Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consum
er contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Complaint sub-issue: Information belongs to someone else

I been sending numerous letters to equifax credit bureau. And each time they give me different things to do .. one representive gave me a fake name and said that it was protocol .Im fighting to remove fraudulent information from my credit and customer service personnel if basically giving me fraud information .. this is why I cant get anyone to help me. I will also seek legal counseling about this situation so it doesnt happen to anyone else.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Received bad information about your loan

After XX/XX/XXXX and around XX/XX/XXXX my University of XXXX student loan I had closed and disputed in XX/XX/XXXX was finally removed and no longer owed that a third party collection called Nelnet picked up my personal identity account information over a few months after XX/XX/XXXX and started harassing me worst than the scam lottery sweepstakes was doing to me and so I agreed to work out with Nelnet why the College I took less than a month of online courses with was not updating I changed and updated my balance to a whole different College not listed around them called XXXX University in florida to keep me from owing and having any withdraws for the one month online schooling I was paid for and the College grant funding was returned back to University of XXXX I borrowed that caused Nelnet to report I receive other funding from their education funding and I only took out the one student loan that was on my credit bureau and Nelnet reported to both credit bureaus I owe them my student loan debt after my student loan was reported paid off Nelnet was reported by the BBB and now their Supervisor is saying hire a lawyer because it was verified with their advisors I owed it from the University of XXXX billing me and their Admission and financial aid records explained even after 180 days it was no longer owed and nothing on file after seven years to keep being billed for. The University of XXXX contacted Nelnet about me not owing the student loan after Nelnet said I owed the University thats why they keep billing me and to recertify the student loan for over 15 years for it to be removed and I was only given borrower defense repayment program emailed XX/XX/XXXX from Nelnet fraud department after being scammed this student loan debt account and I uploaded this screenshot that my student loan was borrowed and paid in full with University of XXXX already after Nelnet keep providing signed documents of me borrowing and withdraw check and one month schooling online I received from University of XXXX XXXX in charge of that department had XXXX the advisor with Nelnet update my bill was never in collection and being paid to Nelnet and so Nelnet supervisor explained have a lawyer remove it by now and I would like this fraudulent student loan XXXX account with Nelnet deleted their making statements for the University of XXXX by updated changes to the credit bureau and the screenshot shows that my student loan I opened a account with one was canceled the other one paid in full with XXXX XXXX XXXX and updated like that from XX/XX/XXXX-XX/XX/XXXX as paid off and removed. I never signed and took out a personal student loan just mailed out deposit money orders for those kind and Nelnet scammed this one to me and I am filing this complaint to have them remove my identity and account information from their records the University of XXXX verified nothing was owed to Nelnet in XX/XX/XXXX I am being billed by a Nelnet company and told to hire a lawyer to have this student loan account removed that Nelnet have a billing account for me on in XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that XXXX, EQUIFAX and XXXX eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.
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
Complaint sub-issue: Other problem getting your report or credit score

Having issues with Equifax. They are reporting my credit score XXXX points below XXXX and XXXX. I can't log on to the website to get my current score ( myequifax ) because it is down and has been down for several days. I called them to get information and all they could tell me is its not as low as reported but they could not tell me the score. They said keep trying the website but it has been down for almost a week. I can't see my score or file any disputes because they have me locked out. They are holding my credit ransom and there is nothing I can do about it. This has to be criminial!
Complaint sub-issue: Information is not mine

Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XX/XX/XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge.
Complaint sub-issue: Account information incorrect

I have two credit cards with Citibank. A Shop Your Way Card and a Citi Diamond PReferred card. 

My credit limit on my Shop Your Way card was {$3500.00}. On XX/XX/XXXX I made a payment of {$2000.00} to Citibank because I am trying to pay down my debt so that I can improve my credit score. I have never been late with my payments for this card. On or abut XX/XX/XXXX, Citibank lowered my limit on this card by {$2000.00}. This in turn has made it appear as though I am using almost all of my credit line. This also has had a negative effect in my credit score. I have since made the following payments to Citibank for this card - XX/XX/XXXX - {$200.00} - XXXX - {$500.00} - XXXX - {$300.00} Regarding my Citibank PReferred card. The limit on this card was {$5400.00}. I have been making consistent payments on this card even though I am not working and worked to get this balance from about {$5300.00} down to {$4300.00} between the beginning of XXXX and now. On XX/XX/XXXX Citibank lowered the limit on this card to {$4500.00}, again making it appear that I am using almost all of my credit line. They are indicating that they are using information in my Credit Report, but they are the ones who are causing my credit score to suffer because of these drastic reductions in my credit limit.

