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

FedLoan Servicing is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that FedLoan Servicing is reporting on my credit report. If FedLoan Servicing can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to FedLoan Servicing in regards to this issue but have yet to receive a response.
FedLoan Servicing XXXX XXXX XXXX XXXX, PA XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
<P/>
I demand the following account be properly verified or removed immediately.
<P/>
NameofAccount : Date Reported : ProvidePhysicalProofofVerification : FedLoan Servicing {$46000.00} XXXX XXXX, 2011 Unverified Account
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent Equifax a request challenge the accuracy, compliance and reportability of listing XXXX Acct # XXXX. This account does not belong to me. 
Asked to validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. My letter was received by their Equifax Representative and picked up at the USPS post office on XX/XX/2021, tracking # XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX. 

Today, XX/XX/2021 I did not receive any response from Equifax that they are working on my XX/XX/XXXX letter. I have sent another letter to Equifax for 30 day Non-Response to my request. I am being completely ignored for what they are reporting on my credit file. XXXX  XXXX was not able to substantiate XXXX account in their file therefore was deleted on XX/XX/2021. I have enclosed and uploaded all letters, USPS delivery signatures and XXXX  XXXX deletion letter.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, my free annual Equifax credit report request was delivered to the following by Certified mail XXXX XXXX XXXX : XXXX. 

Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have not received my Equifax credit report in the 3 months since my request was delivered. 

Last year ( XXXX XXXX, the SAME THING happened and I never received my Equifax report that I requested last year. 

XXXX XXXX XXXX, my XXXX XXXX, sent her request for her free annual Equifax credit report. She also did NOT receive her Equifax report. It was sent by Certified mail XXXX XXXX XXXX : XXXX. Her SSN ends in XXXX.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.
Complaint sub-issue: Information is not mine

I have never lived at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never worked at XXXX XXXX.
Complaint sub-issue: Debt is not yours

I just received an email from Jefferson Capital Systems , LLC. mentioning that they have important information about my account. However, when I viewed my credit report, I do not have any collections on either my XXXX  and XXXX  reports. I called the number provided and they immediately asked me for my " reference number '' but I was not given one, and they also asked for my Social Security Number. I just hung up the phone and did not want to deal with that. The email they sent me was from XXXX, and their own website states that they use that email for outgoing emails. 

I am not aware of any debt outstanding.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called XXXX, Equifax and XXXX. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a XXXX   XXXX behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX US Dept Of EDU {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX/XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX  XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX   XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX  XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX and Chief Client Officer Equifax LLC XXXX XXXX XXXX XXXX Equifax LLC XXXX XXXX XXXX Equifax LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President XXXX   fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice  President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX   XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX  XXXX XXXX XXXX XXXX Director-XXXX   Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Complaint sub-issue: Public record

In correct information of my credit report including a number and fraudulent accounts open in my name.
Complaint sub-issue: Need information about your loan balance or loan terms

I 've had a student loan with  Citibank  since  XXXX .  Citibank  wrote me a letter in early   XXXX   XXXX   informing me that effective   XXXX   XXXX   XXXX  , my loan would be transferred to another lender  (  XX/XX/XXXX  ) . However, when I attempted to contact  XXXX  after that date, they informed me that they had no record of my loan. I believe that my loan was paid in full sometime  in  XX/XX/XXXX , but I have not been able to get in touch with anyone at Citibank to receive confirmation of the status of my loan. Citibank has shut down their online customer services, so I can no longer log on to my account. Citibank has also shut down its call-in number, so it 's impossible to get a customer representative on the phone. I 've written Citibank a letter asking for information regarding the status of my loan, but have not yet heard back. As my lender, my understanding is that at the very least, Citibank should be requi red to provide information to me about whether my loan has been paid off or if not, who it has been transferred to.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I should remember actually date because I came XXXX  three years ago till now especially with discover credits and XXXX XXXX with XXXX XXXX even XXXX XXXX are not reporting the right figure someone when to fit wrong impression on my XXXX XXXX that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation
Complaint sub-issue: Their investigation did not fix an error on your report

I sent verification letters and disputed these inquires online and these Inquires that aren't verified but Equifax deems as factual and Equifax refuses to show proof of verification and yet won't delete the inquiries from my report. 


XX/XX/XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I recently noticed a {$500.00} Moneylion on my credit report which i never obtained, or was obtained by someone illegally under my name. I have contacted XXXX to dispute this account now onto collection, but they are unable to verify the authenticity of the loan and are referring me back to Moneylion. After weeks and hours of attempting to contact Moneylion i have had no success getting a live person to help me or any calls or emails back to address this issue. My credit has been negatively affected by this, its a default loan now through collection and worst of it Moneylion should have verified the identity of the persons who they provide loans to. This is illegal and I need them to fix this!! 
Desired Resolution : Correction to a credit report Desired Outcome I need the correction on my credit report and i need the business to contact me on how this happened and a formal apology!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I tried to use Klarna to buy a product from XXXX XXXX XXXX. Klarna advertises themselves as XXXX with only soft inquiries. However after I tried to make the purchase I got a hard inquiry on my credit report. At no point in time during the process they mentioned anything about a " hard '' inquiry, they used the term credit verification which is very misleading noting the very " clear '' marketing and advertising that they only pull soft inquiries. I tried to dispute with the company but they said it was written in the terms and conditions, and when I asked for a copy where it says hard inquiry they failed to provide one. 

