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

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX  are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Complaint sub-issue: Trouble with how payments are being handled

Hi, I contacted you in XXXX about my student loans and now it seems like since I contacted you, my student loans balance has gone down somewhat, which further lets me know AES has been taking my money for over 10 years and not applying my payments to my loans. My name is XXXX and I consolidated my student loans with XXXX XXXX in XXXX and it appears my loan was sold to XXXX XXXX XXXX who changed their name to American Education Services. This company has had many complaints over the years and they are continuously taking advantage of customers. I cant even target my payments to specific loans. My original loan amounts are as follows : 1. Beginning balance XXXX} ( sub ) Current balance XXXX  2. Beginning balance {$1900.00} ( unsub ) Current balance $ XXXX} 3. Beginning balance {$XXXX ( sub ) Current balance {$12000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$11000.00} Totol due as of XX/XX/XXXX {$27000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$27000.00}?? Something is wrong!!! Since XXXX, my payments were between $ XXXX {$200.00} and as of XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy and not doctored up documents. 
Would you be able to assist me? 
Here is the contact information I have for AES : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Complaint sub-issue: Account information incorrect

I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.
Complaint sub-issue: Their investigation did not fix an error on your report

These inquiries do not belong to me. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

DataX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Complaint sub-issue: Information belongs to someone else

This is a 3rd request. These aren't my accounts. Please remove them. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. I beg you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Debt was result of identity theft

Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from AFNIINC on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in XXXX XXXX XXXX since XXXX ( proof attached ), please delete it from my report
Complaint sub-issue: Information belongs to someone else

The following accounts on my Equifax and XXXX credit report was reported as lost/stolen : XXXX XXXX XXXX , {$1100.00} and XXXX XXXX XXXX , {$760.00}. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX  XXXX XXXX and XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX , XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my Equifax credit report is fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Complaint sub-issue: Account status

I contacted XXXX XXXX to request proof of validation regarding account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Deposits and withdrawals

I deposited a check payable to two parties, both of whom properly received and endorsed said check for deposit. Citibank said they received notice the check was not good but would not provide information to back up their claim that is was not paid. I provided notice that said check was already paid by issuing bank.
Complaint sub-issue: Not given enough info to verify debt

I received numerous calls regarding a debt that I owed to a college I attended. When receiving those calls my personal information including my ssn was requested in order to verify the account. I advised numerous representatives that I would like the information in writing. Due to being leery of scams and identity theft, I would not supply my personal information to an unknown source. When I did not receive any of the requested information, I contacted the school to find out the name of the collection agency my account was referred to. I was provided a different name other than Enterprise Recovery Systems. I then started making payments to the school directly thinking the company was not legitimate. Enterprise Recovery later placed the collection account on my credit report ; I disputed it because I was never properly informed of the debt. After the dispute was filed, I received notification of the outstanding balance via mail ( today. ) I contacted Enterprise and the representative advised there were numerous calls but my identity was never confirmed. I explained that was correct because I would not give them my ssn via telephone. I advised her that I will be paying the balance in full and requested the collection be removed from my credit report due to lack of and improper communication. She advised they wo n't remove it they will only place paid in full on my report which I think is unfair.
Complaint sub-issue: Information belongs to someone else

XXXX and equifax has refused to take car loan off my credit report after I have proved it was fraud and identity theft
Complaint sub-issue: Information belongs to someone else

The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as my Driver 's license and SSN. I have been disputing the information on my Credit Report that are completely unknown to me. I have been also doing some research and discovered that I may be a victim of identity theft and that the items I am disputing are the results such crime. I have also been submitting complaints through the CFPB in hopes that the Credit Bureaus would pay attention to my disputes and remove the items I am disputing. This complaint is already my 6th complaint and the letter I sent was already my 4th written appeal. Under the Fair Credit Reporting Act Section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit File. I have read enough and understand my rights, which is clearly being violated by the Credit Bureaus. I need the following items removed as soon as possible : XXXX XXXX XXXX, XXXX, C XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed XXXX {$820.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax has assumed the role of that of acting as a fiduciary over my consumer credit report. I never gave permission nor my CONSENT to Equifax to furnish any of my information to anyone. With that being said and Equifax 's " Technology Coding Issues '' has harmed me, they have been providing inaccurate/false credit scores to everybody, sent out erroneous credit data on my behalf to everybody, in turn is costing me higher interest rates and adverse action taken against me. Plus, I know that they have been selling my data to lenders with out my permission as well. 

Equifax DID NOT exercise their grave responsibilities to protect my PRIVACY. Equifax is unfair, partial, and DID NOT respect my right to PRVIACY.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXXXXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I asked EQUIFAX to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies and DUPLICATE accounts on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  # xxxxxxxxxx XXXX, XXXX # XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, all have 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute regarding a collection account for {$17.00} with XXXX and XXXX a few months ago. Theres been no follow up.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, XXXX and Equifax, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/2019 payment made : XXXX XX/XX/2019 payment made : XXXX Account was paid in full. 
Bay Area Credit reported me to my credit report after I paid the account in full which has negatively impacted my credit. I received no communication ( phone or written ) on this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the clarification l etter ( see attac hed ) from  XXXX ,   XXXX   refuses to delete the account from my credit report.
Complaint sub-issue: Debt is not yours

This collection company put this collection on my credit report with XXXX, IC Systems for a bill with XXXX XXXX on XX/XX/XXXX. I reached out to XXXX on XX/XX/XXXX to state this was not my collections and that on XX/XX/XXXX another collection company tried to place this same exact debt on my credit which XXXX took off my credit on XX/XX/XXXX. Apparently this collection company bought this debt and has again violated my consumer rights because I reached out to XXXX XXXX and they are aware this was not my debt. I asked XXXX to please dispute and remove this collection. XXXX in turn did an update to my credit file on XX/XX/XXXX trying to delete this collection but allowed IC Systems to put the collections back on my credit on XX/XX/XXXX. 

I have attached documentation showing it was removed the first time and would like it taken off my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX
Complaint sub-issue: Investigation took more than 30 days

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, Equifax and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there were 90 days late ( XX/XX/2018 ) payments on my credit report. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00}
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022
Complaint sub-issue: Reporting company used your report improperly

Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.
Complaint sub-issue: Information is not mine

FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. A FRAUDULENT INQUIRY FROM EQUIFAX MORTGAGE SERVICES & A FRAUDULENT INQUIRY FROM XXXX. REMOVE FRAUDULENT INQUIRIES FROM CREDIT FILE.