Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

Equifax has failed to update my address and it has been requested 4 times over the past six months in writing and by phone. Verifying documents have been provided with request submitted in writing and on XX/XX/21 Equifax verified me over the phone and advised my address was updated but this is false as of XX/XX/21 my address is still reporting inaccurately. I am a victim of identity theft and this is a serious issue. My address must be corrected immediately
Complaint sub-issue: Information belongs to someone else

I entered a consumer credit transaction with the following companies : 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 and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 
I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

Thank you XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their XXXX my daughter XXXX number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXX law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXXBy law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  : ** XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX XXXX Account # XXXX ** 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 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.
Complaint sub-issue: Old information reappears or never goes away

I contacted LexisNexis XXXX and attempted to submit documents to update my personal address information and their site will allow me to upload and submit
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i obtained a current copy of my credit report and i noticed inquires which i had not allowed or authorized
Complaint sub-issue: Billing problem

I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are XXXX.
Complaint sub-issue: Reporting company used your report improperly

In 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 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX Factual Data - date as of XXXX XXXX XXXX XXXX  - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

Inaccuracy not being updated, reporting my full s.s. number and violating my right to privacy. There should be a signed letter by me stated it's ok to share my personal information.
Complaint sub-issue: Having problems with customer service

I sent an application for the income driven repayment plan to my loan servicer but the email system of the loan servicer agency rejected the email message and application that I had sent to them. I also have received contradictory information from the representatives that I have spoken to when I call the agency that services my student loans. When I called the loan service agency on one occasion a loan service representative told me that if I sent my application for the income driven repayment plan by email, that the loan service agency would accept my application, but when I called the agency on another occasion a loan service representative informed me, after I questioned him, that he did not know whether the agency would accept my application by email, as an attachment or not. I have also had difficulties in contacting my loan servicing agency by telephone service. I have called the the agency 's telephone number at least 8 times in the last week and on all occasions when I have called them I receive a message that the call can not be completed as dialed, even though I have called the agency 's telephone number, which is XXXX. ( The email address of my loan servicing agency is XXXXXXXXXXXX and the name of my loan servicing agency is Pennsylvania Higher Education Assistance Agency ).
Complaint sub-issue: Can't close your account

In XXXX of this year I became the Representative Payee for my brother XXXX XXXX. For the initial deposit, I received a debit card to access XXXX 's funds. The card is drawn on Comerica Bank. I started to withdraw funds but found that they were charging me each time I withdrew. I tried setting up a transfer but the site was not allowing that. I tried several times to speak to someone but was never successful to get a live operator. I decided to just close the account and wrote a letter requesting the balance of {$53.00} be remitted via Cashiers check. That letter was sent in XXXX, to date I have not received any kind of response. I know it's a small amount but at this point it's the principal. I just want to close this account.
Complaint sub-issue: Old information reappears or never goes away

Me and my mom use to have a card with XXXX XXXX cleared off years ago, I tried to find out what is wrong but stuff on report they claim that equifax was sent notice of being fixed even sent my idea and requested a call but equifax and XXXX XXXX said they could do nothing tell this is fixed so I am again sending equifax a request as we mailed that copy of bills showing address and license of myself and it still is off even sent copy to XXXX XXXX to proof it was myself, not sure why this can not be fixed over the phone or what is going on one blames the other mean while darn card gets denied for reason that should not exist and number for my house been sent correctly to all parties plus my cell number been the same for over 12 years so I am confused obviously if they see my license it should be correct and will resend this to equifax and XXXX XXXX  again, not sure if issue when equifax got hacked and old stuff on my report, but this been sent to equifax 4 times and now XXXX XXXX XXXX time or so. Own house number XXXX XXXX XXXX XXXX home XXXX or cell no text XXXX only for text XXXX noted on letter with my address verification to bother parties.
Complaint sub-issue: Received bad information about your loan

Nelnet started servicing my loan earlier this year. At the same time, I became convinced that I am eligible for the Public Service Loan Forgiveness Program. So I called their customer service and inquired about how to apply. I was told that first I need to consolidate my loan and then apply for loan forgiveness. However, the application will take effect the day it is accepted and not retroactive. It is very unfair that I 've been a public servant for seven years making regular monthly payments since XX/XX/XXXX, and my application will only be considered going forward. I 've been inquiring about PSLFP since XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I originally had a student loan with XXXX  which I began making payments on in XXXX. This loan was then sold to Nelnet in XXXX. Although I have been making payments for the majority of the last 18 years the number of remaining payments has not decreased, nor has the remaining balance. This seems strange to me, and potentially predatory, as I am now realizing that there is no real end date for the completion of my loan, but that they seem to want me to make monthly payments to them indefinitely. 

