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

My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them EQUIFAX XXXX XXXX & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted equifax XXXX  & XXXX  only XXXX  removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XXXX   just got over i paid them for 2 years score worst then they removed items only there back on there
Complaint sub-issue: Reporting company used your report improperly

I try dispute with all 3 Bureus a chapter 13 also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Complaint sub-issue: Information belongs to someone else

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the Equifax breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2021 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}
Complaint sub-issue: Received bad information about your loan

In XXXX of XXXX, I called after my account was transferred to Mohela from XXXX. I was checking on whether all the documents had been transferred and if my loan forgiveness form was being processed. As I had one employer who would not sign the form for forgiveness I asked what paperwork I could submit to prove that I did work for the XXXX XXXX XXXX and that they were a qualifying employer. This is on the XXXX of XXXX. I was told that I a copy of my W2 's would suffice as proof of employment. The person I spoke with also checked with her supervisor to ensure that she was correct. I believe her name was XXXX. She confirmed that I would need to submit the W2 's for the years I worked for XXXX. I submitted the IRS W2 wage statement for these years. I also requested the payments I made during the covid pause be returned to me. I called again in XXXX around the XXXX to double-check that the document was received and that it would be enough for the forgiveness to be completed as XXXX was my 120 payment. I was told it was fine but the person who reviewed my account in XXXX did not review the IRS document and therefore I was only given a payment count of 80 months. She said she would resubmit the documents with a note on my account to ensure that the IRS form was looked at and it would take 60-90 days. I spoke with XXXX on the chat box today ( XX/XX/XXXX ) to ensure that my IRS document was being reviewed as I was near the end of the 90-day wait period. She informed me that this document would not count for forgiveness and that my request for forgiveness after 120 payments would not happen. I asked to speak with a supervisor and she gave me a phone number. I called the number after I was done speaking with XXXX and was informed after XXXX mins of them reviewing my account that this form was not correct and that I needed to submit paystubs from XXXX XXXX XXXX Having not worked for the XXXX XXXX XXXX for almost six years I no longer have access to the paystubs which were provided electronically at that time. I have been misinformed on multiple occasions by several people every time I speak to someone at Mohela. I have emailed the XXXX XXXX XXXX to get access to the paystubs from this time if they are available. I have received an email from XXXX payroll stating that the paystubs are not available but was told they will print a cumulative payroll report which will have the same information as the paystubs. I do not know if this will be accepted by Mohela as I was told today ( XX/XX/XXXX ) that only the paystubs from this time period will be accepted. I have done everything that was asked of me by this company and they not providing me with the correct information or any alternatives if I can not access my paystubs. My IRS document providing my W2 information from these years should be accepted as proof of employment.
Complaint sub-issue: Their investigation did not fix an error on your report

Addresses. : XX/XX/XXXX Equifax sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes Equifax 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a Equifax, XXXX, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. :  Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by Equifax as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
Complaint sub-issue: Personal information incorrect

I have submitted multiple disputes by mail, phone and via the Equifax website. I have received at least 6 responses which are attached saying these invalid addresses have been deleted from my credit report but they have never been which is in violation of the fair credit reporting act. When I called i was told they must have been reported again but since theyre invalid addresses they shouldnt be reported by anyone and since its on there immediately as the results were received obviously they were never deleted. The addresses to remove are XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. The following are the most recent confirmation numbers of results stating they have been deleted but still appear : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019
Complaint sub-issue: Attempted to collect wrong amount

I filed a claim with Conns Home Plus back in XX/XX/XXXX for my insurance to be kicked in due to me being unemployed. They stated if I made the payment of {$120.00} the insurance company would kick in and pay the rest. I did just that and I noticed in XX/XX/XXXX that my account was seriously delinquent. The insurance I purchased never kicked in to pick the payments. I had been battling this for over a year. They stated that they never received my documents but they received the payment. They agreed to settle the account at {$900.00} then went back on the agreement then wanted {$1300.00}. The insurance made 1 payment of {$120.00} on XX/XX/XXXX. However my account has shown delinquent since XX/XX/XXXX. Its still affecting my account and on XX/XX/XXXX almost 2 years from initially applying they illegally pulled my credit again without my consent to do so. They have told me numerous of times this account would be deleted off my credit report and cleared through their insurance. This has not happened and is ruining my life. I need help in getting this resolved.
Complaint sub-issue: Debt is not yours

Hello, MY NAME IS XXXX XXXX XXXX. Upon reviewing my credit report I realized that IC SYSTEMS is being reported as a closed/charged off account in the amount of {$980.00}. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from IC SYSTEMS. This is a violation of 15 USC 1681eb. I NEVER GAVE PERMISSION FOR MY PERSONAL INFO TO BE SOLD TO ANY COMPANIES. I DO NOT HAVE ANY CONTRACTS WITH IC SYSTEMS, WITH MY SIGNATURE ON IT. IC SYSTEMS SHOULD NOT BE REPORTING ANYTHING ON ME TO THE BUREAUS.THIS IS IDENTITY THEFT. I demand that this inaccurate information be removed from all 3 credit reports.
Complaint sub-issue: Transaction was not authorized

Key Bank Perpetuating a Fraud. 