Here 's a copy of their website. 
https : //www.klarna.com/us/customer-service/klarna-perform-credit-check/ During the check our process they had a small note that says " we will do a credit verification '' which is again very misleading as they don't intentionally use the word soft or hard when they are clear that they do soft verification.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have never applied for a credit card with discover. I spoke to a agent they said they would investigate and remove the card in the middle of the so called investigation they sold the account to a third party. This is a fraud account. I have went to the police department as well as notified the ftc. Reports are enclosed.
Complaint sub-issue: Debt was result of identity theft

AMERICOLLECT ( Original Creditor : XXXX XXXXXXXX XXXX ) is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX amount {$220.00}. This is not my account. I have disputed with XXXX, Equifax, and XXXX and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this account.
Complaint sub-issue: Was not notified of investigation status or results

Equifax is reporting 4 derogatory accounts on my credit report with no creditor lkistged. I am unable to send out validation request because i am unaware who is reporting these accounts or if these accounts belong to me. I have sent 2 disputes letters to equifax since XXXX asking them to investigate these accounts and i have yet to receive a written response or see any updates on my credit report. 

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

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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
Complaint sub-issue: Information belongs to someone else

I have sent XXXX, XXXX, and equifax everything that they ask me to send them to show that I was a victim of identity theft
Complaint sub-issue: Trouble with how payments are being handled

I am reporting predatory loan practices from AES/PHEAA. I am the cosigner on my son 's student loans through AES/PHEAA in Pennsylvania. The school XXXX was attending was XXXX College. He has paying on his loans for several years, I believe since 2009 ( although sometimes late but the late fees are typically less than {$5.00} ). There are two loans and AES is showing them both current but PHEAA is  saying he is {$600.00} in arrears and they will garnish his wages at the end of this month. I believe that someone at AES is either misapplying the payments or worse, pocketing them into their own account. The reason I believe this is that the original loan amounts were {$4700.00} and {$5300.00} but have only gone down to {$4300.00} and {$4800.00} after all these years. They also turned us in to a credit agency and my credit score was lowered due to AES 's improper accounting.
Complaint sub-issue: Their investigation did not fix an error on your report

my name is XXXX XXXX my equifax confrmation number is XXXX social XXXX bate of birth XXXX/XXXX/XXXX my complaint is that i talk to equifax serveral times that the XXXX bank card account XXXX along with all thehard inquires from XXXX XXXX and XXXX XXXX and XXXX XXXX and all other hard inquires are fraud and the XXXX XXXX XXXX XXXX refuse to remove all hard inquires and XXXX bank card off my report due to fraud. please talk to these people at equifax. XXXX removes inquires why equifax cant.
Complaint sub-issue: Problem accessing account

This is about both my new savings account and my new checking account, but this system only allowed me to choose one account. 
I opened new savings account XXXX and new checking account XXXX and tried to link them to my XXXX XXXX  account. But XXXX was unable to verify the accounts. I phoned Citi and spoke with XXXX on XX/XX/XXXX ; he confirmed that my accounts were open and said he's email me a letter that I could send to XXXX, stating that these are my accounts. However that was over a week ago. I have not received any emailed letter, so I am still unable to link the accounts to my XXXX XXXX  account and thus unable to fund the accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I have always been in good standing with my XXXX/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and XXXX/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX XXXX, not hers. When on the XXXX/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.
Complaint sub-issue: Account status

My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.
Complaint sub-issue: Account status incorrect

In late XXXX, I paid off our US Bank credit card ending in XXXX. The account was at a {$0.00} balance. In the summer of XXXX, as I was reviewing my credit report, I saw the delinquency being reported for this card and I called immediately to find out what was going on. I learned that there had been a charge for a XXXX account, originating in the XXXX ( if I remember the country correctly ), for {$15.00}. Apparently, XXXX had flagged the account as being fraudulent, as there were no subsequent charges for this recurring streaming service, but despite their noting this to be a fraudulent charge, US Bank did not reverse it and then allowed it to incur interest, late fees, etc. In working with US Bank, they immediately but provisionally reversed the XXXX charge on XX/XX/XXXX and after investigating, made the reversal of the charge permanent on XX/XX/XXXX. On XX/XX/XXXX, they reversed all late interest and late fees, as they recognized I had a XXXX balance on the account prior to the fraudulent XXXX charge, and because I had excellent account history with them. Those reversals were permanent as of XX/XX/XXXX. As of the XX/XX/XXXX statement, the account had a XXXX balance. In conjunction with these reversals, US Bank agreed to update the credit reports of all 3 credit bureaus. However, this has not happened and US Bank is still reporting that I was more than 90 days passed due in XX/XX/XXXX and then again in XX/XX/XXXX - months after they corrected the account.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the fair credit reporting act Equifax Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND EQUIFAX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and equifax never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that Equifax stating they removed them from my credit report
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2021, CitiCard told me that my credit limit would decrease XXXX  XXXX dollars effective that same day. This is against the law that they need to give 45 days notice of a major change. I now have late fees for my utilities and it affected my credit score to have a large decrease. I had paid my bill ontime each month with the exception of a bill due XX/XX/2021. I had been out of town and could not log into my account and did not have the credit card. This is hardly a reason to all of a sudden drop the credit limit without warning. I am unable to log in online at all currently even though I just paid the past due balance plus some. It was not even a week late. I had to request a new card so I am unable to log in at all to get the messages from their secure message center.
Complaint sub-issue: Old information reappears or never goes away

Equifax is reporting inquiries that is over 2 years old which should have been deleted