Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Their investigation did not fix an error on your report

I contacted Equifax today at XXXX XXXX  I spoke with XXXX in the dispute department to dispute a XXXX XXXX account that is being reported on my credit file. I've went through steps 1 and 2 in disputing the item which suggests that I owe XXXX dollars in XXXX XXXX   which is a closed account. I requested from Equifax that they provide me with a written wet inked contract that bares my signature on it within 30 days per FCRA 609 But XXXX requested that I send something to them proving that the debt is not mine the law clearly says that the Credit reporting agency that is reporting anything on my file should have maximum proof that the item belong to the consumer. In this case maximum proof will be a contract with me and the debt collection agency. I also informed XXXX that if she refuse to provide me with the requested documents she can be sued in the Court of law XXXX then hung up on me.
Complaint sub-issue: Information belongs to someone else

I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX  Please remove these fraudulent accounts
Complaint sub-issue: Was not notified of investigation status or results

In XXXX I sent letters to report inaccurate accounts on my credit report. I was not informed of these debts and as the original debtor, I should have been. I would like these removed from my credit report which is causing some hardship, and to be furnished with new credit reports with them removed.
Complaint sub-issue: Debt is not mine

This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections.
Complaint sub-issue: Debt was paid

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting???
Complaint sub-issue: Information belongs to someone else

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, I submitted a complaint to the CFPB against Account XXXX XXXX for an inaccurate, erroneous and unverifiable entry that was placed on my account. XXXX XXXX XXXX responded by stating that they were informing me that they were instructing the bureaus to DELETE THE ENTRY!! ( See attached ). To date, Equifax has not done so. Equifax needs to delete this entry and provide me a copy of my updated credit report that reflects the deletion.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDUCATION 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 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.
Complaint sub-issue: Received bad information about my loan

In XXXX I had all my loans consolidated into direct loans and applied for and was accepted into the public service loan forgiveness program. I learned on XXXX/XXXX/XXXX that XXXX of these loans from XXXX ( which happen to be among the oldest loans ) were never consolidated. At that point, 2 years into the public service loan forgiveness program, I am told that they will have to be consolidated and the clock for these XXXX loans, which account for 20 % of my balance, will begin once this additional consolidation process is complete. 

This error leaves me with an additional two years of loan payments I would not otherwise have been required to make. 

I have presented this issue to Fed Loan Servicing via electronic submission and mail as well as phone calls made to the general customer service number and the ombudsman. The resulting communication from their representatives was that this has happened to others and the situation can not be helped. 

Thank you for time and consideration.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX BANK XXXX, XXXXXXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/2018. This account is fraudulent and does not belong to me. XXXX opened on XX/XX/2018. This account is fraudulent and does not belong to me. Police reports have been mailed to the credit reporting companies.
Complaint sub-issue: Account information incorrect

DIRECT TO EQUIFAX : Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Complaint sub-issue: Debt is not yours

I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
Complaint sub-issue: Problem during payment process

Over the past couple months when I fell behind on some payments, I began working with them to bring my account current. I initially spoke with someone in late XXXX who advised me that she could bring my account to current status if I could make payments of {$140.00} every two weeks. I agreed. I got a call a week or so later from an Account Rep who said the previous rep was wrong, I would need to make payments of {$160.00} every two weeks to bring my account current. I was frustrated at the apparent misinformation but agreed. Finally, in late XXXX, I received another call from an account rep letting me know that the gentleman on the prior call was wrong, and I should make payments of {$170.00} a month. I agreed. 

A payment was pulled from my bank account in the amount of {$170.00} on XX/XX/20 and posted. Then on XX/XX/20, another ( unauthorized ) payment of the same amount was pulled from my account, causing it to go negative, resulting in a {$28.00} NSF fee from my credit union. 

I contacted support via Discovers  messaging feature in the mobile app but did not receive a response. I am frustrated at the unauthorized charge and its affect on my finances. The pattern of misinformation and unauthorized payments makes me feel nervous and at their mercy when I am already in a delicate financial situation. Im sure this is happening to other customers if its the case with me. It seems very predatory. 

Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report late payments on closed accounts which have been disputed by me as incorrect reporting between XX/XX/XXXX-XX/XX/XXXX.Equifax has repeatedly failed to do a reasonable investigation and/or provide their method of verification for these alleged "verified" inaccuracies.The following accounts  still include errors and/or possible violations of the FCRA.•XXXX XXXX XXXXa)Account closed XX/XX/XXXX;(29) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date of Last Payment inconsistent with Payment History.c)Balance $XXXX larger than High Balance/High Credit of $XXXXd)Balance being reported on a Sold/Transferred account.e)Date closed incomplete•XXXX XXXXa)Account Closed XX/XX/XXXX; (7) Late payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date closed incomplete•XXXX XXXX XXXX a)Account closed XX/XX/XXXX(31) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB:XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL  XXXX ATTENTION DISPUTE DEPARTMENT To Whom It May Concern : Your company have  violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a  policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX  {$4300.00} Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.
Complaint sub-issue: Debt is not mine

There hospital bills which does n't belong to me. It was my EX Husband who was under my health insurance. I have not sign anything at the hospital that I am responsible for any payment.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I asked the debt collector to contact me via email. They are refusing to do so and are calling all my family members and harassing them.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/ to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have called company multiple times over the past few weeks and submitted claim to get this resolved and the issue is still not corrected. I am unable to view my credit report and score and mortgage company can not generate report stating the credit file is suppressed. I spoke with Equifax who stated they could see my report and score on their end and did not know what the issue was. this is very concerning as they have no other alternatives to resolve the issue outside of escalation. I can not close on my home until this issue is correct in the prior complaint Equifax never corrected the problem.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase online through an ad on XXXX to buy a 799 pc tool set and a 12.5ft flexible Aluminum ladder. 

