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

On XXXXXXXX XXXX2020,. {$520.00}, I proceeded to call XXXX  to obtain info related to company " XXXX  XXXX. '' XXXX  referred me to XXXX  given phone number. I contact XXXX and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and XXXX  both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Complaint sub-issue: Inadequate help over the phone

I put in a dispute with Equifax and XXXX XXXX back in XXXX 2016. I notice that XXXX did an inquiry on my credit file but I did n't request or authorized them to pull my credit. XXXX sent me a letter stating the inquiry will be removed because it was an unauthorized inquiry. I called Equifax consumer XXXX on XXXX XXXX because I did n't receive and notice from them stating the investigated the unauthorized inquiry. The person I talked to that they stated the do n't investigate inquiry 's. I told him that XXXX XXXX has already investigated the matter and requested that the inquiry be remove. The person on the phone stated the inquiry will not be remove. Equifax is always refusing to investigate or remove items that has been proven is inaccurate information. I always have to put in a complaint to get items taken care of. I have attached the XXXX letter saying they requested the item to be removed.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX To legal Staff ; Discover Card You continue to send me new statements after 2 years of me making no payments because you closed my account in XXXX-I quit paying because of Covid and you charged this off. 
In XXXX of this year you sent me new statements and renewed my account-I did not sign anything to reopen this account. When you renewed my account in XX/XX/XXXX my credit score was XXXXyou now say Im 120 days late and continue to ruin my credit-down to XXXX now. I have disputed this wrongful reporting and seeking legal advice now. You have fraudulent added payments you are saying I paid from XX/XX/XXXX to XX/XX/XXXX ( My last payment to you was XX/XX/XXXX ) -but you show nothing before XX/XX/XXXX You have damaged me and either correct this report or I will seek damages against you. Im XXXX XXXX XXXX and my credit is ruined because of your fraud reporting. 
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: Their investigation did not fix an error on your report

Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Citi Bank received my formal dispute on  XXXX / XXXX / 17 . I requested validation of this account, as they have a Best Buy credit card reporting as " written off/past due '' under my social security number. CitiBank only responded with a letter stating the account is delinquent {$470.00}, with no other information. Citi Bank also failed to mark my credit report as disputed within thei r 30 allowable days. I then mailed them another letter asking for validation and how they verified the account. I hav e still not gotten a reply from them nor have I received any additional correspondence associated with this account they claim to be mine.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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: Didn't receive notice of right to dispute

I have been receiving back to back calls and have recently seen a drop in my credit score due to Afni collections. I have been warned not to speak with this company over the phone and to have everything in writing. I do not know what this debt is. I have never received any notices in the mail regarding any outstanding debt. I always pay my bills on time and do not believe this debt is accurate.
Complaint sub-issue: Information belongs to someone else

There are loans from XXXX XXXX XXXX XXXX XXXX, and Fedloan servicing on XXXX, XXXX and XXXX. These loan are not mine and i have reach out to them. Fedloan servicing does not have much information on the loan and are unable to tell me much about it.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account
Complaint sub-issue: Problem with fees

Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.
Complaint sub-issue: Information belongs to someone else

I was part of the XXXX Equifax XXXX breach. On XX/XX/XXXX A fraudulent closed account from XXXX  XXXX XXXX XXXX showed up on my Equifax credit report and the date it appeared it automatically showed under remarks : consumer disputes, reinvestigation in progress. Charged off account. XXXX XXXX XXXX says they dont have an account with my information. How did this get on my Equifax credit report then? Something is going on with Equifax and its scary. 
I didnt even have a chance to dispute it and it wont let me follow the process to dispute the closed account myself nor can I see the progress of the dispute on my equifax account. Its clearly fraudulent. I cant get through to anyone at Equifax to help me and spent hours on the phone with them only to be disconnected by the representative. No one ever called me back.
Complaint sub-issue: Account status incorrect

