Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reinserted previously deleted info

I noticed that I had a split file with Equifax. I contacted them and had the files merged together, but there were XXXX accounts reporting that had previously been deleted. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I called and requested to have the accounts deleted and was told no! I notified Equifax in XX/XX/XXXX that I had been a victim of identity theft and provided them with the police report and all requested information. They were prompt in correcting my reports then. Later, in XX/XX/XXXX I suffered a split file on two ( 2 ) separate occasions. Both times Equifax stepped up and fixed it quickly removing all previously deleted items and restoring my good name. However, there seems to have been a lapse in handling. It is n't my fault that I have a split file and it never happens with any other credit reporting agency. I 'm simply requesting that Equifax delete the previously deleted files from my credit report immediately. The accounts are : XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$6300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREEDXXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$830.00} n/a $ XXXX XXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX
Complaint sub-issue: Account status incorrect

I am 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 are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$380.00} XXXX  XXXX Balance Owed : {$380.00}
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXXXXXX XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX  I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Your company has violated the rules of the FCRA, my rights have been set aside. And if this is not corrected then I'll be forced to seek damages. I have repeatedly disputed this account " XXXX XXXX " but instead of removing it you keep reporting it. Inwhich you can not report accounts that was previously reported as an result of identity theft, nor can you re-insert an account inwhich was previously removed. And this account ( XXXX XXXX ) has been both previously removed in XXXX due to identity theft. However, it was re-inserted in XXXX. And this is Illegal on the behalf of you and your companies. Please correct.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company SCA CRED SVC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Seized or attempted to seize your property

Consumer have been in dispute with FLAGSHIP regarding a debt that arised from a consumer credit transaction. Consumer requested documentary evidence from FLAGSHIP in which they have failed to provide. Since FLAGSHIP can not provide consumer with sufficient documentation to validate, FLAGSHIP are to cease collection activity per the Federal Law. On XX/XX/2022 Consumer sent FLAGSHIP An Affidavit Of Fact. FLAGSHIP has failed to rebut the affidavit of fact therefore this affidavit stands true.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to LENDING CLUB CORPORATION but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting a fraud account on my credit report in the amount of {$430.00}. This is for a fraud electric account that was opened up in my name at an address I have never lived at or been associated with is XXXX XXXX XXXX XXXX, TX XXXX.
Complaint sub-issue: Debt was discharged in bankruptcy

National Collegiate Trust/American Education Services is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XX/XX/2008 because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). NCT/AES did not object to the discharge order. 

Finally, this note was falsely labeled by XXXX XXXX XXXX as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
Complaint sub-issue: Debt was result of identity theft

I have been contacted and verbally abused by representatives from Pro Collect. Numerous times I have told them I am not responsible for the debt and asked for information about the account. I have been berated and falsely accused of owing money and was told that they would continue calling me every day until I paid. When I asked to speak to a supervisor I was told they would not connect me to a supervisor and would note in the account that I refused to pay. When I explained that I'm contacting them for information on howI can resolve this matter I was hung up on. The rep continue to call me by my incorrect name even after repeating several times to her that I was not the person she was looking for.
Complaint sub-issue: Debt is not yours

XXXX  has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what XXXX  has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

XXXX  just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!
Complaint sub-issue: Deposits and withdrawals

a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything
Complaint sub-issue: Investigation took more than 30 days

I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquires removed from my credit report.
Complaint sub-issue: Information belongs to someone else

the following accounts ( student loans ) are not mine, these are not my accounts i have never inquired any student loans, i have been disputing these items but equifax has not been helpful, please find attached my police report which also has been provided to equifax few times, please have equifax remove these inaccurate student loans. 
thank you
Complaint sub-issue: Information belongs to someone else

