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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
CITI XXXXDate Opened : XX/XX/2016 Balance : {$560.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Information is incorrect

I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. 

Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon my request for verification and getting this false latepayment account updated, and in accordance with its standard procedures, Equifax did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXX  XXXX  billing error on my credit report. it is alleged that Equifax might have forward some notice of the dispute to XXXX  and XXXX  failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX have thousands of negative reviews on XXXX, the XXXX, and the CFPB website for problems with their credit reporting of false latepayments. I asked that equifax conduct a complete and thourough investigation into this matter. As i know Equifax disburses consumer reports to third parties under contract for monetary compensation which is one reason they are not conducting a complete investigation.
Complaint sub-issue: Trouble with how payments are being handled

I am submitting a complaint onFedLoan Servicing due to unfair status claims regardingPublic Student Loan Forgiveness qualifying payments and the extremely slow process of reviewing my current employment status. 

1. Payment and PSLF : In XX/XX/XXXX, I felt that I should be getting close to repayment numbers that would allow me to qualify for Public Student Loan Forgiveness ( PSLF ). When delving into my accounts I noticed that there were an inordinateamount of " Your payment was received outside of payment period window '' flags on payments over the years ( see files 1-2 ). As someone that is not a late payer on anything ( I have an over XXXX credit score ) I was instantly shocked to see so many of those. So, on XX/XX/XXXX I started an online chat with someone at FedLoan Servicing. As you can see in the chat transcripts ( file 3 ) the staff member, XXXX, acknowledged that some of the " late payments '' were not late at all but simply short a small amount of money most likely due to a billing error ( Why would I pay $ .1- {$5.00} short of a bill that is hundreds of dollars if not a billing error? ). She said that she would make note and get the {$.00} changed to qualifying but couldn't do that for the ones that are more than that ( even though, as mentioned, it was most likely pulled from a previously paid bill already ). Again, I am unclear as to why their billing issues result in my not qualifying for payments properly. That is incredibly unfair and feels manipulative. Also, it has been well over a month since I spoke with XXXX and none of those {$.00} " late '' payments have been changed to qualifying payments. 
2. Reviewing Employment Status : Also listed in the chat ( file 3 ) you can see that I asked about my updated employment information so that the current months can also qualify towards PSLF. I know they spoke to my boss on the phone toconfirm that I still work there so I'm not sure what the hold up is otherwise. I have also continued to work for the same employerfor eleven years now anyway. I fear that they are purposely dragging their feet during the forbearance time and I am incredibly frustrated. 

Lastly, I have received word that FedLoan Servicing will cease being my loan provider in the coming months. A new service provider potentially comes with a new interface, new processes, and I fear that my information and previous complaints/requests will be lost in the shuffle of transferring to a new company. I would like these problems solved as soon as possible and before the service is switched to a new company.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Complaint sub-issue: Can't close your account

I am trying to arrange a balance transfer and need by full account number. Best Buy/Citi will not provide it, nor direct me to person with that authority. Statement only has last found numbers. I do not have the physical card as they had closed it out a while back and I shredded card. They say they can not give me a new card, as they had closed it. I made all payments and want to pay off last {$1100.00}. I asked XXXX, the supervisor, who there could or could tell me who to talk to and he hung up ( he said there was no one above him in organization I could speak with ). 

I just need my account number, please.
Complaint sub-issue: Public record

Previously filed federal tax lien has since been withdrawn, see attached copy of IRS form XXXX ( sent to me from the IRS ) as initial proof of this. XXXX and XXXX have since removed the tax lien from my credit report, however Equifax still will not remove it even after XXXX disputes being initiated. 

They suggested contacting the filing office ( XXXX county ) for more information. i called XXXX county ( using the number that Equifax provided, ironically ) and spoke to them for a total of XXXX ; they told me that they do in fact show the tax lien as having been withdrawn, their document number for that withdrawal filing is XXXX ; said filing took place on XXXX/XXXX/2015 according to XXXX county, and both of the Equifax disputes were initiated after that date ... 