When I called and asked to speak to their specialist, I was told that that position was internal and that I could not be connected to them. There is no recourse for me to better understand what is happening with my loan or how to resolve it.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2021 I went on the mobile app for CitiBank. I needed to increase my credit limit by {$5000.00} at least. I clicked on " increase my credit limit '' and went through the process. The app never asked me how big an increase I wanted nor informed me how large the increase would be. It provided a {$3000.00} increase. I need at least a {$4000.00} increase. When I called in to change the increase amount I was told that because I already asked for a credit increase I need to wait 6 months to ask for another, essentially stonewalling me. I asked for a supervisor and his line was really bad and I couldn't tell what he was saying. I got as far as getting the same explanation. I said I wanted to cancel that morning 's request and put in a new request for a higher increase. He said he couldn't do that. I asked to escalate and I couldn't understand his response. I asked him if he could contact me by email and he said no. He said a few more things that I couldn't understand. At that point I gave up since he was not able to communicate. I do not trust Citibank to handle this issue with good faith.
Complaint sub-issue: Information belongs to someone else

three accounts as student loans are reporting under my name on equifax credit reporting agency only. they are giving me a very hard time removing these inaccuracies, these account / loans i had never had, and never inquired, never went to school here. please help me with this i have been disputing these inaccuracies with equifax for more than a year, and no one has tried to help me at equifax. you are my last hope. 
please have these inaccurate accounts removed from my credit file thank you
Complaint sub-issue: Card opened as result of identity theft or fraud

someone I know has taken my social security number and is trying to open bank accounts, and credit cards as me. she has also take cards i already have and called the credit card companies saying the card has been stolen and they are changing the addresses to her address and sending the new cards. i realized this when i went to use a card and it was declined and i called the company and they said we are sending a new card to a new address. the phone number was also changed on the account so all notifications go to her cell phone. i have frozen my credit on all 3 places but there are still accounts open that are in my name that aren't mine and it's a little overwhelming to call them all and get this straightened out. the fact she keeps doing it is even more frustrating, the police have been notified but there wasn't enough information for them to do anything, at least that's what they said. she tried opening a bunch of accounts in XX/XX/2022 and i have a list on my XXXX  account that they couldnt flag as fraud and close because accounts were active with those addresses. she has also tried to open accounts in my son 's name and im worried she may have also tried to get my mother, and might go after my other son and husband, also who knows who else she has been doing this to...
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I entered a forbearance plan with my mortgage company, XXXX XXXX. Shortly after, XXXX XXXX  hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by XXXX XXXX  for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, XXXX XXXX  reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( XXXX XXXX  ) for more than 30 days and have received no cooperation in fixing the matter. XXXX XXXX  denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. Equifax however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to Equifax by XXXX XXXX  are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both XXXX XXXX  and the Equifax reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from XXXX XXXX. I have included the delinquency pages from all three credit bureaus as well as the sustained results from Equifax. Thank you for time and consideration.
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is govern by USC 1681. And they violated my rights numorous of times. I demand the accounts listed to be removed Because According to 15 USC : I have the right to privacy and i did not give Equifax written permission to furnish these Accounts Account XXXX XXXX XXXX Account Number ending XXXX XXXX XXXX XXXX Account Number ending XXXXXXXX XXXX XXXX XXXX  Account Number ending XXXX
Complaint sub-issue: Debt is not yours

I am trying to dispute a charge of {$17000.00} to my credit card citi account the charge is being disputed because the items were not delivered I was overcharged bad service and the project was never completed. I hired a company named XXXX to build a website and after a year they never built the website they fraudulently charged my card numerous times and when I tried to dispute this charge through citi ( after a good fath attempt to the XXXX company ) and at first was told they did not respond in time and believed that the dispute was completed in my favor and for some reason the dispute was not in my favor due to wanting more information. I am now submitting a packet a very thorough detailed information to support my claim to Citibank I would like to file this claim in regards to my right to dispute accounts and charges like this due to bad service and never receiving a website after a year of hiring this company.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 EQUIFAX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020
Complaint sub-issue: Account status incorrect

I have contacted Equifax several times to remove the account reported by XXXX XXXX XXXX. This report has been paid in full since XX/XX/XXXX, and XXXX has verified that they reported to each credit bureau to delete the account. All other credit bureaus have removed the account except equifax. I called equifax on XX/XX/XXXX to dispute the account again. The representative stated that she had put in a dispute to have the account removed. I called on Tuesday, XX/XX/XXXX to follow up on the dispute since I have not received any information. When my account was reviewed, it was seen that no dispute was ever made on that account which means that the representative lied about forming a dispute. This has caused me unnecessary time to try and get corrected due to the account should have been deleted in XX/XX/XXXX, when the other credit bureaus accurately removed the account from my credit report. Equifax does not update reports in a timely manner and you have to continuously call and try to get help disputing items, when in fact, they never try and dispute anything. They are not following any of the credit reporting guidelines set forth by FCRA.
Complaint sub-issue: Problem with personal statement of dispute

I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax continues to violate my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( Equifax, XXXX and XXXX  ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.