Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the PROG MGT SYS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Account information incorrect

I filed a complaint against Equifax as it pertains to two hard inquiries that were reporting on my credit report. That of XXXX dated XX/XX/2021 and XXXX dated XX/XX/2021. I disputed these two hard inquiries being reported on my credit report. I have attached a copy of the complaint that I submitted to Equifax through the CFPB. 
Equifax responded and I quote, '' NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ( End Of Quote ) When I checked my credit report online both hard inquiries were still reporting on my credit report. Please delete both hard inquiries from my credit file immediately please.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  accounts has violated my rights 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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: Their investigation did not fix an error on your report

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Complaint sub-issue: Threatened or suggested your credit would be damaged

FEDLOANS are illegally reporting negative payment history to the three nationally recognized consumer reporting agencies XXXX, XXXX, and XXXX. By doing so my consumer rights are being violated and pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) and 15 USC 1681a ( e ). The late payments were never supposed to be reported. Pursuant 15 USC 1681b ( 2 ) I do not give consent.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the Equifax data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You
Complaint sub-issue: Problem with personal statement of dispute

I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX  will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX  and they apologized but could do nothing for me
Complaint sub-issue: Non-sufficient funds and associated fees

I called the fraud department in XXXX once I noticed the XXXX dollars i deposited was so low i knew something weird was going on. Not only that this money came from my father that passed away XXXX its something I wouldn't of blew thru. I spoke with a lady named XXXX in fraud claim in XXXX also but she turned me down on the help I needed because I didn't have the transactions to depute besides saying this wasn't me. I went into the bank a few time made police reports been and still homeless due to this transactions aren't accurate they denied 2 appointments I made they moved my money without permission or notice then lied saying no they didn't. All I want is the proof besides the fake listing of inaccurate transactions that's not showing me accurate name nor amounts on a few transactions I'm the costumer why not give me what I need if everything accurate why dismiss 2 appointments why a manager lie saying we went over everything knowing I was emotional and the 1 1/2 was more of that til I was exhausted and called it a day went over a few transactions in XXXX when everything started in XXXX why XXXX XXXX didn't reach out for 2 months inside work being done they keep trying to cover up.
Complaint sub-issue: Information belongs to someone else

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Debt is not mine

I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.
Complaint sub-issue: Account information incorrect

This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.
Complaint sub-issue: Other problem

Repeated calls from XXXX today Tuesday XX/XX/2021. Did not answer first call ( unrecognized ) but answered 2nd call thinking it might be something important. Then : Distorted callers voice seemed foreign. 
Caller insists " we can lower your Discover Card interest rate. '' I asked " oh really, for which card? '' ( WE DONT HAVE ANY DISCOVER CARDS! ). 
Caller said " you need to tell me card number. '' I then ( stringing him on to see where he would go ) said " you know, the one you called me about. '' Caller said " the one you have with a 6 and a 0 in it. '' I then told him to we don't have a Discover Card & take me off your spam call list, to which he said " I can't do that. '' I then hung up.
Complaint sub-issue: Trouble with how payments are being handled

I am writing because of difficulties accessing the Public Service Loan Forgiveness program. I am currently a post-doc at XXXX and have been since XXXX. In XXXX, I sent in a PSLF verification form but received no response. In addition, my loans were not transferred from XXXX XXXX to XXXX  as required. This year, in early XXXX, I again sent in my PSLF verification, both by fax and by letter. I have again received no response. The PSLF form is correctly filled out : it was filled out by XXXX, whose HR department knows the requirements and explicitly confirmed in email she properly signed the document. 
I worry the continuing non-response will jeopardize my ability to participate in the program. Without being part of XXXX or MOHELA, I can not track the status of my PSLF applications or receive feedback concerning whether they have been accepted. I have other, older PSLF forms ready from earlier in my career but I do not want to fax and mail more documents that get me no closer to my goal.
Complaint sub-issue: Information belongs to someone else

As I am an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY.
Complaint sub-issue: Reporting company used your report improperly

Hippa rights has been compromised XXXX XXXX XXXX and Equifax has violated my rights 15 U.S.C 1681 section 602 A States I have a right of privacy which both company has violated 15 U.S.C 1681 section 604 Section 2 It also states a consumer Agency can not furnish a account without my written permission which has also violated They also said the information has been verified and did not send me procedure of the investigation and binding signature that I had a contract with XXXX XXXX XXXX due to all the violations XXXX XXXX XXXX has violated I'm requesting the accounts be deleted of my Equifax credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00}
Complaint sub-issue: Debt was paid

A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..
Complaint sub-issue: Account status incorrect

Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, equifax and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}
Complaint sub-issue: Other problem getting your report or credit score

From XX/XX/XXXX until XX/XX/XXXX there has been some sort of system glitch in Equifax to wear my entire 14 years of credit history has been wiped I cant see it and creditors are unable to offer me credit because they are seeing it as well. DISAPPEARED! I contacted Equifax on three separate occasions on the third occasion I finally got to speak to a person who told me that in their computer nothing is gone but on my end my credit score dropped from XXXX to XXXX and shows me having absolutely no credit cards no mortgage no nothing. The gentleman I spoke with did not care about the situation would not let me speak to a technical advisor to see if there was an issue with the online application and refused to help me at all. Another friend of mine checked his and his credit is gone too!! Equifax has had another breach and they are not reporting it nor letting anyone in the public know about it. When you called they either hang up on you or refused to help!!! This negligence is keeping me from being able to fund my small business. And its destroying my credit rating even though the other two bureaus are up-to-date and accurate.
Complaint sub-issue: Investigation took more than 30 days

I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX and XX/XX/XXXX I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on and a balance of {$6200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Complaint sub-issue: Old information reappears or never goes away

There are two delinquent charge off accounts on my Equifax and XXXX credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to equifax and XXXX that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.
Complaint sub-issue: Information belongs to someone else

I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Complaint sub-issue: Reporting company used your report improperly

Having checked the Equifax website to see if my information is at risk, I wrote to have my account frozen. I understand that, typically, this service costs up to {$10.00}, but I read tonight that they are charging {$30.00} for this service. The people who treated my confidential information carelessly are now going to charge me {$30.00} to try to protect it retroactively. NOT TO MENTION that the company waited for weeks to disclose the loss and is not forthcoming about what information was lost. OR the fact that their executives sold their stock before announcing the loss. INBELIEVABLE.