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

Credit report was obtain without consent believed to be a identity theft. I am unable to resolve or dispute inquiries with the credit bureaus.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax. Submitted dispute on suspected fraudulent hard pull. Was notifed by e-mail it was resolved. Followed instructions 3x to pull info on resolution. Gave accurate info and their Q & A section had no relationship to my account. Locked out of resolution due to their incorrect Q & A. XXXX for support, no response, no phone number provided for follow up on lock out, no e mail address provide by Equifax to contact. the companies customer support and systems are very 20th century, restrictive and dead ended..making follow up impossible. Seems deliberate way to frustrate consumers trying to address credit issues Equifa prevents customer from cutting and pasting info so one can not provide you with copy of there displayed pages, also deliberate to make reporting them more difficult.. When using XXXX for same types of issues, very up to date, easy and user friendly.
Complaint sub-issue: Account status

I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.
Complaint sub-issue: Information belongs to someone else

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

It seem ike Great Lakes Higher Education violated The Fair Debt Collection Practices Act 809. Validation of debts [ 15 USC 1692g ] by not provide me with name and address of the original creditor.

The FDCPA, specifically, subsection 809 which reads : 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

It seem like Great Lakes Higher Education is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Great Lakes Higher Education claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that XXXX being discriminated against me because I'm a XXXX male. 

I am asking Great Lakes Higher Education have you seen the original promissory note? What name and address of the original creditor?
Complaint sub-issue: Debt was result of identity theft

I am disputing a letter that I received from a collection agency for a debt that I never had.I have been victim of ID fraud and I am disputing this collection as fraud ID theft. Please close the account and remove the entries from my credit report from all 3 credit bureaus
Complaint sub-issue: Received bad information about my loan

In approximately XXXX, I consolidated my federal school loans with my loan provider, American Education Services ( AES ). In XXXX, the public service forgiveness act was passed, which forgives the balance of your school loans after 10 years of public service. In XXXX, I called AES to inquire what I needed to do to be eligible and if I needed to reconsolidate my loans. I was informed that I could only reconsolidate once, and that I was already eligible because my loans had been consolidated. I was further advised that in XXXX XXXX, after I have filled out the required paperwork, I would be eligible to have the balance of my school loans forgiven. From XXXX through the present, I have worked for the government. In XXXX, I changed jobs from XXXX to XXXX At that time, I followed the instructions from the AES representative and submitted my paperwork for this employer. I currently work for the XXXX. Recently, I submitted my paperwork from this employer to continue my eligibility. However, I was recently advised by AES that I was no longer eligible for public service forgiveness because my loans were not consolidated as " direct '' loans. After hours and hours of trying to resolve this situation with AES and explaining that I had been told in XXXX that I was eligible and that no one had told me otherwise, knowing that I worked for the government and was submitting paperwork for the program, A supervisor told me, " Look, AES is a business. We are not out to look for your best interests. We look out for our client 's interest, and they are about making money. We are not going to assist someone in taking money away from our clients. It was up to you to determine if you were eligible. '' I was further told that " At the time I called in XXXX, the program was new, and the representative gave me the wrong information. '' I think this is completely unacceptable. AES knows that I have worked for the government for almost 15 years because that information is on file. They also know that they were likely providing the wrong information to their customers. There should be some sort of remedy for their deceitfulness. Can you please help me?
Complaint sub-issue: Their investigation did not fix an error on your report

I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within 30 days please delete the accounts immediately!
Complaint sub-issue: Account status incorrect

On, XX/XX/2018 I sent a letter disputing an account for XXXX XXXX XXXX in regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time XXXX failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX.2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and XXXX XXXX XXXX violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
Complaint sub-issue: Account status incorrect

1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date. 

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Complaint sub-issue: Account terms

My problem is, that Equifax and XXXX still reportng a loan that has 9-year 's old ( XXXX XXXX ). I would like to be removed. XXXX had them removed XXXX XXXX already, but not removed from the others.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020 an derogatory account was reported for the amount of {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.
Complaint sub-issue: Problem accessing account

Unable to connect external services such as XXXX, XXXX, etc.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.