Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXXXXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.
Complaint sub-issue: Investigation took more than 30 days

filed complaint against Equifax XX/XX/2020 with CFPB # XXXX. Equifax acknowledged interim receipt of this complaint on XX/XX/2020 but failed to pursue action.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear sirs, I reported these problems with Equifax on two different times. On XXXX XXXX and XXXX XXXX, XXXX. I showed that 1 ) the account is showing both closed and in collections. It also read opened when it was in collections. I showed that 2 ) information was missing things like Months reviewed, Terms Frequency, Account type, Date of last activity and Sold To. 3 ) This account was sold to a collection company yet it is not on this report. 4 ) I even questioned the balance because it seemed unrealistic for a cell phone. The only thig that was done was that the accounts wsa updated. Many of the mistakes are still on the report.I have reason to believe that this will change from my pointing these issues. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have recently reviewed my credit report and noticed some unauthorized accounts on my Consumer Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the credit bureau when i noticed i had several inquries that didnt belong to me .I called. They told me to notify in writting. i did so and all they said is they sad was send my id card and a bill with my address which was not true. my info is on the dark web i sent them the info. im contacting again because i just recieved inquiry on my credit and called and they did same thing. 

please help
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX
Complaint sub-issue: Account information incorrect

The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Dater XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Information is not mine

I have disputed the information XXXX times with Equifax. They refuse to XXXX and XXXX XXXX XXXX off my credit report. These accounts werecharged by IDENTITY THEFT. I have provided my ID theft paperwork with XXXX credit reporting agencies. XXXXXXXX and XXXX have removed the info.
Complaint sub-issue: Account status incorrect

On or about beginning of XXXX.- XXXX i had apply for a credit card ( XXXX XXXX XXXX ). it was turn down because of the credit score that Equfax had sent them ( XXXX ). i had called Equfax about it and they said they did not tell XXXX  XXXX that, dated XX/XX/2020 from source : equfax consumer relations. I have an Equfax credit score of XXXX on line from Equfax. i had filed a dispute with equfax on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to XXXX  XXXX with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX again by Equfax info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX
Complaint sub-issue: Account status incorrect

CITI bank forcing paperless billing without consent. 
Did not get a paper bill for XXXX then again XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XXXX statement then paid {$39.00} fee {$31.00} interest XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and Citi need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent
Complaint sub-issue: Received bad information about your loan

XXXX XXXX took over my loans in XXXX, and I have completed all required forms for the XXXX XXXX loan forgiveness program, as well as paid under the income based repayment plan. Im XXXX of XXXX I requested that my account accurately reflect all payments made towards the XXXX payments, which would include all payments made from prior lenders as well. There are XXXX payments under review, despite having been made under the above stated terms with other lenders, prior to being absorbed by XXXX XXXX. My forgiveness date is therefore 18 months behind, and while that may not seem like to many, thats a lot of money I paid on a XXXX XXXX  salary without acknowledgment. Id like my account to be up to date. I have kept my promise to make payments on time and under the proper plan that allows for loan forgiveness so I ask they do the same. The payments made prior to XXXX XXXX taking over counted and should have translated at the time the Loans were bought by their company. They will not give me copies of my email requests or copies of the payments under review.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2019 received an alert about a collection account being placed on my XXXX  credit report. I checked it and noticed that there is a collection account from the company Afni for XXXX stating that it was opened on XX/XX/2019. I had already filed a police report and fraud report with the FTC. This is a strong case of identity theft. I had this problem before with this company and informed them of the problem. This is not my account.
Complaint sub-issue: Problem during payment process

Sent 2 money order 's to pay my bill and on time Macy 's cash the money order 's and NEVER GAVE CREDIT TO MY ACCOUNT. I HAD TO MAKE AN EXTRA PAYMENT SO MY BILL WOULD NOT BE LATE ON THE XXXX OF XXXX THEN I PAID {$30.00} TO HAVE THE MONEY ORDER 'S REVIEWED TO SHOW TO WHOM.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  reporting address XXXX XXXX XXXX, TX XXXX, an address I never lived at 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 an account without my written instructions.
Complaint sub-issue: Information is not mine

XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report
Complaint sub-issue: Charged too much interest

Due to different accounts with different interest rates, I know that lower rates are available. The customer service rep insisted that I have the lowest rate, which is a lie.
Complaint sub-issue: Overdrafts and overdraft fees

