Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Complaint sub-issue: Trouble with how payments are handled

Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/20 I received a notification from XXXX XXXX that my credit had a hard inquiry by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX through Equifax. I logged in and looked at the inquiry. I filed a report disputing this hard inquiry I did not authorize. I have no business dealings with XXXX XXXX XXXX whatsoever, so they have no authority to run a credit check on me.
Complaint sub-issue: Information belongs to someone else

I was denied from opening a credit card at XXXX XXXX XXXX today XX/XX/19 because there are accounts with negative history on my credit report. None of those accounts belongs to me nor did I give anyone permission to open those accounts on my behalf. I have never had any contract or agreement with any of those companies and I did not allow them to run or view my credit. I did not benefit anything from these accounts such as money, goods or any other benefit and I did not make any payments or purchases towards these accounts. I filed a police report regarding this matter.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have had a US Bank account, of some kind, for more than 40 years. I have been satisfied with their service, until I received a deceptive offer to apply for a credit line limit increase. 

A couple weeks ago, I received a pre-approved credit line increase and was provided a special pre-approval code. My credit score, according to US Bank last week, is XXXX and remains unchanged. 

After deceptively enticing me to apply for this pre-approved offer, US Bank did a hard pull of my credit and then declined the pre-approved offer, even though my credit score remained unchanged at XXXX. 

Now, my credit score has, in fact, been damaged by US Banks intentional deception. This review has been submitted to the CFPB, the XXXX, and the Washington State Attorney General Office.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. Discover added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.
Complaint sub-issue: Account information incorrect

Equifax has XXXX attorney generals on my account which should only be XXXX & which has been paid in full since XXXX XXXX
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 involved 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 : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Complaint sub-issue: Personal information

The name XXXX XXXX is listed on my credit report and an address in XXXX. My name is XXXX and I have never lived outside of the state of XXXX. I also do not have XXXX credit cards
Complaint sub-issue: Information belongs to someone else

I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.
Complaint sub-issue: Account status incorrect

XXXX XXXX have reported 80 late payments on my credit report they are old reports. This company is keep me from refinancing my house. It has Major repairs need to be done on the roof the insurance adjuster did not approve the claim only the inside of the bed. Theyre stopping me from getting loans to repair my roof on my house. The dates are XXXX 80 old late payments.
Complaint sub-issue: No notice of investigation status/result

I have contacted equifax requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
Complaint sub-issue: Debt is not yours

I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Information belongs to someone else

Pulled credit application placed credit inquiries on credit reports I didnt apply for credit
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/XXXX 

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 consent.
Complaint sub-issue: Public record information inaccurate

I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX and they indidcated the Bankruptcy in XXXX and 2017 that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX has not contacted them for any information.
Complaint sub-issue: Problem with personal statement of dispute

In regards to TMS response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & TMS not receiving my payment in time. According to our payment we made in XX/XX/XXXX it was received by TMS on XX/XX/29. TMS is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XX/XX/XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because TMS HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with TMS and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX  which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at TMS to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.
Complaint sub-issue: Problem with personal statement of dispute

XXXX, I sent a certified letter to XXXXXXXX XXXX requesting validation of the account they alleged I owe on, in the form of competent evidence, bearing my signature, showing I have a contractual agreement. XXXX at XXXX certified mail was signed for. XXXX XXXX responded in writing they have investigated and findings to be accurate. They did not provide the contractual agreement bearing my signature as requested. XXXX XXXX sent another letter providing me statement reprints from XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. No validation provided that I requested. XXXX I sent another letter asking again for verification of a contractual agreement bearing my signature, stating printouts of a bill or itemized document do not constitute verification. XXXX at XXXX, XXXX signed for certified mail. XXXX XXXX responded they already provided me with their documentation ( which did not include what I asked for ). XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX law about my request for verification of debt. Again, only receiving statements from XX/XX/XXXX, XX/XX/XXXX, and all of XXXX along with a card member agreement ( that can be pulled offline ) and did not bear my signature. I then proceeded to contact the credit bureaus ( Equifax, XXXX, and XXXX ) on XXXX by certified mail challenging the accuracy, compliance, and reportability of this listing and stating I do not consent to e-Oscar or any means of automated verification. I requested copies of documentation bearing my signature to confirm this is my debt under my social security number. XXXX Equifax responded that the information was verified by creditor. XXXX I attempted a phone call and could not get past automated system. XXXX I called XXXX and spoke with " XXXX '' who stated XXXX Bank verified account, but stated I was not entitled to the information used to do that and that I would need to contact XXXX. I explained I had, and they have not provided the information I requested. XXXX also stated dispute was resolved by XXXX, but no information as to how that has come about has been provided by any of the entities. On XXXX XXXX Bank filed a lawsuit against me. I responded to that lawsuit. XXXX did not respond again, and the case was dismissed on XXXX. Through all this process I have learned that someone else was using my name and information based on addresses listed in California for me on my credit reports. I have also learned that my social security number has been disseminated by my local police department and that this could have been occurring over the duration of my XXXX XXXX XXXX  ) career. My account number has not been listed on the credit bureaus to show that debt being asked for is mine and not some random person 's debt. I have stated I do not agree with the debt and have requested verification from XXXXXXXX XXXX and all three major credit bureaus without success. I have been tracking and documenting my efforts and have plenty to show for it. I want this resolved so that XXXX will stop harassing me and stop sending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Due to it being over 60 days those items should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt is not yours

