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

I have tried multiple times to have these items stricken from my Credit Report with XXXX, Equifax and XXXX. 

XXXX is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX Loan Forgiveness ( documentation attach with XXXX loan balance ). 

Equifax is the worst. They have duplicate Student Loan Information. XXXX for XXXX Student Loan and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX Loan Forgiveness for which I have attached documents from online account and a letter I received recently. 

The last is XXXX, that reflects the Student Loan ( s ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than XXXX days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.
Complaint sub-issue: Information is not mine

I do not know what this account is for or why it is on my credit report. I have never heard of XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

{$480.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report. {$190.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report.
Complaint sub-issue: Debt is not yours

I do not know who this debt collector is. I never done any business with this company that goes by FMA Alliance Ltd. How did this company get my information? How did this company I have no contract with get my phone number and has been harassing me everyday with repeated phone calls, As a federally protected consumer I have the right contact a debt collector to grant them the right to contact me. I never gave this company consent to contact me. I never gave this debt collector consent to contact me. I have received abusive letters by mail. Why is this company asking me to pay cash money to them when I don't have a contract? 


I'm alleging that i don't owe this allege debt this company. I don't owe any debt at all.
Complaint sub-issue: Information belongs to someone else

I filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX XXXX XXXX  This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite
Complaint sub-issue: Information belongs to someone else

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : - Balance : {$34000.00} ; XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XX/XX/XXXX I started to repay my student loans from the State University of XXXX XXXX - College of XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My payments were just under {$500.00} per month ( approximately {$480.00} ) In XX/XX/XXXX after paying close to {$60000.00} ( over what I originally borrowed ) I stopped paying. 

In XX/XX/XXXX, a garnishment was placed on my paycheck and now {$220.00} is taken each paycheck for the past year and a half. Also my XX/XX/XXXX income tax return ( {$4600.00} ) ; XX/XX/XXXX income tax return ( {$3000.00} ) ; and XX/XX/XXXX income tax return ( {$750.00} ) have been swept.

As of XX/XX/XXXX approximately {$9000.00} of income and {$8400.00} of income tax refunds have been taken for a student loan debt that has not already been paid off but supposedly still is {$60000.00} of a remaining balance. 

At this time I am requesting that my Public Service Loan Forgiveness approval be activated so this can be resolved and the garnishment be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am in the middle of the home buying process and my lender indicated that they are not able to pull my Equifax credit report because it is being flagged for consumer fraud. When I contacted Equifax, they said they need to verify my identity and to fax over my driver 's license and social security card. They would not provide me with any information even though I have answered all of their verification questions correct. I have faxed in my information 3 times and still no response. When I call to follow up, they say there is nothing they can do for me. This is causing an extreme hardship for me and my family.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Several attempts have been made to resolve this issue, BEFORE It became a collection issue. I attended XXXX on-line, until I became XXXX. Because I knew I had obligation, I called and requested info for how to resolve the loan. I was turned over to collections, I called again to resolve. I submitted documents I was advised. I was denied. I called again and was again advised to submit different/more documents. I obliged. this continues on this back and forth and continued submission of the requested info, only to be informed I did not submit the correct information. Garnishment has now  since began against my XXXX benefits. Also, keep in mind I have also been informed, if I was able to return to school, any school, I would not be able to transfer any credits accumulated while at XXXX. I called again to Nelnet to check status of my application, and again advised, of different info will need to be submitted. I am truly starting to feel scammed. How am I responsible for a school loan, for an education I am unable to use, and how can I be a responsible adult if I am repeatedly receiving inaccurate information that is critical to resolving my issue? I have escalated to Nelnet, XXXX, and XXXX XXXX, No one can help me. I am done submitting all of my personal information. I have proven I am XXXX at this point. Im also questioning, how am I responsible for a loan for education I can not use?
Complaint sub-issue: Information belongs to someone else

The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/20.
Complaint sub-issue: Problem with fees

I write to complain about an interest charged on my citibank credit card. It was an offline transaction occurred on XX/XX/2020 in XXXX, XXXX, where I purchased several stamps from XXXX  XXXX  ( XXXX XXXX ). The transaction has been categorized as " Cash Advance '' by citibank, and I was levied an interest charge because of that. However, to the best of my knowledge, I did not input any PIN into the POS when I made the purchase. 

I contacted citi via online chat, trying to tell them they have miscategorized the transaction, and politely asked them how I can prevent this from happening again. Yet I was informed that I should not proceed with the transaction when I learned the transaction is a " Cash Advance ''. However, this sounds a little bit ridiculous to me as a customer would never be able to learn whether a transection is a " Cash Advance '' before it has been posted in the customer 's statement. This becomes a Catch-22 from my perspective. Further, this offline transaction did not require me to key in any PIN number at all, which has made me more concerned. Doesn't this indicate that a bank could authorize " Cash Advance '' without a PIN number? If so, how would a customer be able to protect herself from her transaction being miscategorized as " Cash Advance '' and then exposing herself to the high interets and fees levied by the bank in such an ungrounded manner? How could a customer protect her money if a bank could authorize " Cash Advance '' without a PIN? 

Even though the amount involved is marginal, yet the fault in the system reflected in such case, I belive, does warrant more scrutiny and review. I hope CFPB and citibank could look into this case from a systematic perspective, and at least provide customers an option to prevent such " Cash Advance '' without a PIN from happening, so that customers could be immune from such arbitrary fees and charges, and their hard-earned dollars could be preserved in a way as customers wish. 

