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

DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

Dear complain department, I do not recognize inquiries that recently appeared in my credit report. I would l inform you that I am not connected with any of these inquiries. Probably there were filed by mistake or error. I assume it could be identity theft. but for sure these enquiries are not mine. Please delete them
Complaint sub-issue: Debt was result of identity theft

I checked my credit report a found a fraudulent collection account named : ACIMA XXXX FKA SIMPLE
Complaint sub-issue: Can't get flexible payment options

XXXX and Nelnet consistently refused and steered me away from Pay as You Earn and Revised Pay as you Earn programs and instead steered me toward multiple, consecutive forbearances from XX/XX/XXXX to XX/XX/XXXX. They sited error after error and continue to deny my application and forced me into forbearance repeatedly, adding a fee of {$1000.00} to my loan for each forbearance. In XXXX XXXX sold my loan to Nelnet who continues to deny my application and steer me towards yet another forbearance. My last application for REPAYE through Nelnet was in XX/XX/XXXX, they denied my last application because they said they did not like my pay stub because it does not show pay frequency and they said I also did not qualify because by paying early, I did not make 3 consecutive payments on time. They suggested another forbearance. 

I am trying to avoid foreclosure and bankruptcy and protect my family. I just want my REPAYE application approved so that I can start paying my student loan without losing our home and my sanity.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.
Complaint sub-issue: Didn't receive notice of right to dispute

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Public record information inaccurate

I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now XXXX  and Equifax have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on XXXX  or Equifax and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 
I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's XXXX XXXX fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Complaint sub-issue: Problem with personal statement of dispute

I asked this Consumer to remove all non reporting accounts since they were consolidated.
Complaint sub-issue: Debt is not yours

I have never had an account with XXXX. This is fraud. I tried to resolve this on my credit file in 2020. This fraud is now being pursued by a new debt collector.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Debt was paid

I received a call regarding a balance ( {$140.00} ) on a payday loan from XXXX XXXX. I advised I did not take out a loan with XXXX XXXX for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( D2M ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Company closed your account

Went into XXXX XXXX  in XXXX XXXX on XX/XX/2019, and closed out my safe deposit box. It was the last day before they would be charging me for another years fees. Emptied the box, signed a surrender form and returned the key. After all this, the teller ( XXXX ) refused to give me a copy of the surrender form that I signed. I was surprised to find out that the teller was also the bank manager! She was rude and insulting. Atrocious customer service. 
The form I signed was a legal, financial document - and she just refused to furnish me a copy of it. I should get a copy of any document that I sign my signature to. I left the bank with no proof that I surrendered the box, of the date I surrendered the box or of the fact that I returned the key to the box. If any of these things become an issue, I have no proof of anything. Furthermore, anything on that document can end up changed and I would have no proof of what I actually signed for. This is totally unacceptable. Especially for a financial institution. Everything should be well documented with copies of the signed forms going to everyone. Makes me question their credibility. 
If I hadn't already closed my checking and savings accounts I would certainly do so now.
Complaint sub-issue: Account status incorrect

There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.
Complaint sub-issue: Debt was paid

This was a debt collection last XXXX they contacted me asking to pay it off so I sent money orders to the collector and we had an agreement that it was paid off and now recently contacted me to paid it off i told them that i sent money orders to paid off the debt and they still want me to paid them even know i sent them the proof that it was paid off
Complaint sub-issue: Information belongs to someone else

I am a victim of an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. EQUIFAX MTG on XX/XX/XXXX ( Reported Identity Theft ) 10. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX ( Reported Identity Theft ) 11. EMS on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Problem getting my free annual report

I need all XXXX I was able to get XXXX. 
XXXX and Equifax will not provide they have erroneous inform in my DOB. 
You can not call XXXX no customer service. 
I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.
Complaint sub-issue: Investigation took more than 30 days

I have sent multiple letters on XX/XX/2022 to creditors and XXXX to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from XXXX. I have then sent the second letter on XXXX to creditors and XXXX warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to XXXX I see that XXXX opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to XXXX on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- Conn 's / Acct # XXXX 2- XXXX  / Acct # XXXX 3- XXXX  / Acct # XXXX 4- XXXX  / Acct # XXXX 5- XXXX / Acct # XXXX 6- XXXX / Acct # XXXX 7- XXXX / Acct # XXXX