Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Company is reporting six accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Complaint sub-issue: Sent card you never applied for

THIS NOT A DUPLICATE XX/XX/21 I just received in the mail today another Visa Debit Card ( XXXX XXXX  ) with a different account number from Cash App - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit PLEASE NOTE : ON XX/XX/21 I HAVE JUST FILED A COMPLAINT # XXXX WITH CFPB FOR THE SAME COMPANY SAME CIRCUMSTANCE BUT DIFFERENT ACCOUNT.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Complaint sub-issue: Information belongs to someone else

The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX 8 ) XXXX  XXXX ( Original Creditor : 08 XXXX XXXXXXXX ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX  Account # XXXX Inquiries : -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: Received bad information about your loan

My loans, which should already be forgiven under XXXX, were transferred to Moehla. I submitted an employment certification form to Moehla on XX/XX/28 and followed up with a message explaining that the form had been submitted to XXXX XXXX and the payments inaccurately counted. I explained I should qualify for XXXX at this time under the federal waiver as payments prior to consolidation are counted under the waiver and XXXX XXXX gave me inaccurate information about consolidation anyway. Moehla finally got back to me two months later saying they hoped my issue was resolved ( how could it be resolved if they didn't do anything ), but if not, I should call them. The wait time is several hours. I am not wasting hours on hold on the phone. I did that countless times with XXXX and it went nowhere. Process the XXXX I submitted, give me credit for XXXX payments, process my XXXX  application, and forgive my loans.
Complaint sub-issue: Don't agree with fees charged

Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you
Complaint sub-issue: Information belongs to someone else

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : Upon reviewing a copy of my credit report, I discovered that I was a victim of identity theft as there was an auto loan with CARMAX AUTO FINANCE that was created XXXX XXXX XXXX I did not create this auto loan nor did I authorize my name to be on this loan. I have already disputed with all 3 credit bureaus however this negative item remains on my credit report.
Complaint sub-issue: Personal information

Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Equifax has reported a collection account from XXXX XXXX   XXXX that has been previously removed. Further I took both equifax and XXXX  to court over this matter and it was settled that the information was not mine and that it was to be removed and not added again. As it was the last 2 years. Then Today it was posted again. The info in the collection does not match my name or social, further it violates the settlement of the court.
Complaint sub-issue: Other problem getting your report or credit score

I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help
Complaint sub-issue: Reporting company used your report improperly

I did not give them oral or written permission to furnish this information on my credit report. This has caused undue stress for me and my children with trying to purchase a new home.
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 XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX
Complaint sub-issue: Not given enough info to verify debt

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Complaint sub-issue: Public record

Equifax has verified twice a judgement on my credit that is not mine. Equifax is the only credit reporting agency that claims to find it and verify it. I have challenged the item twice and asked for their source and proof by validation and they will not respond in kind. I called XXXX County Court house and they have no record of this judgement and they confirmed that they do NOT verify or report to ANY credit reporting agencies. This is keeping me from getting my home loan and causing financial distress. This violates my credit reporting rights. Please investigate and force this to be removed immediately! I have faith they will listen to you.
Complaint sub-issue: Old information reappears or never goes away

Old XXXX  account from 7 years ago that was paid and remove from my credit have been added to my credit report again. This account was removed and close but now its reappear.
Complaint sub-issue: Investigation took more than 30 days

Ive disputed accounts with XXXX, Equifax, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX,
Complaint sub-issue: Problem with customer service

The struggle continues with my situation. I am frustrated as how you can offer XXXX XXXX  XXXX XXXX forgiveness if you base this grant on SSD guidelines as you clearly do not understand when this benefits ends due to reaching full social security age vs. having a 5 to 6 year review. Not all recipients of SSD have a review of benefits as they reach full social security age and flip to those benefits. Perhaps if I had been diagnosed earlier than within 12 months of my full retirement age, I would have been given a review date. However based on my diagnosis which is an automatic grant of SSD benefits I doubt that I would have been placed on a review. 

I have continued to contact them- they offer a benefit they do not understant.
Complaint sub-issue: Problem accessing account

PNC will not allow you to connect with nearly any service such as XXXX or XXXX. By not having this accessibility, we are limited in using our accounts as we see fit. I am likely switching banks due to this because it has become more problematic over the years but the CFPB and customers should be aware of this issue since they do not tell you that your bank has limited accessibility at anytime. We've never even received warning about any of this.
Complaint sub-issue: Account status

