Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX will not Remove my an account with adverse information. 
I have a collection that is only on my XXXX XXXX credit report from Amerifinacial Solutions, XXXX XXXX XXXX XXXX, MD XXXX. They state that I owe {$210.00}. I the consumer never gave written permission for this to be on my consumer report. Also XXXX XXXX states that " for any account that contains medical information, the information following 'Medical- ' is not displayed to anyone but you except where permitted by law. ". On my my report for Amerifinacial Solutions it states that this is originally from XXXX XXXX XXXX XXXX which clearly is medical. Anyone can see that this is XXXX. nowhere in my report is it stated that this is 'Medical- '. 
Also XXXX XXXX told me, the consumer that I must take this up with Amerifinacial Solutions, a company that i have never contracted with.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX said that they deleted the debt from all credit bureaus but Equifax refuses to delete the debt. I have sent dispute letters to Equifax XX/XX/2020 and have yet to receive any acknowledgment back. Equifax thinks they are above the law. Per FCRA credit reporting is supposed to be accurate. Equifax has allowed inaccurate information to be on my credit report. The collection agency sent a deletion to Equifax and they are ignoring them. I have inquiries on my credit report that wasnt made by me and yet Equifax still allows them to be on my credit report. I have no choice but to sue them if they dont remove this collection and inquires in 30 days. Equifax needs to know they have to obey the law like everyone else. Equifax is messing up my credit by not reporting accurate information. I cant even buy a house because of them.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to XXXX XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Problem with personal statement of dispute

attempting to open Discover card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.
Complaint sub-issue: Received bad information about your loan

This is the latest email I sent FedLoan Servicing, which I believe details the issue : I just received the results of my PSLF progress and it is NOT correct. I have spent 15 years in non profit public service. And while I have had periods of deferments, I have had periods where I was making IBR payments. Also, the current deferments because of COVID are also supposed to count towards payments. My results say that I have only made ONE eligible payment. With the waiver/application I submitted several months ago I re certified my employment with all three of my eligible employers, which include SERVICE ACCESS AND MANAGEMENT ( non profit ), XXXX XXXX ( government ) and DEPARTMENT OF CORRECTIONS ( government ). Your chat lines are never available, I have made numerous attempts to speak to someone before and through this process and it has proven to be impossible to reach someone.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A debt collector filed a derogatory comment with XXXX and Equifax ( but not with XXXX  ) which I dispute. I logged into XXXX and filed my dispute which was very quickly resolved and the derogatory comment removed. But, I could not get logged into Equifax and could not speak with anyone on the phone until they mailed me an access code. When I finally received the code, I still could not log in, but was finally able to speak with someone on the phone. But they told me they did not see the derogatory comment in my file. I had just obtained a copy of their report thru XXXX XXXX and told them exactly where it was and that my credit score had decreased as a result. After lengthy time on the phone they finally agreed to file a dispute. It's been several weeks and hadn't received status so attempted to contact them again with the same results as my initial attempt!! I have no confidence they will get this resolved or even really try, they are just doing some bogus stall to get me to give up!. When I filed a complaint with them, they pulled a similar stall/obfuscation maneuver ....
Complaint sub-issue: Reporting company used your report improperly

Citibank NA closed my Sears credit card for inactivity when in fact there are no XXXX XXXX or XXXX stores. I do not shop on line as I am a former IRS employee whose background information was stolen from the federal records database in XXXX of XXXX. 

Citibank NA reported the closure of my oldest credit card ( XXXX XXXX initiated in XXXX ). The closure will undoubtedly affect my credit bureau scores. 

I am requesting assistance in this matter as it has a negative material effect on my financial status. Citibank NA refuses to offer me any recourse.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX ***, XXXX XXXX Account # 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: Information belongs to someone else

My personal information was compromised about 3 years ago due to Equifax 's negligence to insure reasonable security measures of all consumer personal information
Complaint sub-issue: Information belongs to someone else

To whom it may concern : Equifax is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, Equifax Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require Equifax to provide the following information to any consumer : How did Equifax verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
Equifax failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA XXXX. I am requesting that the information being reported in my Equifax Credit report be Corrected. 

Best regards, XXXX XXXX XXXX
Complaint sub-issue: Problem with the interest rate

This loan was a end of lease purchase : never had a 30 day late although pretty much run loan payment more than 20 days due to other financial reasons. Don't think loan should have been underwritten as a Teer 3, maybe Teer 2 at best due to high utilization not bad credit or delinquency. But this is not my biggest problem, I have some control in the near future in possibly seeking a loan from my credit union. The biggest issue is getting the Robo auto dial calls at least 10 or more times a day, can show on my cell call logs, everyday except Sunday, I think the phone bliss should be illegal, with all the other stress I am currently dealing with is starting to effect my health. I have not missed a single payment on none of my bills, just run over 20 but never 30 days. 

I am getting bliss with auto calls from this VW credit on a daily routine, I wish they were local so go pay a visit, but its most likely best there not because you all have no idea what goes through my mind at times that I don't want to disclose. I will be drafting a stop order on phone calls which is protected by Fair Credit Act
Complaint sub-issue: Information belongs to someone else

EQUIFAX NEEDS TO RESOLVE THIS IMMEDIATELY AND REMOVE THESE ENTRIES FROM MY REPORT!
Complaint sub-issue: Reporting company used your report improperly

The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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: Need information about your loan balance or loan terms

Hi I am in desperate need and would greatly appreciate your help. I called both XXXX as well as Nelnet requesting the original Promissory Note signed for the loans in question and was told that neither servicer had them in their possession. I called the Department of Education and I was told that I was not in their system. I logged onto XXXX and saw that they were reporting all of the student loans as closed. Then logged on a couple of weeks later and the loans were back active. I submitted a dispute to all three credit bureaus stating that they did not have the promissory note and I received a response from Nelnet saying that I had previously signed a forbearance ( hardship ) .Obviously, I signed the hardship forbearance because I could not afford to make the payments. I received a call from XXXX today and I was told that they will send me something in the mail soon ( possibly a promissory note ). I am not saying that I don't owe a student loan, I'm saying that I have no idea which loan is legitimately mine. I am confident that all of the loans that both XXXX and Nelnet say are owed by me are not mine. I have been dealing with illnesses most of my life but deemed XXXX in XX/XX/1998 by Social Security. I've tried working twice but found myself continuing to battle my illness which keeps me unable to work. I'm just asking for fairness and clarity. I was a victim of identity theft with XXXX XXXX, someone was stealing what little money I had. I filed a police report last year. Hopefully, whoever it is will be caught. Meanwhile, I am begging for your assistance. Please help me to secure the original promissory notes for all of the loans that have been assessed to my account. Thank You!!!!
Complaint sub-issue: Investigation took more than 30 days

I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from XXXX XXXX.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX XXXX XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from XXXX XXXX for {$400.00}. I called XXXX to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that XXXX did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from XXXX ( letter attached ). I have emailed XXXX through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from XXXX or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting XXXX to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of 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 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA XXXXection 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}
Complaint sub-issue: Information belongs to someone else

Unauthorized accounts and charges along with collections and unknown opened accounts with my personal information
Complaint sub-issue: Investigation took more than 30 days

wrong information being reported on my credit report, and its affecting my daily life in a bad way causing XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

Our identities and accounts were stolen because of improper security with Equifax. In XX/XX/XXXX they knew of the issue and did not report it until 2 months later.