Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Due to the security breach at Equifax and the amount of accounts that they have admitted have been compromised, it is mathematically guaranteed that my credit report history has been stolen. I feel that Equifax did not properly secure important information pertaining to my financial well being and also did not attempt to contact me about the security breach despite obviously having all of my information. In an attempt to secure myself against identity theft which I am currently assuming will happen, I have requested my credit reports from each credit reporting company before placing a freeze on my credit. I have not been successful in getting any report from either of the three companies ( Equifax, XXXX  and XXXX ). None of these companies have taken steps to further secure my financial security but rather have tried to ply me with further services that cost an additional amount including trying to charge me to place a credit freeze on my account without a police report.
Complaint sub-issue: Was not notified of investigation status or results

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. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Credit Inquiry : XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Received bad information about your loan

Hi, I have direct loans. I am trying to get the Public Service Loan Forgiveness. I consolidated my staffords into a direct loan in XXXX in order to qualify. I have been on the ibr plan and most recently repaye plan the entire time. I've been making timely payments the entire time. So, next year should be around my 120 months ' of payments. I've only worked for 2 employers, all fulltime, during this time, a XXXX XXXX   's Office and the California XXXX XXXX XXXX. I submitted my form for the XXXX 's  office for XXXX and CA XXXX from XXXX. Both were certified as qualifying employers. Nonetheless, my statement shows only 30!!!!! qualifying payments. I have emailed and emailed. All they say is the standard : we will review your account for qualifying payments and update the number. They have never updated the number or provided any information about the payments that they have not counted as qualifying. I've asked for that review and that information so I can backtrack through my accounts to find proof of payments or whatever it is that I need to resolve this issue. Whenever I email about it, they just send the same response again, as if I have not been emailing for the last 2 years about the same thing. There is no accountability and no standards for XXXX 's servicing of these loans or how quickly and accurately they calculate qualifying payments. Finally, I do believe that the problem stems from the time that my loans were serviced by XXXX XXXX before they were transferred to XXXX XXXX and that perhaps those records from XXXX XXXX are not complete or have not been reviewed. 
Second thing, they have now twice put my loans in forbearance without my request. I called about that too, and they claim that it is for my benefit. I've explained that it is not, as interest continues to accrue and the payments that I make during that time do not count as qualifying payments. The first time they put my loans in forbearance, I did not make the payment since it would not count. Then, I complained about it and they reversed it after the payment was well past due. So, when I paid, it was after the 15 days. So, this last time ( XX/XX/XXXX ), they did it again. I paid anyway, but I'm sure that payment will not count as a qualifying payment either.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Case Number:XXXX Merchant Name : XXXX XXXX XXXX XXXX Tx Dispute Amount : {$420.00} XX/XX/2018 I ordered this mattress foundation on XX/XX/2018 and cancelled on same day and received confirmation that the refund would be processed. Did not show up on my discover statement. I sent them a dispute and the merchant sent them a delivery but I never received it as I had cancelled it and signature presented was not mine. I never received any merchandise and I cancelled it. I am not sure who they delivered to or who partakes in this but it wasnt me. I have no merchandise. Please assist in getting the credit. Discover card refuses to assist and as far as I am concerned it is fraud I never partakes in any merchandise after cancellation. this is fraud and unacceptable. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Reinserted previously deleted info

XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.
Complaint sub-issue: Problem during payment process

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 Dear XXXX, I went to Best Buy on XX/XX/XXXX to pay the balance on my account. The clerk told me the balance was {$150.00} so I tell him that I want to pay {$100.00}. He typed something in the machine, I paid, and the next day I noticed in my bank account that they charged me {$600.00}. 
I went to the store again to ask what happened and the employee tells me that I had told him that I wanted to pay {$600.00}. I asked him why would I want to pay {$600.00} if I have a balance of {$150.00}, it has no logic. For this same reason I asked why he wouldnt have questioned me if he heard me say {$600.00} when the balance was much lower. I asked to speak to the manager and they told me to speak to XXXX Bank, which is the financial part of best buy and that they were going to return the difference. This overcharge caused me to have to borrow money from my son to pay rent and other bills. 
When I called XXXX they told me that even though they knew it was a mistake they would refund my money and it would take 5 to 8 days. I called after 5 days and they gave me another answer, that the matter would go to a dispute, and only after that the money would be returned to me. 
On two occasions when I called to ask for my money back, the customer service people hung up on me while I was talking to them. I began one of these calls by asking for the name of the employee in case I got cut off, and the representative said that he was going to make an electronic transfer and that he needed my account and routing numbers of my account. Unfortunately I did not have the routing with me and the transfer could not be made at this point ; by this point I had already spent 2 weeks waiting. 
I called the next day with all the information for the transfer. I gave this info to the person attending me and they told me that they were going to make the transfer. I waited a few days, nothing happened, I called again and they told me that they were going to send me a check that was going to take 5 to 8 days.

The check never arrived, I called again, they lied to me again saying that I never gave them my account number for the transfer and that they would send me a check by mail that would take 10 days. After 10 days I called again and they said I have to wait 10 more days. This happened two additional times. This started on XX/XX/XXXX, and still to this day I dont have my money back. 
They have disrespected me, they have humiliated me, they have abused me because as long as they have my money they have the power to do whatever they want with me and not solve anything. Until they feel like it, I am under their control. I only want what is fair, I just want my money back. This situation is very stressful. I have not been able to return the money my son loaned me, and he is demanding that money back from me. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

open road lending refinance company. when i first looked at XXXX XXXX list of refinance and information. open road starting calling me about my loan for personal or refinance auto. i told them no i do not want their services and their apr is above 200 %. that is not for me. 
i started to get phone calls over several times a day about 2 months ago and told them stop calling me and stop looking into my credit. i do not want anything from open road, especially after i spoke with a representative and she told me i qualify for their loan of XXXX i told no i did not request for that if anything i looked into other options XXXX XXXX offered and just use the estimate calculator for a XXXX loan. she said okay we can do that at above 200 % apr i said no do not use my profile and stop calling me i do want your services also stop running my refinance of auto i already was approved back in XXXX - XXXX 2021XXXX as of today i got another hard hit on my auto history credit report all three major and still still being denied by the same company open road lending refinance application number as of today XXXX XX/XX/XXXX2021 i did not request for anyone process any loan auto. i want every and each of auto credit companies that continue to deny my auto refinance to remove from my credit history especially from open road lending refinance company. Also a male customer service rep was calling me over and over for me to agree on any loan i told him to stop stop calling me or i will report you and the company to cfpb. so again if i refuse the loan by phone which i have several times. now i am getting too many hits on my credit history on each major credit bureau and derogatory credit factors : i am not late and i do not have any collection and at this moment my credit history is ruin with too many repeating denials also from credit card companies. i keep getting notices and i know for a fact. i did not apply for the letters that i keep getting recently. i believe my personal profile is and has been tarnish and because i continue to say NO! i do not want any credit or loans or anyone calling me I have notice a duplicate, triplicate trending of my credit being hit hard inquires. how can cfpb help my credit history. please this is too much
Complaint sub-issue: Account status incorrect

I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.

I demand the accounts listed below remove because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/20 I received a letter from Citibank telling me that I have opened a checking and savings account. I have never opened a checking or savings account with them and I only hold a credit card account with Citibank. 
I immediately called them to report it and was told that they will investigate the issue. 
I still have not received any updates as to why the account was still open and active. I even got the debit card and the checks in the mail. I called XXXX to let them know that I got those items and that the accounts are fraud and I wanted it closed.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account. 
ERC Keep re-again this account, this is also affecting my credit score. 

Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Complaint sub-issue: Debt is not yours

CFPB + ERC, In a recent check of my mail I see there is a collection account from ERC saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have been sending in the proper paper work to all three credit reporting agencies, the agencies refuse to verify my debit with any original signed agree with me and companies in question. I also have been a victim of identity theft. I would like my report to be correctly reported.
Complaint sub-issue: Was not notified of investigation status or results

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I was incarcerated from XX/XX/2021 to XX/XX/2021. While I was incarcerated someone accessed my direct express account and spent {$1300.00} of my money. When I was released I filed a dispute on all the charges that occurred while I was incarcerated. I provided direct express with my detailed release report ( which stated the day I went in and the day I was released from jail ), a police report, and my personal statement. They denied my original claim and are now giving me the run around with escalated claims. Stating that because the people used my card at places that I normally used it that it basically made it ok. They are refusing to give my money back even with the proof I have given then that I was incarcerated when the charges were done. The people that done this used the direct express app that was on my phone and reported my card lost and ordered a new one. When I filed the original dispute direct express did issue me a new card. That is all they have done however.
Complaint sub-issue: Information belongs to someone else

It seems this account is from XXXX. I have never opened nor applied for anything thing with this company. I've tried to dispute with this company on several occasional letting them know I don't owe them for an account that don't belongs to me. I have even called this company several times but never able to get a hold to anyone, the phone disconnect after it ask to enter your phone. I have never applied nor received anything from this company. For years this company has been reporting {$310.00} to Equifax, {$170.00} to XXXX, and possible unknown amount to XXXX.
Complaint sub-issue: Information is not mine

Equifax is reporting a judgement on my account that does not belong to me case number is XXXX. I 've enclosed the case information. 
1 ) I 'm not the defendant that 's being sued
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX I placed a bill pay request with PNC bank to be sent to a credit union to pay off a loan. There was a specific amount required for the date selected. Their website shows " Check # XXXX from your CHECKING XXXX account was mailed to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Funds for this payment will be withdrawn from your account when XXXXXXXX XXXX XXXX cashes the check. '' I check with the XXXX XXXX and that have no record of the transfer. I call PNC get hung up on 2 times and then was informed the money was not sent until today XX/XX/XXXX. I point out that was not what I ordered nor what their website stated and the loan payoff increases with each passing day. They customer service rep just kept saying it was not sent until today.
Complaint sub-issue: Received bad information about your loan

This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.
Complaint sub-issue: Debt is not yours

For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.