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

My Credit information was compromised in the Equifax Breach because of this breach of my information a account was open in my name at XXXX in Account ID : XXXX XX/XX/XXXX. XXXX  send me a letter informing that the account was fraudulent informing me a letter would be sent to each Credit Reporting Agency,  Equifax is still reporting this account as of XX/XX/XXXX. I wrote Equifax a letter XX/XX/XXXX concerning this matter along with the fact Equifax Credit Score is 50 to a 100 points lower than the other credit reporting agencies. This has been going on for my many years it appears Equifax rate XXXX Consumer lower on the same data range from a 584 to a 643 depending who the information is sent to I am tired of Equifax affecting the quality life I can provide for my family.
Complaint sub-issue: Their investigation did not fix an error on your report

I've US Dept. of Education/XXXX  XXXX Delete this account because of 15 U.S. Code 1681i-Procedure in case of disputed accuracy, this account was once deleted then reinstated back on my credit with no evidence at all. I would like to know who furnished the information as accurate? This account was also deleted off XXXX and XXXX and was not reinstated. 

XXXX XXXX XXXX Delete this account because the date last active is reporting 2 different dates. XXXX date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. This inaccurate information has been on my credit report for months. 


XXXX  XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. This inaccurate information has been on my credit report for months. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 


In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported XXXX XXXX XXXX equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I C. SYSTEM ONCE AGAIN VIOLATED THE FCRA FDCPA, T.C.P.A. BY FAILING TO VALIDATE SAID DEBT AND WENT ON MY CREDIT REPORTS ANYWAY CALLED MY FAMILY MEMBERS 17 TIMES ( XXXX ) XXXX.
Complaint sub-issue: Problem with customer service

I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have 121 ( and now more ) payments out of the 120 needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. 
I have heard nothing from them, nor have I received any documents. 

I called again today and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!?
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX BANKRUPTCY COURT-MOBILE XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Debt is not mine

Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

This specific account is in fact stated as a charged-off account, you need to identify why exactly there is a balance indicating on the file whether it is a charge-off? The balance is truly wrong, make sure to change it to zero or eliminate the item totally. Make sure you also furnish documentation to substantiate all the charges and credits for this supposed account that led to the extremely high credit figure you have detailed on my file. My request to present these documents is usually a standard information inquiry based on my privileges granted within the fair credit billing act.
Complaint sub-issue: Information belongs to someone else

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Need information about your loan balance or loan terms

I started making monthly student loan payments XX/XX/XXXX. My loans were consolidated and transferred to Fedloan on XX/XX/XXXX. 
I have been employed full time and have made monthly payments every month since ( XX/XX/XXXX ). My correct payment count towards PSLF should be 77 as of today ( XX/XX/XXXX ). 
According to the Fedloan website I have only made 43 qualifying payments. 

I first contacted Fedloan on XX/XX/XXXX in an attempt to rectify this discrepancy. I have subsequently contacted them on multiple occasions without a response or explanation.
Complaint sub-issue: Other problem

I inquired about the credit card company, Citi a division of CitiBank, not having a separate line item or option to pay off a XXXX XXXX Amount on their website. The only way a customer is allowed to pay off a XXXX XXXX is to pay the entire balance due on their credit card. The company is charging interest on the XXXX XXXX and interest on the Standard balance, which is unfair and deceptive to the customer. The customer should be allowed to pay off a plan to avoid any additional finance charges due to them but this is not an option. It appears the company is trying to " rack up '' any additional monies they can from the customer, which is an abusive practice.
Complaint sub-issue: Their investigation did not fix an error on your report

EOS CCA XXXX XXXX for {$840.00}. The date is XX/XX/2019 2019
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax and XXXX allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per Resurgent Capital this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. Resurgent Capital replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX credit file and it will not report until they furnish me with all the info I requested l. I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX funding is reporting to the credit bureaus. Something is fishy and stinks in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, XXXX XXXX XXXX. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.
Complaint sub-issue: Was not notified of investigation status or results

On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the Equifax data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.
Complaint sub-issue: Debt was result of identity theft

In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to citi bank. An invistagation was suppose to be made but was not and they sold the debt to XXXX XXXX. When i was contacted by XXXX XXXX debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at law XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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
Complaint sub-issue: Account status incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB  XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed several times to equifax and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Complaint sub-issue: Public record information inaccurate

I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.
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 name : 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

To Whom It May ConcernI was a student XXXX at XXXX College XXXX, California XXXX XXXX XXXX XXXX XXXX shut down without any notice while I was enrolled as a student without any notice in XXXX 2015. I have found out that XXXX College has secured XXXX loans on my behalf from following lenders ; 1 : Genesis Lending XXXX in the amount of {$50000.00} : XXXX in the amount of $ XXXXBoth of these loans were taken without my knowledge and now lenders are asking for the repayment. I was still enrolled as a student while the College shut down and have not completed the program. I do n't have a job and ca n't repay the loan. 
I kindly request that an action should be taken against the college and lenders should be paid by college. This matter has causing me a lot of XXXX and I have to answer the inquiries about by these lenders over phone. Lenders have been sending me the statements and I requested them to stop but they have suggested I should file complain at Consumer Finance. 
Please feel free to contact me if there is any information needed. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and EQUIFAX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX.
Complaint sub-issue: Information is not mine

i have disputed and asked equifax credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and this credit bureau is refusing to provide validation. i need this fix asap. pls help me. thank you.
Complaint sub-issue: Deposits and withdrawals

Text message to my XXXX XX/XX/2022 : " XXXX ( XXXX ) XXXX ; CITI : Your account has locked and requires verification, to restore access ... '' I haven't opened this text, and aside from the faulty XXXX syntax, I know this is fraudulent because I have no CITI accounts. Sorry I don't know how to forward unopened texts.