This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Complaint sub-issue: Information belongs to someone else

I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX XXXX  XXXX.
Complaint sub-issue: Received bad information about your loan

I consolidated my federal student loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and later inquired about income based repayments and public service forgiveness programs. I was told my FFEL loans would qualify and all on time payments would count toward the PSLF. They indicated the payments and loans would be forgiven after 120 on time payments. XX/XX/XXXX I submitted my certification paperwork to begin the PSLF process. I was notified on XX/XX/XXXX my current loans were not in an eligible loan program. I would not have consolidated my loans with Great Lakes had I been told it was not an eligible loan for PSLF as my loan balance has remained as I made lower payments with the anticipation of forgiveness after 10 years. I am now being told I must consolidate my loans again with another agency and none of my past payments are qualifying. Many financial and career choices were made with the consulting I did with Great Lakes. Now my family and I are told we must start over if we wish for pay off our loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive terms that were advertised

I opened an account at Citi Bank in XXXX, NY on XX/XX/XXXX and deposited {$670000.00} in the account with a promotion of {$1000.00} provided you leave at least {$200000.00} for 3 months. It has been over 6 months and I still have not received it. I have called numerous times and each time they told me to wait a little longer it should be in next months statement. I did what I was supposed to, to receive the promotion and have waited to long.
Complaint sub-issue: Account information incorrect

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and Equifax and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Complaint sub-issue: Can't decrease my monthly payments

I 've been trying to get a XXXX for about 2 years now and Nelnet continues to say they 've never received my doctor 's paperwork I 've send a few times and keeps delaying it. Today they gave me the phone number for XXXX and stated " XXXX does XXXX discharges rather than loan forgiveness so you should call them '' and when I did XXXX stated they handled XXXX discharges for the government and " oversee Nelnet so we can get it expedited ... just sign this agreement that I emailed you for a {$590.00} processing fee ''. I paid the fee and signed the paperwork but my husband overheard and got on the phone and we XXXX asked XXXX several times, with XXXX different representatives, if he fee was a consolidation fee and not a " XXXX discharge fee '' as they had also previously stated several times and when asked specifically if they were consolidating the loan from Nelnet, several times, they said emphatically each time, " No, we are not consolidating the loan ''. When my husband read the contract it mentioned nothing but consolidation so I called them to cancel and they said no problem. I also called the credit card company to cancel the charge, just in case. So, my complaint is that XXXX and Nelnet both were lying to me. Nelnet to get paid the {$25000.00} owed to them rather than process my 2 year running attempt to do so by referring me to XXXX for consolidation so they 'd get paid rather than forgiving the debt and XXXX for lying several times that they were not consolidating my loan and were merely processing a " XXXX discharge which is better than loan forgiveness because you do n't have to pay taxes on a discharge like you would with forgiveness. '' Thank you in advance for your help in this matter.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX can not produce my loan information they refer me to XXXX who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XXXX. As of today I have not received any response from XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and Equifax have failed to respond in a timely manner to my requests and while I did receive a response from XXXX, they did not resolve all of my issues.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been reporting these fraudulent inquires to Equifax for months now. I sent certified letters with documentation and FTC reports, Police reports and other evidence and Equifax has refused to remove these fraudulent inquires from my credit. They are costing me time, most for certified mail, and XXXX  XXXX as these fraudulent inquires are interfering with my credit.
Complaint sub-issue: Information belongs to someone else

Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the Equifax data breach..