Company Name : Great Lakes Company Type : Private Year Founded : XX/XX/XXXX Phone : ( XXXX ) XXXX Website : www.mygreatlakes.org Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX I have two student loan providers Great Lakes and XXXX. And Great lakes is horrible. 
I am completely dissatisfied with Great Lakes. I have both a subsidized and unsubsidized loan at a higher interest rate. I am writing this complaint to warn CFPB and other students who have loans or any associations with this company. Make sure to document " everything. " There is some serious unethical practices going on with this company and someone needs to make them accountable for what they are doing to consumers. They are not competent to manage any data in regards to loans. This is ruining my life, I lost the house I was in contract to buy right before it closed. Now I am stuck, and someone else bought the house it took me 2 years to find! My credit went from XXXX to XXXX.. 300 point drop form a 90-180 days or more past due DELINQUENCIES I Filed disputes with Credit B 's and I even called on XX/XX/XXXX and speak with the agent XXXX XXXX XXXX and the supervisor XXXX Ext XXXX I also emailed her. she looked into the account and could n't explained why my old account ending in XXXX from XX/XX/XXXX was still showing up as negative when I have a new account ( XXXX ) thats positive and paid as agreed she also advise me to dispute the old closed negative account which I explained to her I did multiple times and its still there. I only hope is to file a complaint to get those late payments or entire old account removed. I have been making all my payments and understand it is my responsibility to pay my loans. This is seriously effecting my life, already lost the house, now my car is breaking down, and can not get approved to get another one because of these late payments. The late payments were reported on XX/XX/XXXX through XX/XX/XXXX on all three CB '' s as serious delinquencies. I currently have an account that I 've been paying on time for 12 or more even when my account is in forbearance I still call in and make a payment. 
The dates are listed below. 

XXXX ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.
Complaint sub-issue: Other problem getting your report or credit score

In early XXXX I requested copy of my credit report. CRA snail mailed me a link to open report online. Opened link, reviewed report found numerous errors. Contacted CRA and spoke with rep on fone, detailed errors. About one month later received correspondence from CRA that certain of the erroneous information had been deleted. Said correspondence included a link to review " corrected report '' Link did not work. Contacted CRA. CRA agreed link was faulty and promised to re-send a new link. Several weeks later received another snail mail letter containing yet another link. This link too was faulty. 
Contacted CRA again. CRA again agreed the link was indeed faulty. CRA agreed to overnight a hard copy of my report so that I could review my " corrected report '' Never received promised overnight letter containing report. CRA offered a case number for this request to-wit : XXXX. Re-contacted CRA on XX/XX/21. CRA now claims my file and report are " lost '' and can not be retrieved. Attempted to contact Lexis/Nexis corporate as the customer service people, while polite, are worthless. Unfortunately, Lexis/Nexis corporate is totally incognito and can not be reached. All the while, I am assuming that my file continues to be made available to their subscribers containing quite possibly incorrect and potentially libelous information. 
This company needs to account for their shortcomings. I'd recommend that a case be opened by CFPB and that civil money penalties be imposed for their flagrant abuse of the FCRA,
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/XXXX, I received an email from several student loan companies telling me it was time to re-certify for Income-Based Repayment. On XX/XX/XXXX, I filed re-certification paperwork with www.studentloans.gov -- copy of email verification attached. On XX/XX/XXXX, I received notification from American Education Services that the student loan re-payment paperwork was received from www.studentloans.gov -- copy of email attached. On XX/XX/XXXX, I received an email from American Educational Services that I was denied the request for income-based repayment, with no explanation given, and told to see an upcoming letter for the reasons -- copy of email attached. I recently received TWO letters on XX/XX/XXXX from American Educational Services, both arrived on the same day and both dated XX/XX/XXXX. The first letter stated that I was denied because " I applied too early '', the second letter once again stated I need to re-certify for Income Based Repayment given a due date of XX/XX/XXXX. Then rejected for " too early '' and told to reapply again with deadline. I called the company today on XX/XX/XXXX to discuss the issue. The customer service representative told me I should consider re-applying in XX/XX/XXXX!!!, because of some XX/XX/XXXX date in their system, despite the fact that the letter has a deadline of XX/XX/XXXX. I told the rep about the XX/XX/XXXX date and the rep said " try applying again end of XX/XX/XXXX and see if that works ''. Terrible! I have not had this kind of problem with ANY other student loan company. All my other student loan companies have received the same info from studentloans.gov at the same exact time in response to annual re-certification and approved my request with no hassles. I am greatly dissatisfied. People should not be treated this way and have to be at the mercy of random games played by a student loan company, when you have no clue what you actually need to do to satisfy their rules for Income-Based Repayment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 2 hard inquiries on my credit reports from Troy Capital , LLC that I didn't authorize. The dates of the inquiries are XX/XX/XXXX and XX/XX/XXXX. I have never applied for credit with Troy Capital , LLC and have never authorized this company to access my credit. 

