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

I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

At or around the beginning of XXXX I checked my XXXX account online and I notice an XXXX XXXX Charge for XXXX that I have never authorized or agreed to pay. I call my bank and placed a disputed and they said that they will investigate the claim, now less than 2 weeks after my complaint I'm getting a letter from a collection agency trying to collect on a debt that I do not recognize and I certainly do not owe. The representative was very rude and refuse to prove that we actually owe this debt and start pressuring us to accept that we are responsible for this debt and until we prove that we don't they will be continuing reporting this debt as well to credit bureaus and XXXX and as far I know they by law need to prove me that I owned the debt before they try or intended to collect on such debt. I was trying to make sense but they were pushing and pressure me to settle an account that I DO NOT Owe. 

I'm in the process of buying a house for my family and this dishonest practice will affect me in a big way, this type of collection should not be allowed especially without them proving that I actually, legally owned them the money. 
They suggested that I gave them my social, bank account, and routing number that is XXXX, I just got robbed on my own account why would I provide you with such private and non-public information. Make no sense
Complaint sub-issue: Received bad information about your loan

I have been trying to get a refund of a student loan payment I made during the COVID-19 pandemic ( on XX/XX/2020 I believe ) for some time. I have reached out to my servicer- both my original servicer PHEAA, and the servicer my loans were transferred to, XXXX, multiple times via email. PHEAA just keeps telling my my loans were transferred, and XXXX doesn't respond at all. Today I tried to call PHEAA, and after selecting several options from an automated menu, I was instructed to hold. Then the line hung up on me after less than a minute.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent off letters to the credit bureaus regarding inaccurate and unknown items listed on my personal credit report. As of today it has been over 30 days ( 35 days exactly ) and I have not received a response yet. I really feel like I am being taken advantage of and my disputes not taken seriously, basically ignored as if how this effects my score and life is a game. Base on my understanding from my research they have up to 30 days to investigate the items and if not those items should be immediately removed from my credit report. As I mentioned it has been over 30 days. I respectfully demand that these accounts be deleted immediately or I will file for litigation due to the stress and hardships this is causing me. Also my personal information was impacted by Equifax 's data breach and may have landed in the wrong peoples hands. Thank you in advance.
Complaint sub-issue: Reporting company used your report improperly

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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: Information belongs to someone else

These are not my accounts. This is a second request. Please remove them. I am not a mortgage company nor am I a credit person. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 states a Consumer reporting agency can not furnish a account without my written written instructions. I am motivated to seek deletion/ removal of this account.
Complaint sub-issue: Investigation took more than 30 days

Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to adequately protect my personal identifying information, then compounded the issue by failing to encrypt the data in a reasonable manner that would protect it in the event of a breach. This has led to an incredibly high likelihood that the necessary information to steal my identity has suffered a permanent exposure. 

After discovering the breach, Equifax ( XXXX XXXX, XXXX ) waited over a month to announce that the event had occurred ( XXXX XXXX, XXXX ), and then is requiring the affected consumers ( 143 million ) to jump through hoops in order to freeze their credit and protect themselves.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took out a private student loan with Citibank for {$12000.00} with a co-signer in   XXXX   and 1 year later, while I was still in school, my co-signer filed for bankruptcy. Unbeknownst to me, my loan was automatically defaulted because of this action. My loan did not default because I ( the primary loan holder ) failed to make payments or I, myself, filed for bankruptcy. I was in good standing before this happened. I should n't be penalized for my co-signer 's action or financial situation. Now my credit is tarnished.     A few months after I finished school, I received a call from a credit collection agency and that is how I found out. I had to hire a lawyer to sort out this mess and ultimately, I had to use what was supposed to be a down payment for a house to pay off this debt so that I would n't have a defaulted loan on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a car loan with a repossession on both my XXXX  and equifax Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. XXXX  says the debt has been verified. I have repeatedly asked XXXX  both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. XXXX   has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.
Complaint sub-issue: Reporting company used your report improperly

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX  and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX  in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX  report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows equifax has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX  reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus XXXX  reporting a balance of XXXX equifax reporting a balace of XXXX XXXX  reporting balance of XXXX XXXX  has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX  # XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX  # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 FOR 30 DAYS LATE???? HOW? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. When i confirmed with them Macy 's stated that they had sent it to the wrong address. Please correct / update for me.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. THE INQUIRIES LISTED IN THE FTC REPORT ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE CREDIT OR OTHER SERVICES IN MY NAME WITHOUT MY CONSENT.
Complaint sub-issue: Trouble with how payments are being handled

XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.
Complaint sub-issue: Account opened as a result of fraud

Recently I was terminated from my employment with another company. In the termination they stated someone had reported " Account Abuse '' on my XXXX  report and that I should obtain a report. I obtained a report and just received it. On the report Citibank is reporting an account as account abuse and charged off. Firstly I am a victim of identity theft, I never authorized any account 's to be open with this bank, I did not receive any checks from this bank. I did not receive any debit cards or any information about this account being opened from this bank. They did not call me to clear the fraud alert on my credit file and instead allowed the fraudulent account to be opened. Last year I had to file bankruptcy because of the Identity theft and all of the charges that occurred this account was not only included but it was discharged. However Citibank assumes I owe them for an account I never authorized. They are illegally attempting to collect a debt, and Illegally providing false information to XXXX about an account I had no knowledge about. I never authorized anyone to use my information, My wallet was stolen and CITIBANK WAS NOTIFIED. Citibank continues to choose to violate my consumer rights and continues to report the account monthly to XXXX as account abuse and all I have of this account is the last 4 numbers that's all it shows I never received any documents from this account, and I never received any monetary benefits from this account. XXXX is the last 4 digits and all it shows with a balance of {$900.00} It says Reported for " Account Abuse '' I didn't abuse any account 's because I DIDN'T EVEN AUTHORIZE THIS ACCOUNT. How can you open fraudulent accounts in peoples name without their permission, and then proceed to report it as account abuse are you kidding? There is no abuse because I never received anything from this account. ID Theft affidavit is below. Bankruptcy was discharged XX/XX/2021. You are illegally reporting false information and did not verify anything.
Complaint sub-issue: Debt is not yours

Ive received a letter of deletion and this company continues to resubmit this debt that Ive never owed, damaging my credit for the fourth time, this is very exhausting especially in the middle of closing on a house during a worldwide pandemic, which Ive stated before in the beginning of my home buying process months ago.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.
Complaint sub-issue: Trouble with how payments are being handled

I have two loans through Discover student loans. 1 in repayment, 1 still deferred. Despite being on autopay of XXXX/mo with a due amount of XXXX.mo plus an additional XXXX/mo being paid by my employer, and payment history showing the details listed below. There is no progress on the first balance. The latest statement shows an original combined balance of XXXX with a current balance of XXXX. Yet also somehow another XXXX grand in " deferred interest. '' I have made a total of XXXX in payments. Yet the first loan balance is only down by XXXX dollars. I believe there are fraudulent banking practices going on which essentially take the payments and apply them towards an ever-increasing interest ( clearly NOT 6 % ) and only minimally crediting the actual principle. This was not the case with past student loans. I think you have a duty to protect students from this usury. I will forever be an advocate of steering clear of these fraudulent loans. 
If there is ANYTHING you can do to get the proper credit applied to my loans I would appreciate it. 


Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Acct XXXX Paid {$98.00} XXXX XXXX Payment XXXX XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$400.00} Payment XXXX XX/XX/XXXX Acct XXXX Paid {$100.00} XXXX XXXX Payment XXXX Information as of XX/XX/XXXX Date Acct/Loan Status Amount Payer Payment Source Payment Confirmation # XX/XX/XXXX Loan XXXX Paid {$200.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$140.00} Payment XXXX XX/XX/XXXX Loan XXXX Paid {$26.00} Payment XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019. I opened a dispute regarding fraudulent activity on my Equifax Credit Report. The confirmation number for the dispute is XXXX. I received an email stating that the results should take 30 days which is allowed. I've since checked my results and they have did not complete a valid investigation on one account that was disputed specifically XXXX- a collection item. I spoken to several reps to try to resolve this but they can not provide me results and one rep told me that " they entered the wrong code '' So he then advised me to open another dispute since It was still displayed on my credit report. But it has been pass the 30 days and the result for that account was not complete. This is a violation. It is now XX/XX/2019 no results have been updated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2022, I received an alert notification email about my credit report. I submitted the consumer inquiry on www.procollect.com but didn't get any response. So I got on www.procollect.com web chat with the agent. The agent informed me that I have an account for the XXXX XXXX XXXXXXXX account # XXXX in the amount of {$120.00} + {$7.00} collection fee. The letter was sent to me at the address, XXXX XXXX, XXXX, TX XXXX. Even so my balance in full is due in procollect office later than by Monday, XX/XX/2022 or collection efforts will still continue for my account.