Considering that it took me less than XXXX minutes to locate the withdrawal document, and order a copy of it ( that is being mailed to me ), i fail to see how Equifax could have not been able to accomplish the same having had several weeks to conduct their " investigation ''. 

Equifax is a for-profit company that makes money selling my personal information, and they do n't even have the decency to report the correct information. How on earth can they be allowed to operate with such ridiculously low, and arguably negligent, standards? 

Equifax has already cost me time and money ( fees for documents ), and this only occurred due to their negligent " investigative '' behavior. They should be fined for this action! If i had the resources available, i would absolutely take them to court! 

i will continue to pursue all avenues available to me until Equifax removes the tax lien from my consumer credit report, as this is what the law requires and demands of them.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Old information reappears or never goes away

For the past couple of months I have been contacting with Equifax and disputing an account that appears on my credit report from a company named XXXX, this account doesn't have any account under my name on their records and I have asked many times to Equifax to remove this inaccurate information from my credit report, or a proof that shows that the account is mine. It been almost 6 months since I started to dispute the account and asked for proof, and nothing has happened, the account stills hurting my credit and there is not proof that this account is mine.
Complaint sub-issue: Received bad information about my loan

Between XXXX/XXXX/XXXX and XXXX XXXX, I had several conversations with AES reps. On at least XXXX occasions, I was told by the reps not to worry if I went over 30 days late on my payments, since they were n't reporting until 60 days late. 

I am requesting the voice recordings for the period mentioned above be reviewed by a consumer advocate to confirm what I 'm saying is truthful, and I am motioning the removal of the 30 day late payment adverse credit reporting of XXXX XXXX be removed from my credit report. 

AES needs to take accountability for their statements to their clients. 

I had another similar experience with another lender, and CFPB had their consumer advocate review the lenders recording confirming my statements to have been true, thus reversing the negative credit reporting. 

As an XXXX, I have the public stake their lives on my integrity and the quality of my work. My co-signer is my brother, who is a XXXX, who puts his life in harms way to save others. 

All I 'm asking is for the basic decency and integrity from the lender, as to stand behind what their reps tell their borrowers, and take responsibility when they make a mistake.
Complaint sub-issue: Account status incorrect

I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi bank charged my card for items that I didnt order. I talked to them many times with no response or resolve. When they reported my account to credit report as delinquent, I finally paid it so my credit report, which was over XXXX at the time, would stop falling. If you check my report you can see that I had an excellent score. Any help would be appreciated.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I reached out to this company to correct the wrong information on my report, as they are completely invalid. I feel I have been marginalized by this situation because I have not received a response in connection to my complaint. I felt forced to file a complaint against them, as my initial attempt to reach out to these companies occurred in XXXX of 2021. The invalid information that is being reported is negatively impacting my reputation and hurt my credit score and report. I sent in my request over 90 days ago and have been ignored and not responded to till this date. I have self-learnt and now now that Section 611 ( a ) requires that these items be removed if there is a failure to investigate and respond within 30 days. Again please be aware that it has been over 90 days and I have not received a response from these companies. I request that these items be deleted or I will seek and utilize litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have a recurring auto debit on the XXXX of every month and for the month of XXXX  that payment did not occur.  I was informed that the auto debit would not occur for XXXX because my account did not have a payment due and there was a system issue that is trying to be resolved. I pay more than the amount due and have accrued enough excess to be months ahead of my payment so the system did not take my payment. I had to contact the lender to determine why the payment did not occur, when going into the web portal the message simply says to please wait a few days for it to be resolved.   I have since gone in and instructed a one time ACH to pull today to make the XXXX payment. If I would not manage my finances to a strict budget I would not have noticed the payment did not occur and my account would accrue unnecessary interest.  However, my account will accrue additional interest for the delay in the payment (only 6 days on one payment but this is bigger than just my account).  The error by their system will in turn cost me and every other individual that has a loan with the organization that is paid ahead additional money.
Complaint sub-issue: Information belongs to someone else

Inaccurate items reporting on my credit report.