Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX  XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Problem with personal statement of dispute

I requested a statement I placed at all 3credit bureaus to be removed on XX/XX/2021. XXXX  and XXXX  removed the statement immediately. Equifax was difficult to get in touch with a human without going through a computerized verification. Then you have to supply the human the same data before they will speak with you. Instead of removing the statement, they opened an investigation. I called today XXXX XX/XX/2021 XXXX to have this investigation closed as it is a red flag to the mortgage lender I am using to purchase a home. I had to enter my personal information twice into the computerized system then again to a human who then also sent me a link to take pictures of my DL and a selfie but the system did not work. Then they refused to speak to me because they are stating I have a minimum monthly credit card payment, which I do not have a minimum monthly credit card charge. I was transferred to a " supervisor '' who again asked for all the same information. Then she told me the statement was removed but the system has not closed the investigation and she could not tell me when the investigation would be closed. She kept insisting that there is no open investigation, yet there clearly is an open investigation when I log into my Equifax account. This process is holding me back from purchasing a home. The other XXXX bureaus removed the statement the same day. I do not understand why Equifax needs 30 days to close out completed work assignments. I additionally feel that they are the reason for many of my data breaches and having to cancel my debt card for fraudulent activity.
Complaint sub-issue: Information belongs to someone else

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) 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 XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

I need my XXXX XXXX on credit report to state current. It is reporting negative on XXXX, XXXX, and Equifax from the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Complaint sub-issue: Investigation took more than 30 days

Back in XXXX I filed a dispute with all three credit bureaus and the company BBVA ( formerly known as Compass Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account XXXX at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the XXXX was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Complaint sub-issue: Trouble with how payments are handled

I received information from the united states department of education, during these conversation through the phone and mail, I was informed to contact a company called fms and this company would set up a payment plan that would report that my loans are being serviced by them I currently have XXXX of them XXXX are from XXXX XXXX college, the other XXXX are from XXXX XXXX college, in a review of my credit report on which these accounts are listed four times separately there is no mention of my paying these debts monthly as agreed at this time i am asking that this information be furnished to the XXXX credit reporting agencies, stating a positive reference that i have currently making payments and they are timely, I also am asking that my wages that were garnished become part of the resolution as well as my federal offset, I am enclosing copies of the payments made, to fms rehabiliation program under the united states department of education.
Complaint sub-issue: Information belongs to someone else

Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, XXXX, and Equifax update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute online for my XXXX  Credit Report because I found, inaccurate information in the following areas : Name, Addresses, Phone Numbers AND Double Reporting information. 

I have 3 accounts that were reported Double but in separate categories on my Credit Report therefore this causes a double negative effect on my Credit Score. 

The accounts are as follows : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 

Each of these accounts were reported 2 times in 2 separate categories on my XXXX   Credit Report and possibly Equifax and XXXX  in the categories, Open Accounts and Collections Accounts. And I know this wasnt done by mistake. They did it on purpose. They are malicious. 

As for the Addresses, Names AND Phone Numbers, the Credit Agencies resound by using automated, generic responses. I get absolutely nowhere with them. They claim thats what the Creditor reported and act as if they dont need to do anything about it. This is in direct violation of the Fair Credit Reporting Act. It doesnt matter if the information was reported by a Creditor. That doesnt make it true. What matters is that the information on my Credit Report is, inaccurate, incomplete and unverifiable, but most specifically INACCURATE. 

For example, Ive never lived in New York. Yet theres a New York address on my Credit Report. Another example, my LEGAL NAME is, XXXX XXXX XXXX NOT XXXX XXXX. The information is INACCURATE and thats a FACT. I have the PROOF to be able to verify that thats not my name. Therefore both the Reporting Agencies and Credit Bureaus are reporting INACCURATE information. Simple. Black and white. 

But why is it XXXX near impossible to get anywhere with these people?! It seems like its their way or the highway regardless of the laws to protect consumers and citizens. So if thats what this really is, then this needs to be known and the Political and Economic Structure need to be changed to accurately portray whats really going on.

My requests are simple, black and white and WITHIN THE LAWS. There should be nothing else to it. So whats the problem?!?! Ill tell you what the problem is. This corrupt, scandalous, trifling, pathetic, disgusting government and system. The idea is ideal but the wrong people got a hold of the Device and are using it for their hidden agenda. Its just a false facade of freedom. If I could leave I would. I would of left a long time ago. But my Brain and Body are hostages being held against their will. And Im not a punk and I dont need your pity. And dont even try to use the XXXX card. I hate when you people do that and you know it. You wont get away with this. Justice will triumph. Real justice. Im SANE. And thats a FACT also.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Called XX/XX/2021 and XX/XX/2021 and I keep getting nowhere. I owe a little over 100,000 with some of the loans at 10 %. I asked a about a different program and they said they couldnt do anything.
Complaint sub-issue: Reporting company used your report improperly

This is related to the Equifax breach. I expect to be protected to the fullest extent of the law and compensated for the full amount of any unauthorized use of my personal identity.
Complaint sub-issue: Don't agree with the fees charged

XXXX XXXX added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. XXXX or XXXX XXXX added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. Great Lakes should have caught this error. I am requesting that you all forgive the whole total balance due to XXXX and XXXX XXXX 's fraudulent activity and Great Lakes ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX XXXX University in XXXX and did not attend XXXX  XXXX University until XXXX. Please see the attached file for documentation.
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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX  : Acct # XXXX account dates are different on XXXX XXXX Equifax and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days.

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have sent a debt verification letter on XX/XX/2021 they received it on XX/XX/2021. Ithe company sent me a bill of XXXX instead of the information I ask for. They did not validate the debt.
Complaint sub-issue: Information belongs to someone else

i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Complaint sub-issue: Information belongs to someone else

Several requests have been submitted to Equifax and XXXX - XXXX to remove this authorized user account from my credit report.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 Ay 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.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : 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 XXXXXXXX XXXXL, 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 and XXXX
Complaint sub-issue: Information belongs to someone else

XXXX/sagestream refuse to remove XXXX  and XXXX  XXXX XXXX inquiry from my credit remove
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
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 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 has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Was not notified of investigation status or results

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX XXXX  and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX wish have remove immediately from all credit agencies.
Complaint sub-issue: Account status incorrect

First progress secure credit told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports XXXX, XXXX XXXX and XXXX. 

Ive disputed it several times.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I sent a letter to Credit Bureau  but I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX  within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/2020