I have received several credit reports from Equifax NONE of which show or report late payments on any of my old or new accounts. ALL old accounts were zerord from my bankruptcy and all new accounts are current. 
Yet Equifax continues to falsely report to creditors alleged late payments but can not supply the alleged account these so-called late payments stem from. 
Equifax needs to correct these inaccuracies and supply information pertaining to the alleged late account OR send updated credit reports to ALL creditors for the past 90 days to correct their mistakes.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to secure my and 148 million other people 's vital information. To say I am angry is an understatement. Equifax seems prepared to offer one year of credit monitoring for free then charging each year after that. Do i have to pay for their mistake? This is crazy.
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 / {$600.00} / XX/XX/2022 XXXX XXXXXXXX XXXX / {$11000.00} / XX/XX/202XXXX XXXX XXXX {$4200.00} / XX/XX/202XXXX XXXX  / {$4400.00} / XX/XX/2022
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

FOR THE STATEMENT OF XXXX ( XXXX TO XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS THAT A LETTER WAS SENT TO ME IN ANY WAY.THIS CITIBANK COMPANY HAS AFFECTED MY CREDIT IN UNUSUAL WAY. PAID MORE THAN THE MINIMUM REQUIRED AND NEVER HAD A PAYMENT IN ARREAR. THIS AFFECTED MY SCORE FROM XXXX TO XXXX AND THEREFORE MY CREDIT IS AFFECTED AND IT HAS DAMAGED ME, DAMAGE TO BUY A VEHICLE.THIS DECISION IS ALSO MADE BECAUSE I HAVE MORE CREDIT CARDS WITH CITIBANK AND THEY NEVER DID THE SAME WITH MY CREDIT CARD. CREDIT WITH THIS BANK HAVE EXCEED 50 % THE LIMIT. 

I WILL OPEN ANOTHER CASE WITH ANOTHER ACCOUNT FROM THIS SAME BANK. I ALREADY CONSIDER DISCRIMINATORY.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018, I submitted a payment to XXXX XXXX in the amount of {$460.00}, which is the required monthly amount, from my XXXX XXXX XXXX XXXX. I submitted this payment, despite the fact that my XXXX payment had not posted, and would not post until XX/XX/2018. The payment for XXXX would be due on XX/XX/2018. This payment was made 5 weeks before the due date. I was informed when I contacted XXXX throughout the month of XXXX, and most recently on XX/XX/2018, that the following was the series of events. I was informed by XXXX agents that XXXX, after receiving the payment request, contacted XXXX XXXX to inquire as to whether I had an account with them, as per their normal procedure. This request for confirmation was received by XXXX XXXX on XX/XX/2018. As per XXXX XXXX 's internal policies, this request for confirmation was to be responded to within 7-10 business days. I was informed when I contacted XXXX at the end of XXXX, that this confirmation had not been returned to XXXX by XXXX until approximately XX/XX/2018, which was eleven days after it was initially received. Due to this failure on XXXX 's part, the payment was not submitted in time by XXXX to cover my XXXX payment. On XX/XX/2018, I contacted XXXX XXXX and was informed that the payment had been received, and that I would not need to make any additional payments. I was assured that once the payment had been processed, it would be applied to my account, retroactively, to XX/XX/2018. Today, XX/XX/2018, I received correspondence stating that no payment had been received, but that some payment had been applied to XXXX. 

While trying to deal with this issue, I did make an additional payment for XXXX on XX/XX/2018, in the hope that it would be processed before my payment due date on XX/XX/2018. Given the contradictory information XXXX has provided, I am demanding that the two payments I have made, dated XX/XX/2018, be applied to XXXX, and that the payment I authorized on XX/XX/2018, be applied to XXXX. This is not a new issue, as evidence by my previous complaints. I demand that these payments be made, and applied to my account immediately.
Complaint sub-issue: Problem getting your free annual credit report

I've sent several request in order to receive my consumer report from XXXX, XXXX and Equifax. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.
Complaint sub-issue: Account status incorrect

Equifax is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally Equifax had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. Equifax, then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX  {$670.00} ) itself, but because Equifax dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXX XXXX of {$1100.00}
Complaint sub-issue: Debt is not yours

While working for the Oklahoma Supreme Court in XXXX, I lived at the Regency in Oklahoma XXXX on a one-year lease. The apartment was below average but met my needs as I returned home in XXXX weekly. There were several incidents that occurred during my stay there including elevator outage, basement parting gates would not open and so on that were uncomfortable and unsafe. In XXXX XXXX, XXXX, around XXXX, with freezing temperature, the apartment caught fire due to faulty wiring - http : XXXX. Residents were temporarily moved to the XXXX XXXX but I chose to find another apartment and explained to management of my intention to vacate. I vacated my apartment and moved. I was told I needed to pay XXXX {$850.00} XXXX for XXXX month rent instead of XXXX months because of the incidents and the fire. 

XXXX XXXX, a collection agency for The XXXX, has been requesting that I pay {$3000.00} and has now place this collection note on my credit report. By not providing a safe and comfortable environment, I believe that the XXXX was in violation of their lease agreement. This is extremely unfair and unethical. I request that the Collection note be removed from my Credit Report and in return I would pay the {$850.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Bankruptcy 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