Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have been disputing with XXXX XXXX and Equifax since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX  loan # XXXX XXXX and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and XXXX even though i have multiple times. 

XXXXXXXXXXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian transunion and equifax. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b. The following collections need to be removed and all have violated 15 usc 1681
s-2b XXXX- XXXX XXXX and XXXX XXXX XXXX service- XXXX ( XXXX )
Complaint sub-issue: Information belongs to someone else

Hi, I am XXXX XXXX and these inquiries are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report violation of : XXXXPrivacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Complaint sub-issue: Account status incorrect

LoanCare is reporting my credit as 120 past due, while I my mortgage is being modified. ( I have a tenant that was COVID impacted ). I was never late in the past, and in fact prepaid the modified mortgage through XXXX XXXX to avoid the situation I am in now. My credit has been reduced 60 points. I have been complaining a week with LOANCARE I sent them the support below and my score has not been changed. I need to purchase a range for another property and my cash flow has been GREATLY diminished as I have two other tenants not paying. ( I can not evict! ) My credit lines have been drastically reduced. One response from the Servicer is that the scores would be adjusted after the loan closes and all the payment terms have been met. Well I prepaid and met the requirement. Correct my credit! Very unhappy
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 Accounts # XXXX, # XXXX, # XXXX and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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: Problem with personal statement of dispute

I when online to apply for a payday loan at XXXX XXXX XXXX and in Louisiana you can only get {$300.00} payday so I het enough money to pay back the loan but as I continue on the application I get to the part where I put in the income so I tell that part and as soon as I click the submit button it comes back and say denied and I call the company and they say they run a basic credit check but they must don't have the information update on a daily basis because insufficient income is not a reason to turn a person away if they get {$800.00} a month and applied for a {$300.00} loan. This company need to check into because they have their system messed up for a person trying to get a loan with limited income.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I Transferred {$150.00} From Is my cash app account to my chime Account. The funds were never received to XXXX XXXX account. And the funds never went back to my cash app account. I've inquired everyday everyday to cash app And to the bank that governs them which is Square ink. But no one will help me get my money return to me. I was told by cash app manager she just forget about it and don't worry about it there's nothing I can do. I told him he can not steal my {$150.00} it has to be returned to me. I asked for a receipt I got one but it makes no sense which I will attach that For you also. They Wanted chime to trace it but they can not trace something that never got to them. Please help me get my {$150.00} back this is just ridiculous.
Complaint sub-issue: Not given enough info to verify debt

I discovered the debt collector on my credit report. I mailed them XX/XX/2016 requested they provide full legal validation. They have not responded
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. 


Account info Account name : XXXX XXXX XXXX Account number : 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: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Years ago while shopping in A local XXXX XXXX I lost my wallet that included a lot of my important papers. I immediately filled a police so that my bank cards would be covered by the report. A few years later I try to apply to finance my home I noticed there were negative remarks on there that I had to get removed.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Americollect Collections Agency located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, WI XXXX, has flagged my credit report several times which has had a negative impact on my credit report and credit rating. I received 100 % charity care for medical services received and have two charity care letters as evidence. Americollect has received this information and continues to try to forward this information to my credit report and then flag it so that my credit rating drops. These unfair business practices are unfair and questionable. Please investigate this issue and resolve.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Complaint sub-issue: Need information about your loan balance or loan terms

I contacted Firstmark Services to inquire about my loan terms because what I was seeing on my " welcome letter '' didn't match with my expected loan terms from XXXX XXXX. Roughly six weeks ago, and four or so additional times between now ( XX/XX/2021 ) and then, I asked Firstmark to send over their copy of my original promissory note so that I could verify my loan terms. They repeatedly told me that it would be coming " in a few days '' but have so far never delivered. I am concerned because those loans are coming due and I want to make sure I'm paying the correct amount.
Complaint sub-issue: Problem with direct deposit

I cant access my cash app account cause my number on the account is no longer in service on my account i had got my phone and my prepaid cash app card stolen from me and I had a balance of {$1800.00} in my account that i cant access cause my phone being stolen and card as well and i cant get threw to anyone to help me they sent me specialists about like 4 of 5 them dont do nothing I'm still waitjng for a respond from them all i am asking if they can help cancel the card on my account and dispute all charges thats werent by me and get a new a card sent to me
Complaint sub-issue: Trouble closing card

MetaBank sent me an unsolicited card ( ready for activation ) by mail, to my old address ( luckily it was forwarded to me ) in a card requesting my direct deposit ( bank account ) information. When I tried to call the number on the back of the card, it kept asking for my full social security number, which I would not enter because, again, I did not request the card so I'm not even sure if this is a legitimate business. Because I would not enter my information, the automated system just hung up on me with no option to speak to a representative. I work in the banking industry and have never heard of this practice of just sending out live cards for activation to people who did not actively request them.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax on numerous times via phone and I have also sent in many disputes about fraudulent credit inquiries on my credit profile, I have also sent in a copy of my identity theft report and still the fraudulent inquiries remain on my report. I contacted Equifax on XXXX XXXX XXXX XXXX.
Complaint sub-issue: Public record

