Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

XXXX  keeps reporting a debt from 2009, the company IC systems they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. XXXX  is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX XXXX. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX XXXX and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD.

I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. 

If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From IC Systems and 3. ) from XXXX. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. 

I am requesting a remedy and/or Valid documentation to be provided NOW. 

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

In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, XXXX, Equifax, XXXX, XXXX XXXX, XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXXXXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX FCU - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries XXXX XXXX, XXXX XXXX As God is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX XXXX XXXX, Incident # XXXX, Case # XXXX, XXXX XXXX XXXXXXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXXXXXX XXXX XXXXXXXX, Incident # XXXX, Case # XXXX, XXXX F XXXX # XXXX, for additional inquiries and attempt ( s ) to use my credit. 

Since XX/XX/XXXX, a person ( s ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ).
Complaint sub-issue: Information belongs to someone else

I believe, because I often may be living or visiting abroad for extended stays out of the country this has made me an easy target for identity thieves here in the U.S.. It was just a week ago or so that I discovered that there was a credit card and auto loan previously unauthorized by me taken out in my name. This include a XXXX XXXX credit card and an auto loan with XXXX XXXX.
Complaint sub-issue: Debt was paid

I contacted Enhanced Recovery Corp on XX/XX/2016 and paid my debt in full. Over 60 days has passed and they have not reported to XXXX that the account has been resolved.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I'm a living human being, I have the rights under 15 usc 1681.

Equfax is governed by 15 usc 1681, and they violated my rights numerous times. I demand the accounts lited below be romoved because according to 15 usc 1681, I have the right to privacy. And I did not give Equifax written permission to furnish these accounts
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Citi Bank card. My account was used by someone in the XXXX. They purchased {$2800.00} from XXXX XXXX in XXXX Citi closed that account and opened a new account and gave me a new card. I was happy with the response. Apparently, Citi got the money back from XXXX XXXX but Citi turn around and charged me again for the {$2800.00}. I have called Citi Bank since XXXX of 2021, when the initial fraud was detected, and still to this day, Citi has not cleared this fraud amount. I have called them every month at least 2-3 times a month and of course their calls are all outsourced to another country. Citi Bank is not helping me at all!! They are charging me for something that I did not buy!!
Complaint sub-issue: Was not notified of investigation status or results

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Information belongs to someone else

I been disputing the issue with only Equifax about a car loan I never own on my credit report for the last year. I ask for proof of signature from equifax and other information how are you verify the account is mine when I never own this car and why are you the only credit bureau showing this account. I have a XXXX XXXX and Im trying to buy a house but no will approve my loan due equifax wont do they home work and verify the situation. I need help.
Complaint sub-issue: Information is not mine

After submitting dispute information with credit report agency I 've received no final response.
Complaint sub-issue: Company closed your account

A Discover card was opened in XXXX, payment history was timely. An unauthorized dispute of the account was opened, however not authorized by the cardholder. Discover automatically closed the account however left the balance without informing me. 

Payments were effected for XXXX and XX/XX/XXXX due to miscommunication and understanding of what was actually occurring with the account. The way and reasons the account was closed should have left no balance. 

After speaking with several representatives to reopen the account as this was not authorized. No success. However I continue to make impeccable payments to the closed account.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX I disputed a ch XXXX  bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. XXXX had 30 days to do so upon request in the dispute XXXX   removed the public record because they could not verify the accuracy of the information. As ofXX/XX/XXXX there weas no record of the bankruptcy on my credit file. As ofXX/XX/XXXX the information has / reinserted/reappeared on my XXXX credit report stating Lexis Nexis is the furnisher of the public record 3rd party vendor of the public record and not the court. I called XXXX   XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy was XX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy was XX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding XXXX did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I submitted my recertification with the Public Service Loan Forgiveness ( PSLF ) program through FedLoan Servicing. The certification shows that I am employed by a 501 ( c ) ( 3 ) non-profit and had been employed there, full-time, since XX/XX/XXXX. FedLoan Servicing maintains a PSLF tracker on their website. On XX/XX/XXXX, FedLoan Servicing processed my application. The PSLF tracker was updated to note that a portion of my loan payments from XX/XX/XXXX to present were " qualifying. '' However, the payments from XX/XX/XXXX through XX/XX/XXXX were are listed as " Employment Not Certified, '' despite my certification. 

On XX/XX/XXXX, I contacted FedLoan Servicing to ask for a correction and that all payments from XX/XX/XXXX to present be marked as " qualifying. '' FedLoan Servicing responded on XX/XX/XXXX, " Records indicate the Employment Certification From to track your employment history has been approved until XX/XX/XXXX. The forgiveness portion has been denied since you have not completed the 120 qualifying payments. We advise to update this form annually. '' This was not responsive to my request. 

On XX/XX/XXXX, I submitted another request for a correction. FedLoan Servicing responded on XX/XX/XXXX, " A request has been submitted to review your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ) to include all months shown as eligible per the start date on that form. We will send correspondence if we require additional information and apologize for any confusion or inconvenience. '' I received that review on XX/XX/XXXX. The payments were still not listed as " qualifying. '' I have also called FedLoan Servicing to address this issue. The customer service agent was not responsive to my request. 

