Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXXXXXX XXXX XXXX  : Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Discharged : Reference # : XXXX XXXX XXXX  : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

XXXX15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military XXXX, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, Equifax, XXXX, has violated my rights by reporting the following on my report : DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Received bad information about my loan

This my 3 time writing to the CFP about AES ( American Education Success Service ) reporting to the credit bureaus concerning my student loan. I have sent documents to support the fact that AES does not the right to report to the credit bureaus concerning my student loans and that this entry should have been deleted. But the credit bureaus refuse to delete this entry also. My loans were consolidated XX/XX/XXXX, I have XXXX loans, when AES was first listed as servicer. In XX/XX/XXXX, I went into bankruptcy until about XXXX and my loan was no longer listed under AES, as servicer. Since, I have disputing this negative entry on my report for about 2 years. Now, AES has changed the name on my credit report to XXXX XXXX XXXX, AES HAS NOT SERVICE ANY OF MY thing SINCE XX/XX/XXXX, THIS IS NOT LEGAL. STATUE OF LIMITATION IS OUT. They can not continue to hijack my account like that. This entry needs to be deleted immediately. I will not stop until something is done about removing this entry altogether from my report. Something needs to be done about them with this negative entry. They refuse to remove this negative entry from my report. XXXX was responsible for my loan since XX/XX/XXXX, because my loans was listed on my bankruptcy, I was still in a grace period in XX/XX/XXXX but after that my loans were in default but not with AES, it was with XXXX. So, I do n't know why they are feel so obligated to continue with my loans. The government paid them at the time for my loans.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to get my free annual credit reports on XXXX  from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX report. Equifax and XXXX  'XXXX  links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both Equifax and XXXX. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account with the credit bureaus and The Bureaus. I have received no response whatsoever. I do not know who The Bureaus are, or why they are on my credit, I have never done any business with them, ever. I have no contracts signed with the bureaus, and the debt remains unvalidated, but they keep calling me at home, on my cell, and at work, and I have begged them not to. I have no relationship with The Bureaus and want them to leave me alone. I believe they have been using unfair debt collection practices and also have used abusive language towards me when I asked them to leave me alone.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

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 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX 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.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit XXXX XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so XXXX can take those innacurate inquiries ( XXXX XX/XX/XXXX) ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX) ( XXXX XXXX ) that are hurting my credit score and I cant take a home because XXXX is refusing to remove information that are not mine. 


On EQUIFAX the inquiries are ( XXXX XXXX XXXX ) ( XX/XX/XXXXXXXX  XXXX ) that are also hurting my credit and those inquiries need to be removed because they are not mine.
Complaint sub-issue: Account status incorrect

I was dealing with a financial crisis and I got into a bad situation but I made everything right by paying everything off and I was informed by doing so the creditors were going to update the 3 credit Bureau 's to " paid as agreed '' but they haven't yet and its hurting my financial future.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax on XX/XX/2021 about fraudulent information on my credit report and need to remove it immediately. The creditors who are reporting negative information have been using incorrect names as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have provided proof that the use of these names has been used in identity theft.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Disputes have been filed repeatedly through all 3 bureaus but the response is immediate without any investigation. I have been given only 4 chances to dispute this bill and then I have to call the credit bureaus and force them to file another dispute which usually is returned by the next day as " valid. ''
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Debt Collection Company : Alliance One Alliance One repeatedly calls my number looking for my brother. 

I have asked for a C & D multiple times and have informed them that this is the wrong number. They still call. They are trying to reach my brother not me. Isn't this a violation of NPPI? I am not an authorized user on his account.
Complaint sub-issue: Received bad information about my loan

Hi I am a co-signer on XXXX of my daughter 's student loans which is 'managed ' by American Educations Services of XXXX , PA ( XXXX ). Her loan became delinquent and, as a cosigner, they began collection proceedings on the account including phone calls and letters directed toward myself. That is fine, however the problem is they somehow entered an erroneous social security number for me in their system. In order to create an account and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social security number is required. Thus I am in a strange and very unfair predicament where they are taking collection actions against me, including a threat to report the delinquent status to the major credit bureaus, but I have no access to the loan details! As far as I know there are laws against collection activity without full disclosure concerning the debt in question! I 've called multiple times and was told I have to send a photocopy of my social security card in order for them to update their records. They will not simply update it with information provided via phone call despite a lengthy identity verification Q & A - as if, in the age of digital photo editing, an image is any more secure?? So XXXX I sent a photocopy to the email address they provided, but they claim never having received it. Every time I call they place me on hold for XXXX min while 'researching ' the problem. I asked if they could simply supply an email address where I could send the photocopy, while on the phone with them, so I would know if they received it. they indicate for some reason they ca n't receive e-mail directly or something to that effect, and that request too is denied. so here again I 'm placed in an impossible situation! they ask me to send the photocopy to an email address, but refuse to provide me any confirmation they 've received it! Attempts to work with American Educational Services and resolve this problem have proven very time consuming. During that time, the loan status is continually ageing but I do n't have access to the necessary information in order to check the loan status, see when payments are due, for what amount, etc. I 've tried working with them to resolve the issue for approaching two months but the situation still drags on. I do n't have any recourse other than maybe hiring a lawyer but it is financially prohibitive.
Complaint sub-issue: Information belongs to someone else

I have 8 hard inquiries thats I did not authorized XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

According to Title 15USC 1611 PNC Bank did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my  credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I didnt apply for this Best Buy credit card and they were payments in my name was taking out of this account and my checking accounts were taken over by a fraudster and I call Best Buy and told them I didnt applied for the credit card in my name and I ask them to return the payment of {$1500.00} that was made on XX/XX/XXXX back to Citibank and I didnt make this payment and I dispute it with Citibank and it was denied and Citibank NA is putting me in debt over this amount and I will not pay for it ... Best Buy has closed this fraudulent account and continue to send me mail to a vacant address and I had to drive and pick up the letters and I dont live there all and they was credit card send there as well and I didnt apply for it and I want the payments and all the ACH peyments return back
Complaint sub-issue: Account information incorrect

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

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 15 U.S.C 1681c. ( 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. 1681s-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.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX - XXXX  reported that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -Equifax XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX -XXXX  XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the self account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. XXXX, Equifax, and XXXX has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under XXXX different types of account names.
Complaint sub-issue: Received bad information about your loan

I have been aware of the PSLF program since XXXX. I completed a degree through XXXX in XXXX so I could work in the medical field and take advantage of the loan forgiveness program. I have contacted my loan servicer, Nelnet, in XXXX to make repayment arrangements. I was suppose to be on the low income payment program as I was making $ 31k/year. I decided to go back to college in XXXX and completed a XXXX program. I called and spoke with a Nelnet representative concerned about repaying my previous loan and they informed me that my loans automatically go into deferment because I'm in school and that I wouldn't have to worry about paying while in school but didn't inform me that I could still have my previous loan under low income so payments will count towards loan forgiveness. In XXXX I called Nelnet to make a lump sum payment of $ 7k towards my loan XXXX. The representative suggested that I consolidate my loan but omitted to mention that consolidating my would would restart my old loan from XXXX again and I would miss 7 years of repayment! I called Nelnet again in XXXX to discuss what I needed to do do to apply for loan forgiveness as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rep told me that I was never put on that program and that I would have to start all over again in loan payments!!!! They have charged me an additional $ 10K in interest towards my loan and no resolve to this! I'm still to this day unable to get them to help me and put me on the correct repayment plan! Their customer service is useless and they do not care about the borrower.
Complaint sub-issue: Their investigation did not fix an error on your report

I had set up a payment plan with Discover card due to a financial hardship. They were auto drafting {$200.00} a month from my bank account for the last 2+ years. In XX/XX/2021, they did not withdrawal the money despite their being sufficient funds in the account and then reported it as a late payment to the credit bureaus. When I contacted them to have it resolved they claimed I had been making the payments to them and they were not automatically withdrawing. This is completely false and has now adversely affected my credit. I paid the balance and closed my account so it does not happed again, however I have no recourse to correct my credit.