These inquiries have damaged my credit score and have caused me to pay a much higher interest rate on my current loans. I will be seeking compensatory damages if these unauthorized inquiries from Troy Capital , LLC are not removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following Accounts, 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. 

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXX  Account Number XXXX XXXXXXXX DEPT OF EDXXXXAccount number XXXX, Loan ( XXXX ) 4. DEPT OF EDXXXX  Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO ED/XXXX  THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXXXXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXXXXX XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Complaint sub-issue: Other problem

I closed an credit card account with citi bank security credit card and left a balance of - {$420.00} Due excessive payments the banking is making difficult to return this money back to me, I got only {$65.00} check sent by mail and the bank keep holding {$360.00} since XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX***-Balance {$0.00}
Complaint sub-issue: Problem cancelling or closing account

my credit report is freezing i did ask XXXX located at XXXX XXXX, XXXX, ga XXXX but this agency charge my credit card and not unlock my credit. 
please help me to lift a freeze on my credit thank you
Complaint sub-issue: Other problem getting your report or credit score

I CAN NOT get into my Equifax account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!
Complaint sub-issue: Old information reappears or never goes away

A charged-off privately-held ( non-government insured ) education loan charged-off trade line is showing an inaccurate Date of First Delinquency on Equifax credit report. The item was already previously disputed directly/via Equifax and furnisher returned 'verified as accurate ' which led to escalating this matter to the Consumer Financial Protection Bureau XXXX This complaint is in regard to the following account : XXXX ( Original lender : XXXX XXXX XXXX XXXX hereafter referred to as XXXX XXXX  XXXX XXXX Box XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX Date of First Delinquency showing on Equifax credit report : XX/XX/XXXX Actual Date of First Delinquency ( date upon which payments were at least XXXX days past due ) : XX/XX/XXXX A complaint was previously filed with Consumer Financial Protection Bureau against XXXX for this account. XXXX responded XX/XX/XXXX admitting that the account became due XX/XX/XXXX and entered repayment. No payments were made, hence XXXX  days from this date would confirm the date of first delinquency actually being XX/XX/XXXX. 

XXXX went on to confirm that they illegally re-aged the debt by changing the Date of First delinquency to the time frame in which my bankruptcy was discharged in XXXX ( see attached evidence, language highlighted XXXX. The Date of First Delinquency lawfully can not be changed when an account is never brought current, hence why it is termed Date of *First* Delinquency. Furthermore, as student loans of any kind can not be included in bankruptcy, the bankruptcy would be irrelevant to this trade line.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

You dont understand. It was EQUIFAX lady that told me my account would remain OPEN! Has NOTHING to do with contacting other creditors! Account ending in XXXX. Please SEE Equifax the problem is with YOU guys telling me one thing on my credit report and then doing opposite ... ... Equifax you PROMISED you would have the account XXXX XXXX remained OPEN as I NEVER cancelled it, it DID remain open EVEN after talking to the supervisor but THEN EQUIFAX YOU went behind my back and cLOSED account on your records because I was contacted by XXXX XXXX asking if I did I CLOSE account that someone did and I didnt! Talked to XXXX XXXX and they AGREED what YOU Equifax lady with three letter name! DID was WRONG and said I shouldnt have to put up with. XXXX XXXX said sorry Equifax putting me thru this.THIS sorry EQUIFAX YOU people putting me thru this!
Complaint sub-issue: Problem getting report or credit score

In my most recent Equifax Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Equifax to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
Complaint sub-issue: Deposits and withdrawals

I filed my dispute by phone on XX/XX/XXXX and then I received a form from bank that I completed, signed and then faxed back on XX/XX/XXXX. On XX/XX/XXXX, I called to find out status and if investigation wasnt completed ask why I hadnt received provisional credit as per stated on monthly statement under For question regarding account history, notice of errors, or preauthorized transfers it clearly says We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error, so that you will have the use of the money during the time it take us to complete our investigation. Its been >10 business days counting from date I faxed back their form. When I asked customer service rep why I hadnt received provisional credit she said not all account qualify for provisional credit and I stated # XXXX It does not say anywhere on their monthly statement or under their terms and conditions that not all accounts qualify for provisional credit and # XXXX per EFTA federal law under Reg E due to disputing an debit card transaction error I am entitled to provisional credit. 
But they didnt care.