I am deeply concerned that this miscount will delay my eventual forgiveness, currently scheduled for XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Complaint sub-issue: Public record information inaccurate

The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( Equifax Information Services ( XX/XX/20 ), XXXX  ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Account # # # # # XXXX and 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: Received bad information about your loan

On XX/XX/XXXX, I discovered that my account with my federal student loan provider - FedLoan Servicing - was simultaneously paid ahead as well as two days past due. I have never paid ahead, nor have I missed a payment, during my entire history with this company, dating back to XX/XX/XXXX. In fact, I have consistently made the minimum monthly payment as determined under the terms of my income-driven repayment plan well in advance of each month 's due date. In XX/XX/XXXX, I resumed XXXX coursework at the University of XXXX, taking six total hours of classes for the Spring XX/XX/XXXX semester. I discovered in XX/XX/XXXX that my loans had been placed in in-school deferment. I wished to continue paying as normal, so I contacted FedLoan and submitted the necessary paperwork to have the deferment removed, backdating to XX/XX/XXXX. Since that time, however, I've dealt with a series of errors, beginning with my account showing as " paid ahead '' around XX/XX/XXXX. I spoke with a loan counselor in XX/XX/XXXX to resolve the issue, and continued to make my monthly payments as usual. Since I discovered the XX/XX/XXXX error, I've spoken with at least four different loan counselors and have received varying explanations and solutions, including the following : - Loan payments were misapplied, and would need to be manually reapplied, dating back to XX/XX/XXXX ( XX/XX/XXXX ). She informed me that this process would likely take 7-10 business days. 
- In pursuit of an update on the reapplication of my payments, I spoke to a loan counselor from the PSLF program on XX/XX/XXXX. According to him, one part of the system was showing as past due, while the other was showing as paid ahead. Should be fixed as of this morning ( XX/XX/XXXX ), but will call back tomorrow if not. 
- The loan counselor I spoke to on XX/XX/XXXX - XXXX, ID # XXXX - did call back on Friday, XX/XX/XXXX, and left a voice message. However, when I called FedLoan, I spoke to a different counselor who said that only the XX/XX/XXXX payment needed to be reapplied, offering two solutions : 1 ) go ahead and pay the {$76.00} that was supposedly " past due '' - an amount that has fluctuated from day to day - or wait a month to process a reapplication of the XX/XX/XXXX loan payment. I selected the latter. 

As of Saturday, XX/XX/XXXX, it appears that only the " paid ahead '' error appears to have been resolved. However, my online account now shows that I apparently owe {$100.00}, and that my account has jumped from 10 days past due as of yesterday to 42 days past due.
Complaint sub-issue: Personal information incorrect

I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.
Complaint sub-issue: Account status incorrect

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted transunion in regards to my Nelnet student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact Nelnet they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Complaint sub-issue: Account status incorrect

I was enrolled in school and XXXX didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with XXXX and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.
Complaint sub-issue: Frequent or repeated calls

We started receiving calls from Discover Financial Services, which we did not answer as we were suspicious as to authenticity. We are Discover customers and when they do contact us they leave a message, email, and/or text ( regarding suspicious activity. ) On XX/XX/2021 my wife took a call from them. They are seeking to speak with our adult son who does not live in our home. We took the message that they want him to call. Discover continued calling, usually several times a day. Since speaking with them on XX/XX/XXXX, which was two weeks ago, they have called 49 times, including three today ( XX/XX/XXXX ). I spoke with them, advised them we had spoken to them on XX/XX/XXXX, advised that they should not be calling and not to call again. 

Our telephone service maintains a log of calls, so I have a record of each call received. They never leave a message.
Complaint sub-issue: Public record information inaccurate

When trying to submit a dispute with Equifax, it asks me questions to confirm my identity, and the questions are n't about me.  Main one that raised a flag was " Our records show you have a Student Loan, what credit union is tha t through? ", and I 've never had a Student Loan, there 's a couple other questions that I 've been asked that I ca n't recall at the moment. This is resulting in my Equifax not changing, and being stuck at a low credit score.
Complaint sub-issue: Other problem getting your report or credit score

XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the Equifax data breach therefore my private information is vulnerable to malicious individuals.
Complaint sub-issue: Didn't receive services that were advertised

my wife recieved a email from our XXXX identity alert that her ssn had been found on dark web for sale. i started to put freezes on both her and my credit. XXXX  was easy. however equifax has for the last 7 days been nothing but a endless loop of answer questions take out a account, which we dont want, and then told call us because we cant help you or verify your idenitity ever though they had ssn, dob, phone numbers and address i even had to go though secondary email varification and still no freeze, i tried twice with so called customer service and first time was hung up on and second time was told to send pictures of myself and my wife to equifax customer service or send all documents by mail. it is clear that equifax has major problems with no intension of correcting them
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report on XX/XX/2019 and noticed this inquiry that I did not authorize. On XX/XX/2019 sent the creditor a dispute letter asking for proof of authorization and they sent a stalling letter asking for the same things that I sent in the original letter.