I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXXXXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

to the best of my knowledge these are ftc violations
Complaint sub-issue: Debt is not yours

I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Complaint sub-issue: Debt was paid

I had an account with Acima Credit and was told by Acima, that making a settlement payment would rectify my account. My paid the settlement agreement on XXXX XXXX. In XX/XX/2020 I contacted Acima by phone asking why the account still shows on my credit report. Acima assured me that by disputing this account with XXXX would be the best way to go to have this collections removed. So I disputed the account only to have Acima update the account stating that I settled the account in XX/XX/2020, which then resulted in my payment history to show as a new collection item for XX/XX/2020 as well as XX/XX/2020. I contacted Acima and XXXX  over 20 times a piece begging for them to update my file with the correct dates for settlement and correct payment history. I understand that having those 2 recent history for XXXX and XX/XX/2020 is negatively affecting my credit and it is hard for me to find a lender to assist me with purchasing a home. I am requesting that the entire account is removed from my credit file considering Acima is reporting inaccurate information. Acima simply will not correct their wrong doing and XXXX  is allowing Acima to report inaccurate info knowingly notated the actual settlement date.
Complaint sub-issue: Information belongs to someone else

I faxed Equifax my identity info and proof of address and SS number to put a freeze on my credit due to identity theft and they replied to me with a letter stating that my credentials did not match thier records, therefore they suggested I send all my information postal mail so I sent it.on XXXX XXXX They sent me another letter stating that my records to add a freeze on a child did not match thier records. This is insane because I did not even mention anything about a child. It's obvious that Equifax is fraudulent and playing games with me. I need help with this travesty.
Complaint sub-issue: Information belongs to someone else

This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or  personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX  Inquiry Date : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX   XXXX XXXX {$930.00}
Complaint sub-issue: Received bad information about your loan

I consolidated my loans in XX/XX/2011 and they are now being serviced by Nelnet. Their online system is terrible and there is no way to accurately track where my payments are going. The way my monthly payment is allocated changed in XX/XX/XXXX, and I did not receive any notification. The people I have spoken to indicated it may have been sent electronically, I received no email and there is nothing available in the online portal. 

I have also begun making extra payments, and they are not being allocated in the manner that I directed. Every time I call and speak to a different person, I get a different answer about how my loan payments are being allocated and why.
Complaint sub-issue: Information belongs to someone else

I did not consent to this negative and inaccurate to appear on MY credit/ consumer report. Please remove!
Complaint sub-issue: Public record information inaccurate

In XX/XX/XXXX South Carolina Tax comission filed a tax lien on taxes due from XX/XX/XXXX and never notified me In XX/XX/XXXX I was transferring my house to my wifes name and the lien showed up on title work and I paid it That was the first I knew there was a lien. 
I file a dispute with Equifax to have it remove or even update paid and it still shows up as not paid I applied for a loan at XXXX XXXX XXXX XXXX and it cost me a higher interest rate. 
The reason it should be removed is I was never late I paid it the same day I found out it was on my record. Even in XX/XX/XXXX when I file my state taxes I got a refund back and was not notified of a lien
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. 
ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. 

After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. 

I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. 

So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. 

I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. 

Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please HELP!!!
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit  reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with XXXX XXXX XXXX. I have never applied for an auto loan with XXXX XXXX XXXX. The auto loan account with XXXX XXXX XXXX is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from XXXX XXXX XXXX call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX  for a fraudulent account and debt of {$7000.00}, I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Complaint sub-issue: Personal information incorrect

Former address is incorrect. 

Equifax Former Address XXXX XXXX XXXX XXXX CALIFORNIA XXXX Equifax I have never lived in California and I believe this address may be connected to someone who lived there stealing my identity.
Complaint sub-issue: Having problems with customer service

Fed Loan did not apply multiple payments sent by me via my bank 's auto pay function. Fed Loan then changed my payment without notifying me. I continued remitting correspondence as well as my payments, and could not understand why my payments were increasing. All correspondence I received was auto generated and never once addressed review of my account as I requested on multiple occasions. On  XXXX   XXXX  , 2017, I fin ally received a letter from Fe d Loan o utlining the payment increased and background information regarding the account. I was never notified over the course o f two y ears that they kept increasing my payment - if I was notified, I would have made the correct payment. This is extremely unfair as now my credit standing has been damaged through no fault of my own. In addition, I disputed multiple components of their letter and sent a response on  XXXX   XXXX  . 2017.
Complaint sub-issue: Information belongs to someone else

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.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 .