of their deceptive notification and practices, I demanded that FedLoan roll back my recent recertification and put my previous monthly amount back in place -- but they refused to do so. I hope that CFPB can hold them  accountable for this.
Complaint sub-issue: Don't want a card provided by your employer or the government

I recently received an unsolicited US Bank reliacard prepaid debit card in the mail. I have not claimed government benefits nor did I sign up for one at work. There does not appear to be any way to contact the company directly to inquire how they received my information to open the account as I will not activate the card, therefore I have no account information to give their automated system. Nor do I trust the any of the information materials included with the unsolicited visa card.
Complaint sub-issue: Account status

My XXXX student loans defaulted and I have been paying The Law Offices of XXXX XXXX XXXX, XXXX. I paid off one of my loans in full and even have a letter from the lawyers office saying so. It still says I have a balance of {$75.00} on my credit report. I tried contacting the lawyers office and they told me to contact XXXX who has done nothing but hang up on me and say its not their problem. I am not sure what to do at this point to get this off my credit report as everyone is just pointing fingers.
Complaint sub-issue: Problem with personal statement of dispute

In Regards to Complaint XXXX about XXXX XXXX. 

I have read the response of the company and disagree. They state " In addition, on XX/XX/XXXX, we  responded to XXXX XXXX correspondence with information about this loan, and provided a copy of the Loan Agreement. " I have seen no communication from them after repeated letters sent asking for : 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. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. If they can not prove that they have sent this validation ( by way of certified documentation ) per my request they are in violation of the Fair Credit Reporting Act. Furthermore given that the time has lapsed from the date of the original request they have to delete this line from my XXXX report As they are in violation my next step will result in small claims court seeking legal remedies. 


Original Complaint. 
I have sent repeated letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}
Complaint sub-issue: Old information reappears or never goes away

In acordance with the Fair Credit reporting act convergent account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.
Complaint sub-issue: Information belongs to someone else

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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

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: Trouble with how payments are being handled

My previous student loan servicer was FedLoan Servicing. They transitioned my account to a new servicer, XXXX in XX/XX/XXXX. A payment was made by my XXXX company XXXX to FedLoan right after the loan was transferred. The loan was transferred on or around XX/XX/XXXX and the payment was made to FedLoan on XX/XX/XXXX for {$700.00}. FedLoan is saying they can't help me since my account is not with them and they have not transferred the payment to my new servicer XXXX nor have they returned the payment to me.
Complaint sub-issue: Attempted to collect wrong amount

The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after sending the final statement from XX/XX/XXXX. The original creditor has verified the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX.
Complaint sub-issue: Debt was paid

I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Complaint sub-issue: Old information reappears or never goes away

My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.
Complaint sub-issue: Information belongs to someone else

Once again this debt does not belong to me. This is my second attempt to fix this issue. XXXX  has already removed this account after finding the results of their investigation inaccurate. My next step is contacting a lawyer.
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 {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX   {$570.00} 5 ) XXXX XXXX XXXX XXXX {$330.00} 6 ) XXXX XXXX XXXX {$85.00} 7 ) XXXX XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX our daughter XXXX XXXX and left 3 student loans we had co signed for her to attend college. Shortly after her XXXX we started receiving multiple phone calls from American Education Services demanding payments. When we advised them of our daughter XXXX XXXX the phone calls did finally stop and we heard nothing for awhile until we received a request for a copy of the XXXX certificate in late XX/XX/XXXX to see if the loans would be discharged according to AES. In late XX/XX/XXXX we provided a copy of the XXXX certificate and wrote a formal letter requesting discharge of the loans. As of this writing all we have received is a copy of the promissory notes and not a formal written explanation as to why these loans can not be discharged since she XXXX XXXX. As a Military Vet who served this country honorably for 24 years its horrible to be treated so unfairly and without a genuine explanation. We are stilll trying to get over the tragic XXXX of our daughter and to have this held over is nothing but more stress and anguish.. Further information is below :.. 

XX/XX/XXXX AES notified all 3 credit reporting agencies the 3 AES loans were closed. 
XX/XX/XXXX AES notified us the loans were in forbearance for the next 60 days XX/XX/XXXX AES notified a 3 credit reporting agencies the loans were 60 days overdue and reopened the loans in a separate filing with all 3 credit reporting agencies cutting my credit score over 90 points. As of XX/XX/XXXX my understanding from AES was the loans were never discharged but their poor credit reporting led us to believe no payments were due.until we received a letter on XX/XX/XXXX stating the payments would resume in XX/XX/XXXX. AES needs to communicate clearly on what were suppose to do and not damage a credit report because they can on a dialy basis.....
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Spoke to XXXX  from relia card she won't credit provisional the account for a dispute where it is infact in the card agreement that they have 10 business days to do so section 17. subsection D. I would like to have a provisional credit asap.
Complaint sub-issue: Public record information inaccurate

A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not belong to me.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX )
Complaint sub-issue: Reinserted previously deleted info

On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should immediately be offering a free freeze on your credit account if it was included in the breach. I should not have to provide profit to a company whom I never elected to do business with and has put my financial life at risk. Credit reporting companies can essentially force us to buy insurance, from them, to protect us against their poor security practices.
Complaint sub-issue: Keep getting calls about my loan

XXXX Student Loans has given put my loan under the servicing of Firstmark Services. This is the first month that my payment is due to Firstmark Services. I took steps to set up auto-debit immediately. The payment was n't autodebited for some undetermined reason. It is now the fifth business day since the payment was due. I was unaware of the issue until today. I am aware now because I received the following phone calls from Firstmark Services : XXXX ; XXXX ; XXXX ; XXXX - during my work day, while I was already on the phone. I received no message from this number calling. This is a completely harassing way to communicate a simple issue.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Credit Reporting act XXXX 's 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Problem with fees

I have recently noticed a "  XXXX   XXXX  '' charge on my Macy 's credit card. I tried to cont act Macy 's they t old me to contact another company, but  XXXX  does not have customer friendly hours and I can not get through. I want a refund for all of the months of paying this charge unbeknownst to me.
Complaint sub-issue: Information belongs to someone else

I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.