Thanks.
Complaint sub-issue: Investigation took more than 30 days

After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts from my report.
Complaint sub-issue: Having problems with customer service

I have loans with FedLoan. I requested a new repayment plan beginning XX/XX/XXXX. I have called every month requesting information regarding the status of my loan. I was told that they were having trouble processing applications due to the amount of requests. But during this time I had to place my loan in to forbearance, gathering interest. I called back again and they told me that it was processed but I needed to take further steps. I completed these steps and the representative told me that I would receive something in the mail with in a week. I called back again and was told that it would take one to two billing cycles to complete. I had to extend my forbearance again. I called a month later and again was told that it would be another month before I could make a payment on the new payment plan. I was informed by this representative that I was misinformed by the last representative I spoke with. It has been four months since I first submitted my request, and have been told that it could be two more months before I start payments. That would be approximately 6 months of interest being gathered during this time.
Complaint sub-issue: Bounced checks or returned payments

My US bank account was closed by me late XX/XX/2021. I had overdraft protection on my account as well. US bank allowed a company to withdrawal money from my account after I had already closed it and continued to charge me overdraft fees on a closed account. I now have Debt collectors calling me non stop and sending letters to my home. I do not owe this debt.
Complaint sub-issue: Old information reappears or never goes away

Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and Equifax. It is beyond its statute of limitations to be reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, [ Your Name ]
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had service performed at XXXX XXXX  ; XXXX, OH from an original estimate on XX/XX/18 paying {$2500.00} in advance. This work was performed. When I picked the car up on XX/XX/18 I was given a bill for additional service dated XX/XX/18 for {$780.00} that I was unaware of and did not authorize ( no authorization signature ) for new tires and a inner tie rod end. I left not realizing they were a mismatched set and not the size specified for this vehicle. 
I went back to XXXX XXXX on XX/XX/18 with my brother to dispute this charge. I was told I would be given a 50 % credit for the tires because I had originally left with them on the vehicle. Since I felt this was unauthorized service to begin with I did not accept this offer. I told them I would take it to another shop to get a full set of the right tires. They said fine, bring the tires back and they will give me 50 % credit. I declined the offer again and said I would take it up with the credit card company. 
I went to a XXXX 's XXXX XXXX XXXX that same day. They told me that the installed tires were the wrong size and load range for this vehicle. XXXX was a mismatch brand. They replaced with the proper tires. 
I returned the mismatched set of tires with my brother to XXXX XXXX later that day. Their in house printer was not working so they could not give me a printed return but wrote one out on a sheet of paper. No refund was given at this time. 
I contacted my Credit Card Company, XXXX XXXX MasterCard on XX/XX/18 about this matter. After the tires were returned I contacted them again. They opened up a dispute ( Case # XXXX ) on XX/XX/18. I sent them all the pertinent paperwork. 
I am now being told by XXXX XXXX that MasterCard is not accepting the written return receipt because it does not meet their requirements. 
As of now I do not have the tires ( I do have the unauthorized work ), and XXXX XXXX is charging me this full amount ( {$780.00} ).
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened XXXX/XXXX/XXXX
Complaint sub-issue: Account information incorrect

The loan was paid off XX/XX/XXXX and they reported it XX/XX/XXXX 30 days late for XXXX dollars that caused my score to be effected they also still show I owe a balance and the loan was paid off when I traded the car in. This is not right and they wont update my credit
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Complaint sub-issue: Account status

Equifax reports me as being late on an XXXX XXXX XXXX Account XXXX. Once in XXXX of 2016 and again in XXXX 2016. XXXX never reported me being late and Equifax has failed to verify and correct but has not done so in 60 days.
Complaint sub-issue: Information belongs to someone else

Lexis Nexis XXXX XXXX XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX XXXX This is an ongoing issue I have to file a report with XXXX Ohio Police Dept . I am no longer living in Ohio. Some one has access my personal files and taken out accounts for business in my name..
Complaint sub-issue: Information belongs to someone else

You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.
Complaint sub-issue: Old information reappears or never goes away

Update : XXXX took one small action to address the Identity Theft related hard inquiries on my report. EQUIFAX XXXX XXXX FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, Equifax, XXXX and their executive branch, the Consumer Data Industry Association , which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or Equifax. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This criminal cartel must be SHUT DOWN!!
Complaint sub-issue: Debt is not yours

Hello, on XX/XX/XXXX I received an MyFICO alert informing me a collections was added to my account. I immediately logged in to check. Its a collection thats being reported from AFNI for XXXX. Ive NEVER held an account with XXXX. I contacted XXXX  and they opened a dispute for me. I ALSO contacted AFNI asking what this collection was about and they couldnt answer me. I asked if they could provide me with a BILL and/or signed contract and the woman told me she couldnt locate one. If you cant locate a a signed contract, then what exactly are you holding me XXXX for? AFNI reported a {$200.00} collection a couple years ago, and I had it removed. So NOW, theyve added a NEW collection account and added {$200.00} to it. Thats unacceptable. Ive heard many stories about AFNI being reported in XXXX practices but this takes the cake. Theyve only reported it to ONE bureau, which is one of the major reasons I know this isnt accurate. Please assist me with ridding myself of the harassment and horrible collection practices of AFNI. This HAS to be illegal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries are not mine... .XXXX XXXX, ( XXXX )
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.