I received a 12pc tool set and some small pieces of plastic tied to strings I disputed the charge with Citibank noting the Product was not as described Citibank asked that I sign a letter and send them pictures of the product. I did so on XX/XX/XXXX via email. 

Citi removed the provisional credit on XX/XX/XXXX noting that the merchant sent a tracking number and the item was received. Citi requested that I sign another letter noting that the iem was not received. 

I spoke with a representative in late XX/XX/XXXX who noted that the letter was incorrect, they could see the pictures I sent were not of the product ordered and that they would resolve the issue. 

On XX/XX/XXXX I received another email noting that I had a document. The document was the same document noting that the merchant sent a tracking number for the product and my provisional credit was removed. 

I called Cit on XX/XX/XXXX and they said I had to sign the letter by XX/XX/XXXX or the dispute will be closed. I noted I can't sign the letter because I have receive a product but it was not as described. I noted that I was already told this would be resolved by the previous Rep and they said that was false. They recognized the letter is erroneous but " This is the process '' and I have to sign it. I spoke with a supervisor that said " This is the process '' and they will talk to the investigator to get a new letter out, but I have to sign by XX/XX/XXXX. I can't sign the letter since it is wrong so I get to wait for Citi to fix the error and sign a letter AGAIN saying the product is not as described. 

Citi makes disputes extremely difficult to avoid their federally required responsibility and passes fraud on to consumers.
Complaint sub-issue: Trouble with how payments are being handled

I submitted a recertification of my IDR to Fed LoAn Servicing. However, I was not required to do so until XX/XX/2023. I contacted Fed Loan Servicing to cancel my IDR but my request was denied because it was still being processed. I later resubmitted a request to retract my IDR once I received the letter confirming its implementation, and I was assured that this time the request would be approved within 1-2 weeks. I have still not heard back from Fed Loan Servicing and I need the IDR reversed before the loan terms are transferred to XXXX in a few weeks. The servicer is clearly attempting to dodge my requests, and the issue has not been resolved in a timely manner. I am legally not required to submit a new IDR for another year, and therefore, my calculated payment should be returned to the same payment as it was pre-pandemic before the loan freeze. I would like a letter from my fed loan to confirm this!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, and Equifax are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Fraudulent credit inquiry dated XX/XX/2021 in an attempt to get credit in my name.
Complaint sub-issue: Trouble with how payments are being handled

Each year I submit an IBR request to my student loan company, American Education Services. Each year, they tell me it is incomplete because my spouse has not put her federal student loan data into the application. Every year she does. Then they take out an huge payment before it gets fixed. Last year, I got someone involved to deal with the situation. They have done the same thing this year. However, this time, the didnt approve the IBR for the same reason. We were on top of it and got it taken care of. I called and verified it was taken care of. My payment was reduced from the prior year and it was debited out of my account as such. Then, this month, they tell me my IBR was not approved for the same reason. They debited several hundred dollars out of my account that was unexpected causing overdrafts and not being able to pay bills. They tell me I have to resubmit the application for a third time. Yet, they have already approved the IBR plan as evidenced by the changed debit amount from my account for the lost year. I fell they are taking advantage of student loan borrrowers by losing information and telling me I have not done my due diligence when I have. I have done more than what is necessary to ensure my IBR plan.

In XX/XX/XXXX, I received a letter to reapply, which I did. My spouse completed her portion. Then they told it was too early. I did it again. My spouse and I entered our PIN numbers in the student loan database so they could have access to it in XX/XX/XXXX. OnXX/XX/XXXX, they stated that they sent a letter denying the request. The payment was too high. I told them they didnt calculate my wifes student loan information. I called and they said they didnt have access to my wifes student loans amounts. On XX/XX/XXXX. They told me to get it in and to call back that they received it. My wife completed the information and onXX/XX/XXXX I calle back to verify. I was told everything was done and my payments would be {$240.00}. This month they debited {$770.00} out of my account and told me IBR wasnt approved. However, my payments the year prior were around {$260.00}. They have now told me they are going to expedite another IBR request to the processing department. They are going to request a refund, which will take up to 30 days. In the meantime, we have bills to pay and no money to pay them. Further, other bills are being automatically debited for which I will receive more overdraft fees.

It is worrisome that I go through this every year with them. My wife has an XXXX XXXX and I have a XXXX XXXX. We dont have problems with her student loan company, just AES ability to receive and process paperwork.