A deposit was made in the amount of {$40.00} into a business checking account to cover past expenses of a - {$12.00} at XXXX XXXX XX/XX/21. Receipt states that any deposit after XXXX XXXX  the same day will be reflected as available the next business day. Available balance received and shown as current : {$27.00} XX/XX/21. A notification was sent to the account 's Message Center inbox at XXXX XXXX  PST XX/XX/21 stating that an overdraft fee was applied for an overdrawn balance in the amount of - {$12.00}. An email was received from XXXX at XXXX XXXX  PST XX/XX/21 notifying a message was sent to the account 's Message Center inbox. A call was placed to customer service at XXXX XXXX XXXX  PST XX/XX/21 to file discrepancy. Was informed that even though funds were deposited and shown as available the next business day a true reflection does not apply until after close the next business day. When asked if it was possible to remove the overdraft fee the customer service representative stated that only 1 overdraft removal is allotted and had already been used.
Complaint sub-issue: Account information incorrect

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX  XXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Complaint sub-issue: Reporting company used your report improperly

Equifax was recently hacked and my personal information might have been affected. Their attempt to resolve this is fraud protection for only one year.
Complaint sub-issue: Old information reappears or never goes away

The statute of limitations on collections is 5yrs in NY . I confirmed with a credit law firm that if you move to a different state the statute remains with the state where the debt occurred. 
Equifax has not only argued this but made it evident they can change rules at their discretion. 
I am requesting the CFPB investigate and force Equifax to follow the statute of limitations provided.
Complaint sub-issue: Information is not mine

XXXX added a mortgage on my credit report that belongs to my mom. I have provided the proof necessary to remove this off my credit and Equifax failed to read and correct the information. 
The mortgage was originally with XXXX, and XXXX confirmed my name was not on the mortgage, The attached documents clearly prove that my name was released from liability of this loan. Please have equifax remove this information from my credit report asap or i will file a claim to sue them. this is my 3rd request to equifax. 
thank you.
Complaint sub-issue: Don't agree with fees charged

Graduated in XXXX and XXXX in about XXXX for a total of XXXX in student loans. Paid on the loan on-time for years and after a divorce in XXXX started having financial difficulties eventually filing for bankruptcy in XXXX. Loan Balance ballooned with fees to current balance of {$52000.00}! I am ready, able and willing to pay pay my student loan obligation - but I just stare in bewilderment how the balance has gotten XXXX higher & gt ; while paying XXXX in payments. Up until about 5 months ago - I had been paying back applying extra to each loan payment - like {$100.00} to start getting caught up ... then I got a little behind in payments ... but I want to attach my current statement showing the original balance, the current balance and the breakdown of my payments. In round numbers you will see payments of about XXXX ( half my original balance ) - but almost XXXX has been applied to interest - not principal ... so in XXXX in payments - only XXXX has been chipped away - and that 's with paying extra ... there is simply no path to paying off this loan ... but I will try IF these numbers are correct ... can someone investigate to confirm these numbers? They seem so unfair ... 

( XXXX UNIVERSITY is the institution )
Complaint sub-issue: Their investigation did not fix an error on your report

My credit score dropped and when I figured out what it was it was because of the loans but Im not in default
Complaint sub-issue: Debt was result of identity theft

I am writing this due to non-compliance with the ( XXXX XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Called after sent written cease of comm

I was contacted by Hunter Warfield for the first time on XXXX XXXX, 2016 in regards to a debt they say I owe. I am disputing this debt and sent two letters, one on XXXX XXXX and the second letter on XXXX XXXX, requesting information regarding this debt I do not believe that I owe. The second letter also included a request to cease all phone communication and only contact me via mail. I sent both these letters via certified mail, so I do know that Hunter Warfield received both letters. I was called on XXXX XXXX AND again on XXXX XXXX, asking why I have not paid my debt AFTER requesting that all phone communication cease.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND IS STILL REPORTING AS A DEROGATORY. CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT REMOVE AS SOON AS POSSIBLE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXXL -- NOT MINE XXXX   XXXX XXXX -- NOT MINE EQUIFAX   MORTGAGE SERVICE -- NOT MINE XXXX XXXX OF -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX | XXXX XXXX XXXX. XXXX XXXX XXXX. | EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES | EQUIFAX MORTGAGE XXXX EQUIFAX MORTGAGE SERVICES | 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
Complaint sub-issue: Information belongs to someone else

Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.
Complaint sub-issue: Debt is not yours

This company AFNI inc. has been harassing me about money they say i owe them. I have never done business with then or the company they represent. I disputed it with all of the credit bureaus. They removed it every time. This company has been sent multiple cease and desist orders via mail, email, and fax. They continue to harass me and provide no proof of anything. They also continue to report to the credit bureaus even though every time its invalid and it gets removed. If it continues i will be taking legal action against this horrid company.
Complaint sub-issue: Card opened as result of identity theft or fraud

I keep trying to call this company to dispute a charge from XXXX and they wont answer for me.
Complaint sub-issue: Problem making or receiving payments

There were times my card wasnt read correctly, deposits didnt go through at regular times
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXX XXXX XXXX Account, XXXX Account XXXX 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: Public record

The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EMPLOYER : SELF EMPLOYED Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX