Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It's been so agitating waiting for Equifax 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft  has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.
Complaint sub-issue: Problem accessing account

PNC will not link to a XXXX act.
Complaint sub-issue: Account information incorrect

XXXX XXXX CC > XXXX Credit Card # XXXX The limit is {$10000.00} not {$5000.00}
Complaint sub-issue: Can't decrease my monthly payments

When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the XXXXa please look into this matter
Complaint sub-issue: Debt was paid

XXXX/XXXX  MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX  XXXX agent and XXXX XXXX  representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX  on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Complaint sub-issue: Account opened as a result of fraud

Bank Account opened with Comerica Bank - Comerica - received checks and also a received a copy of a altered or fictitious check that was deposited in the account - didnt open account
Complaint sub-issue: Company closed your account

I have been a great customer with Discover for years always paying on time. I was threatened in signing a document to obtain all my tax records with a third party affiliate of XXXX  to do this if I refused they would close my account a report it as fraud. They did that and reported it with my other creditors. Im an XXXX XXXX and cant get stressed this caused me to have to go to the hospital. I checked my credit report today and my credit has gone down 152 points. This is causing a great deal of stress and fear that I may have a XXXX XXXX. They have ruined my credit. Discovers corporate will not contact me back.
Complaint sub-issue: Account opened as a result of fraud

In XXXX 2022, I was notified via an old email address that a PNC bank account was opened in my name. I thought it was a scam email but decided to call the bank just in case since the email looked legit. Someone had opened an account with my information online and had access to online banking. I immediately contacted the bank and started the process to report it as fraud. I went into the branch and was able to report the account as fraud. I asked for a printout of the information and was able to determine the account was opened with my SSN, Name, Birthday and driver 's license #. HOWEVER, the address was a non-existent address, a fake phone number, and the license expiration date they provided, did not match my ID. I had already had a XXXX  lock on my file because of another account that was opened a week prior due to fraud, but PNC never used XXXX XXXX ( despite telling me they use it ) to verify any information. It has become SO easy to open an online account with addresses/phone numbers and incorrect license information which is ridiculous if companies ARE SUPPOSED to be using XXXX XXXX. I pulled my XXXX XXXX report, and none of the XXXX ( so far ) fraudulent accounts/banks used XXXX to verify my information. It is now XXXX 2022 and I am STILL receiving " Low Cash Mode '' emails from PNC bank, the issue has not yet been resolved... and the only reason I'm still hearing from anyone is because I've become annoying to the branch. My file has been " lost '' and " overlooked '' several times so I now check in with the branch WEEKLY!.. STILL waiting on a resolution despite being told that the account is closed and not available to anyone... so why do I continue to receive " XXXX XXXX XXXX '' emails on multiple email addresses for this account if it's " closed '
Complaint sub-issue: Problem getting your free annual credit report

I HAVE REQUESTED MY FREE ANNUAL CREDIT REPORT 3 TIMES AND I HAVE NOT RECEIVED IT YET.
Complaint sub-issue: Was not notified of investigation status or results

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX 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 and inquiries that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, Natural Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on 24-72hrs. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting another CFPB complaint as a follow for the previous CFPB complaint I submitted last XX/XX/2022. I discovered that some of the information being reported on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected as soon as possible : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}. Also, I would like to request that the credit Bureaus send me copies of proof of veriication as a result of the XXXX XXXX investigation.
Complaint sub-issue: Account information incorrect

I have requested multiple times that this info be verified as mine, but the company has failed to respond. This info should not be reported to my credit reports.
Complaint sub-issue: Funds not received from closed account

I opened a savings account with BBT in XX/XX/2018.

I deposited a check in this savings account which was placed a hold until it cleared. The check was returned due to the account being closed and this was done in error. There was no ill intent in which I am being accused of. Needless to say there was no money ever received and any returned fees were all paid in full.

In the process of all this, I was having XXXX from my XXXX access savings account transferred into my BBT account. BBT decided to close my account due to this returned check issue which is their choice, however BBT has failed to return my deposited funds to me. I was told in order for me to receive my funds back I would need to visit a branch. I went to a BBT branch on a weekend day and was advised I needed to see the branch manager in which they were not there or available.

My profession requires me to travel and I am gone from for long periods of time. 
Furthermore, I didnt visit a branch to open this savings account, I didnt visit a branch to make my deposits and I never received a signature card from BBT to sign off on this account. BBT decided to close my account and they should not be allowed to withhold my funds for over 1 year!!! How can you close an account and keep the funds??? There is nothing on the terms and conditions that says they have the right to do this!

I need to know where in the terms and conditions does it say they have the right to do this!!

How long can they legally hold these funds?

What legal rights allows them to do this?

Where in the terms and conditions does it clearly state they can do this?

How can you close an account but keep the funds on a closed account, however when I called CS Dept., I am being told the account is on hold. Is the account closed or on hold??
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ 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: Account status incorrect

My student loans are reported as delinquent in XX/XX/XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Complaint sub-issue: No notice of investigation status/result

I had contacted equifax on a collection by XXXX, they had bought this from XXXX and are reporting the wrong amount.
Complaint sub-issue: Attempted to collect wrong amount

XXXX/Nelnet is reporting XXXX XXXX + late payment accounts to XXXX, XXXX, XXXX. The dates they are claiming I owe for is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was in XXXX school during some of the above mentioned dates and I graduated in XXXX, for the remaining dates I was in XXXX XXXX so no loan payments were due during those dates. My loans have always been in deferment. I have called several times and also have sent them a letter asking them to update the incorrect information they are reporting which is damaging my credit and and credit score but to this they still have not updated the information or provided any proof that the payments were past due or even owed.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Public record information inaccurate

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT!! TO INCLUDE REQUIRED THE METRO2 SYSTEM!
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield damaged my credit by reporting a collections account related to an eviction that had nothing to do with me. I was never financially obligated to the apartment complex, XXXX XXXX, and had never signed lease documentation as anything other than a roommate. XXXX XXXX XXXX was solely financially responsible and he was evicted for failure to pay. Hunter Warfield has an obligation to possess and verify copies of signatures on lease documentation to ensure they are taking action against parties who are in fact liable for debt. They failed to do so and damaged my credit. I found out about this while applying for a mortgage. My credit score caused the interest rate offered to me to be significantly higher, thus costing me much more over the duration of the loan. This has been tremendously distressing and although actions are being taken to correct this information on my credit file, I am incurring additional expenses for transitional housing, a delay in closing, and the stress of having to start a new loan once this is resolved. This ha effectively displaced me. Hunter Warfield failed to do their due diligence and I have suffered multiple harms as a result. At this time I am awaiting for them to furnish me with copies of all paperwork they have on file from XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I 've requested debt validation and the company has failed to provide any proof that I owe anything.
Complaint sub-issue: Information belongs to someone else

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CBNA violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Complaint sub-issue: Their investigation did not fix an error on your report

I recently applied for  XXXX , and they perform a background check on me through  checkr . Background report is wrong, and I submit a dispute. On  XXXX   XXXX  I receive an email from checkr, and I contacted them the following Monday regarding the report and I spoke to representative  XXXX   XXXX  nothing is being done, advise their review in complete on  XXXX   XXXX  wait for  XXXX , and  checkr  also advise me their source is right checkr cause me a job or contract that pays up to {$1500.00} a wee k I m s uing under fcra wrongful reporting and punitive damage.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.