I would like for CItibank to remedy this situation so that I can continue to improve my credit score. They are intentionally hurting my ability to improve my credit rating.

I believe they are also using the fact that I informed them that I was impacted by COVID 19 as a reason to lower my credit limits when in fact I have not missed any payments with them.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1861 section 602 A states the right to privacy.

15 U.S.C 1861 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without written instructions.
Complaint sub-issue: Need information about your loan balance or loan terms

I have called Sallie Mae a number of times to help work with me on payments I can afford. I sent them payments, but they don't cover the minimum payment they want. Now, they tell me I don't have online access to my account because my online priviledges were revoked. They won't let me see any of my information that is connected to it. Even if they won't accept a payment less than the minimum, I should still be able to see information about my loan.
Complaint sub-issue: Problem with fees

Went to XXXX 's location at XXXX XXXX last XX/XX/XXXX - Was looking for XXXX but got lost - Was looking for a cheap food-processor - Effectively found one on a table with a sign " ON SALE " for {$36.00} - Asked a clerk from another department if the price was right and she said " Yes " - Then she asked me if I wanted to sign up for a membership card? I said yes! She told me that I 'd receive a letter home in few weeks - She never told me that it was a credit card from XXXX 's ... I paid the item with my debit card and few weeks later I receive a bill - Never received any physical card - Wrote XXXX 's last month telling them about the issue - Called a XXXX number but it did not work - Then last week after a XXXX number called me I called back then a gentleman was explaining to me that I can ask for a new card or have an Ecard sent to me - I told him I 'm not working right now, how in the world I 'd get involved in debts? It does not make sense - I do not need XXXX 's credit card - Then he suggested me to inquire about my rights which I did asking my bank for help - They suggested me to file a complaint and then I searched your number guys - Do not know the difference between the Account number and the Card number - Never received any card number
Complaint sub-issue: Information belongs to someone else

The account for XXXX is fraud. I have contacted them with a cfpb and an ftc complaint with an affidavit showing this is fraud. They refuse to remove.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Frequent or repeated calls

Calling frequently, told that they know my Social Security ID
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ;
Complaint sub-issue: Information belongs to someone else

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : XXXX  ; XXXX XXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXXThis is what is mentioned on the investigation report ( this response does not define / comply according to the law as to what they call 'Results'- this is rather a statement from Equifax and not a validation as requested by me. 

They have also asked that I notify the data furnisher 'USBK Court XXXX   Florida ' as well. I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX  Florida ' as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX  Florida ' asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.
Complaint sub-issue: Account information incorrect

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.
Complaint sub-issue: Reporting company used your report improperly

I submitted 2 CFPB reports against Equifax Credit bureau and they responded and closed 1. Part of their response is as follows " XXXX : XXXX. XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. The problem with is this was done through identity theft. 15 USC 1681 B states these agencies can only report " In accordance with the written instructions of the consumer to whom it relates '' I GAVE NO SUCH INSTRUCTION. I DID NOT SHARE MY INFORMATION WITH XXXX XXXX XXXX. THEY OBTAINED THIS INFORMATION THROUGH IDENTITY THEFT. ANY COMPANIES VIOLATED THE PRIVACY ACT OF 1974 BY SHARING MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER WITH SAID COMPANIES. 15 USC 1681c2 - Block of information resulting from identity theft states they must remove it in 4 days. PLEASE MAKE SURE TO REVIEW ALL LAWS. THE NEXT ACTION WILL BE IN THE COURT ROOM.
Complaint sub-issue: Can't get other flexible options for repaying your loan

AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job. 

I would like to avoid being sent to collections, so an option to help until I find work would be nice.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXl XXXX XX/XX/XXXXXXXX XXXX  Report Number : XXXX