Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through Equifax Mortgage Solutions phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or EQUIFAX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent four dispute letters disputing unverified accounts on my credit report with Equifax and XXXX. The accounts I'm disputing were with XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent XXXX  and Equifax dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. XXXX  and Equifax needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them
Complaint sub-issue: Account status incorrect

I had a lease from XXXX XXXX XXXX and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called XXXX XXXX, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, XXXX  changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.
Complaint sub-issue: Company closed your account

On XXXX XXXX dollars was transferred in to a square account. 

XX/XX/XXXX I tried to transfer the money out and make a purchase, it was denied. 

On XX/XX/XXXX I got an email saying my account was closed and I can wait 3 months latest XX/XX/XXXX for my money to be returned. 

On XX/XX/XXXX communication with 2 customer service representative that had no information but please see terms and agreement XX/XX/XXXX communication with a manager who stated I needed to complete a form and it wasn't complete so they closed it. He reviewed my account as I stated I received nothing form them not an email, nor app nor anything else. He said unfortunately it's the banks they partner with and I had to wait. 

XX/XX/XXXX I got a debit card from Square stating to activate. My account is frozen and I can't activate it.
Complaint sub-issue: Information belongs to someone else

I am writing to FLURISH INC DBA LENDUP agency because I am having difficulties with buying a house and applying for new credit cards. I paid the account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting FLURISH INC DBA LENDUP agency to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit report
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 

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

This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.
Complaint sub-issue: Reporting company used your report improperly

CreditKarma.com has given Fraudsters access to my personal information without my consent. As troubling as that is what troubles me more is that it has been more than 5 days and more than 5 emails an no one from that company has responded to my urgent emails ... '' please freeze my account ''. They need to be regulated! You can not be the gatekeeper to sensitive information and not have 24/7 phone support. That is insane to me! They need to be immediately shut down.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Complaint sub-issue: Account information incorrect

If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Complaint sub-issue: Received unwanted marketing or advertising

I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XXXX or XX/XX/XXXX. The credit reports from XXXX and Equifax indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, Equifax has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I was never properly given notice of repossession. I have a screen shot that stats your vehicle XXXX be repossessed soon on XX/XX/XXXX is when I logged in an took the photo so I had no notification at all, when vehicle was reposed during an eviction aka help from law enforcement. I demand all money paid to be returned on the loan. On top of that the ally finical has owed me a surplus since mid XXXX. They stated on 3 different occasion that they have mailed me a check. They have also stated that it will be overnighted since XX/XX/XXXX, and still no check. They illegally took vehicle and would not work out a lower payment. My pain and suffering from all this such as being XXXX having to pay for rented vehicles have far succeed {$2700.00}. Plus XXXX XXXX interest should be added since they can not prove proof of delivery of the check I have been lied to over and over about a check of {$1600.00} and now I will have to XXXX XXXX in the cold weather. The demand for pain and suffering now is {$25000.00}. I have screen shots of previous times and recordings as I stated with them please save all recordings and if they are going to record me I will record them. The notice alone saying my be repossessed soon on XX/XX/XXXX and my vehicle being repossessed that exact day is proof enough that they illegally stole my vehicle.
Complaint sub-issue: Problem with customer service

On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX   Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info XXXX bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

CBNA is an inquiry not authorized XXXX  XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Complaint sub-issue: Information belongs to someone else

After receiving my credit report, I am not happy when I noticed these inaccurate and incorrect information in there.
Complaint sub-issue: Problem with customer service

I am in the PSLF program. My loans have been in repayment since XXXX, well longer than I need to have my loans forgiven. 

I consolidated my loans and was transferred to Mohela as my new servicer in late XXXX. My loans disbursed on XX/XX/XXXX. 

I resubmitted my employment certification form to MOHELA and received confirmation on their website on XX/XX/XXXX that my form was received. As my previous servicer was XXXX. My initial PSLF forms had been uploaded to them in XXXX at the start of the temporary waiver period. 

On XX/XX/XXXX, I received e-notification that there would be a 10 day delay in processing my employment verification form. I have not heard anything from Mohela. 

I just called their customer service auto service telephone number. When I entered my SS # and birthday, the automated system says that they do not have my loan information. I can clearly see my consolidated loan information on their website. 

Mohela has had my loan data since XX/XX/XXXX. With the looming deadline for the PSLF waiver, I'm concerned that I have been unable to get any account updates and information for over three months from Mohela.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # 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: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF EDXXXX XXXX Balance : {$11000.00}
Complaint sub-issue: Don't agree with fees charged

Hi CFPB, my name is XXXX XXXX XXXX ss # XXXX I have Sub and Unsub Stafford student loans ( from XXXX school ) with loan servicer PHEA and I have been unable to pay them after 10 years, now at XXXX and growing daily. My complaint is after 15 years since I attended school the interest in dollars ( {$10000.00} per year approximately ) is growing at such a rate that I simply cant keep up, and I will be beyond bankrupt shortly. Moreover, I borrowed about XXXX and with Interest on this amount the Student Loans I have are now at XXXX! Why are students being treated as a profit center at 4 % per year on a loans for education ( to help me my family and our nation ), when banks at this time in 2016 are paying 1 % on deposts? My loan is 4 times more!! This is absurd and abusive to me/our citizens for the money the government is loaning me is my own money Ive paid in taxes. My ask is that my account with PHEA be audited for how it has doubled and will soon triple and my loan be returned to the original amount I actually borrowed and that all future interest be suspended so a. I am not being used for profit by my own government and b.so I have at least a chance financially to pay them off and save something for my future in this life. 

Thank you, XXXX XXXX XXXX Concerned USA citizen and complaintant NY XXXX XXXXXXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

All Dept EDXXXX accounts are reporting late payments : They each have XXXX payment that were not caused by me. These are in deferment. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue. 

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX Account Number : XXXX 2. DEPT OF ED/XXXX  Account Number : XXXX 3. DEPT OF ED/XXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX  Account Number : XXXX 8. DEPT OF ED/XXXX Account Number : XXXX 9. DEPT OF ED/XXXX  Account Number : XXXX 10. DEPT OF ED/XXXX Account Number : XXXX 11. DEPT OF ED/XXXX Account Number : XXXX XXXX. DEPT OF ED/XXXX  Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/XXXX Account Number : XXXX
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/2021 I received a Cash App debit Visa card in the mail at my address that I did not request. The card and related account were fraudulently opened using my identification. 

I contacted Cash App by phone. They sent an email with a link to share card details. And I responded with the details. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation. 

I further requested what additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's IdentityTheft.gov site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was opened by XXXXXXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. The FDIC replied and said I should make my complaint against Square Inc. ( owner of Cash App ) with the CFPB. To the best of my knowledge, no action was taken by the FDIC against either XXXXXXXX XXXX or Square Inc. for apparent non-compliance with the XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX I wish to complain about XXXX, Equifax and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, Equifax and XXXX ) to report anything on my credit without my consent
Complaint sub-issue: Account opened as a result of fraud

I received a piece of mail from US Bank saying that a US Bank XXXX XXXX Account was opened in my name on XX/XX/XXXX. They listed an account number. I called US Bank and spoke with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She said the application was declined as it was suspicious for fraud. She instructed me to report this to the XXXX and Federal Trade Commission which in turn sent me here.
Complaint sub-issue: Account status incorrect

XXXX status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.
Complaint sub-issue: Information belongs to someone else

PHEAA is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in 2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.
Complaint sub-issue: Information is not mine

I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, XXXX, and Equifax.