On XX/XX/XXXX, I wrote two checks to pay for a title search to obtain a mortgage from what I thought was XXXX XXXX XXXX, under the name of XXXX XXXX XXXX, which I had found was bought out by XXXX  XXXX XXXX. 

As it turned out, this was a loan scam, and the person who cashed the checks was not a mortgage loan officer or worked for any bank. He was able to cash the two checks made out to XXXX XXXX XXXX with a fake stamp and a fake signature through Key Bank, which has stonewalled me with regards to my claim, stating that only my bank has the right to put in the claim. XXXX XXXX which is my bank has reviewed the checks and the agents from the Fraud Department at XXXX have determined that the signature is fake because this should have gone in as a deposit into the Key Bank account holder 's account, which by the stamps on the back was not put through as a deposit. 

At the time as I saw the checks being cashed out, there was only supposed to be one check for the amount of {$1700.00} and two checks were cashed as seen from my online bank account. The checks were written on XX/XX/XXXX and the money was withdrawn from my account on XX/XX/XXXX. I immediately contacted my Bank which is XXXX XXXX, and told them to put a stop payment on both checks on XX/XX/XXXX. XXXX XXXX refused. 

I then put in a Fraud Claim, which was initially denied, by XXXX XXXX as I wrote the checks. The agent at XXXX XXXX never told me that both my signature and the person who cashed the check 's signatures must be valid and not forged. The person who cashed these checks was not the intended recipient and therefore forged their name onto the checks to commit mortgage fraud. 

I found that there is evidence Key Bank, has been perpetuating a Fraud even before I became a victim. The State of Washington has issued a Fraud Alert, which I am attaching to this complaint. Key Bank as denied my claim with the reference number XXXX, even though they have been provided an affidavit of fraud. Furthermore, they had refused to disclose the person, whose account this was cashed against. 

Since the payments were mailed, this is also mail fraud and XXXX XXXX XXXX   stated that they were a direct mortgage lender, who refinance the original mortgage on behalf of my brother and myself at the mortgage rate of 2.99 percent and lower the payments from XXXX a month to XXXX. 

I already provided a notarized affidavit of forgery, which I signed and is attached to this complaint. 

Key bank is now refusing to refund the checks mentioned above, on the grounds that they need an affidavit of forgery from XXXX XXXX XXXX, is a fake company and signed with fake signatures. 

Therefore Key Bank is perpetuating a Fraud, by not disclosing the person who cashed the checks, knowing that they are liable for the damages or possibly closing that account knowing that it is being used to perpetuate a fraud. The bank is also refusing to disclose any information, as to who cashed the checks and therefore are perpetuating this fraud. 

Thank you for your time and assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am requesting of you to remove or correct the following accounts reporting erroneous information on my Credit File : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$79.00} XXXX I require you to send me copies of proof of verification or any documents that resulted from your investigation. Failure to submit such documents, I will assume that you did not conducted any investigation at all and will be filing a lawsuit. So please comply with the law.
Complaint sub-issue: Account status incorrect

The late payments reporting on the accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I submitted a Validation Request to XXXX, Equifax and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Complaint sub-issue: Investigation took more than 30 days

The credit reporting agencies are reporting inaccuracies and have not responded to my letters in which they are required to in 30 days by FCRA laws.
Complaint sub-issue: Credit denial

I received a letter from XXXX XXXX stating I was denied a loan in part due to a XXXX credit score from XXXX XXXX. After some research, I have found this company to be fraudulent and exists to allow banks to charge a higher percentage due to a low score. This is not a credited agency and should not be included when trying to obtain a new loan.
Complaint sub-issue: Billing problem

I am currently a customer with a car loan through Ally financial and it cant complain enough about the terrible customer service with this company. I went into my account to change my credit card information due to changing banks and after applying my new card Information they locked me out of my account. So I called and they told me to try logging back in in about 5-7 days ( ok no problem ) after 7 days I try to log back in and still locked out so I called once again to see what the deal with and I get the same answer over and over again so I ended up having to pay my payment thru XXXX XXXX so I wouldnt get penalized. So the following month came along and STILL locked out of my account. Still no answer, still not one person tried to help me get into my account to pay my payment so once again I had to do XXXX XXXX and today I am once again in the same boat and I REFUSE TO KEEP USING XXXX XXXX. Im a very unhappy customer with Ally bank I have been a customer for about 1 year 1/2 and never once had a missed or late payment. I just dont get it. I need answers.
Complaint sub-issue: Threatened to sue you for very old debt

I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with citibank. XXXX, XXXX works with " XXXX '' Law group as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, Equifax, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't temporarily postpone payments

I am currently enrolled in Discover Student Loan system. 
When I signed up, I was aware that I have grace period of 6 months after estimated graduating ( to find a job to start repayment ). However, As soon as 1 year mark ( which I was enrolled in school, when I did n't have to pay back ), I got a notification from XXXX, collector saying my first bill was due this month. I have n't finished my degree, therefore, I 'm still a XXXX student, and I can barely get my ends meet. And couple days ago, I heard that Discover was fined and as I was reading through, I found that I have to contact CFPB.
Complaint sub-issue: Account status incorrect

I filed a complaint against experience with your organization. XXXX  had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. XXXX reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. XXXX  also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Complaint sub-issue: Problem getting my free annual report

I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
Complaint sub-issue: Their investigation did not fix an error on your report

The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.