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

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
CURRENT ADDRESS 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: Their investigation did not fix an error on your report

Letters was sent to Equifax, XXXX and, XXXXXXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Ive called multiple time in regard to my fraud claims in the total amount of {$5500.00} on XX/XX/22. I have not received and communication for this claims for over 30 day. In XXXX I received my statement stating the {$5500.00} was reversed back to my balance without any explanation or how the investigation was conducted. I called back on XX/XX/22 to see why it was reversed, the representative stated it was because I have not completed a form that was sent out there for the claim was closed. I explained to the repersentative that I have not received and form or document in the mail and ask to reopen the claim. The representative also advised me to keep an eye out for the form that will be sent in the mail for them to complete this fraud claim. Ive have called them multiple time in the month of XXXX to check the statues of my claim and the reason by {$5500.00} is not temporary adjusted in order for me to make my monthly payment. No one in the investigation department and give me an answer and now I have late fee and other charges to my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

fraudulent unauthorized inquires that I see on my credit report which I did not authorize
Complaint sub-issue: Information belongs to someone else

Went to my XXXX credit report app and notice incorrect information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I sent letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Complaint sub-issue: Debt was result of identity theft

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX # XXXX ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. XXXX has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of receipt by such agency of -- ( 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.
Complaint sub-issue: Information is not mine

XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Allied Interstate LLC - Called my place of work and harassed me, they committed an illegal action against the Fair Debt Collection Practices Act by calling my place of work.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

CREDIT REPORTING ORGANIZATIONS SHOWING ME RESIDING AT XXXX XXXX  WHICH I NEVER HAVE. ALSO SPEAKING WITH XXXX ( XXXX XXXX XXXX XXXX THEY STATED ACCOUNT /CREDIT CARD WAS ISSUED USING MY NAME IN XXXX FLORIDA
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX ,  2017 I  sent a letter via certified mail with return receipt to  XXXX  and Equifax Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On  XXXX   XXXX ,    2017 I re ceived notification via USPS that the letter had been received by   XXXX    and Equifax. I have yet to hear anything from   XXXX   or Equifax regarding this matter. I have not received notification that my dispute has been received. I called  XXXX  and Equifax Customer Service disputes dept on  X/XX/2017   , I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.
Complaint sub-issue: Information belongs to someone else

It appears that my file credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im 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 these accounts. 
XXXX BANK XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} 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: Don't agree with the fees charged

I was a student at XXXX XXXX XXXX XXXX, from XX/XX/XXXX-XX/XX/XXXX for their XXXX XXXX XXXX. 
I was force into taking out loans that I could not afford and I was promised high paying XXXX XXXX position once I graduate. Which did not happen at all. Once I was done with the program. I begin to struggle to pay back the loans due to working XXXX  and making {$9.00} per hour.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Their investigation did not fix an error on your report

Unauthorized use of my credit report. this company sent me a letter saying they would remove these accounts, but they are still reporting to my credit report.this is very misleading and deceptive to me the consumer Please remove these accounts from my credit report asap.
Complaint sub-issue: Problem getting my free annual report

I need to check my son and daughter 's credit reports to make sure there is n't any fraudulent activity. They 're XXXX years old and XXXX year old. We had received a letter from XXXX saying that their system was hacked ( a few months ago ) and that our personal data may have been compromised and I totally forgot about it until now. I just want to check their reports and make sure everything is okay. Thank you so much!
Complaint sub-issue: Funds not received from closed account

I've reached out to you about this situation back in XXXX US bank replied and told me my account was going to be closed as of XX/XX/2021 bit the account is not closed my funds is just sitting there I'm being charged fees and when I call the representatives can't tell me anything I was able to get hold of what was suppose to be a senior banker who was rude XXXX and XXXX at this point I don't know what to do and feel it's unfair to me to keep getting charged fees when my account should've been closed my account has been under investigation since XXXX it's XXXX and still nothing this is crazy please help
Complaint sub-issue: Problem accessing account

On XXXX I entered the bank of BB & T and they stated my account was BLOCKED due to XXXX ( XXXX XXXX XXXX ) this account was not my personal account this account is my business account. Source stated that it was due to check fraud. Back in 2015 I disputed all information regarding this fraud with proof of Identity theft and also disputed this information with XXXX XXXX and found that I was not at fault. XXXX stated that the did a dispute with XXXX XXXX XXXX to prove that it wasn't me and that the information that came back from them was accurate stating that I have two accounts with them. This information was inaccurate and even XXXX stated that the information was inaccurate. XXXX is owned by big time banks and XXXX XXXX XXXX  and BB & T are one of them. Now my business account is on block and I have important things to do. this is ridiculous that they would do this and I'm very upset.
Complaint sub-issue: Received bad information about your loan

Nelnet and department of education has been reporting as my student loan provider. When I received the LOANS in XXXX and XXXX as Nelnet claimed, I was never given any disclosures. For all these years, I never knew about the Gramm-Leach-Bliley Act ( GLB Act or GLBA ). Its just recently I stumbled upon information about consumer rights and laws written by Congress. I began studying about consumer law and studied 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. as per 15 USC 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. As long as I had my loan with them they neverdisclosed this. Presently I am challenging this, they are telling me I knew about it because I signed the Promissory note. My reply was that they were not clear and conspicuous and no one ever pointed that out to me. Why would I want my non public personal information shared? No one disclosed any of this. After reading the FTC and the GLBA, I found out that even if I signed the promissory note as they allegedly claimed, by LAW every year they were supposed to let me know about the privacy notice and disclosures as long as I am a customer and sending me an opt-out election from. I never got that choice. I requested a form XX/XX/XXXX. I signed and returned .They violated my privacy, they chose profits over people by withholding. 
In addition, according to 15 usc 1681 ( a ) ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
as per 15 usc 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Complaint sub-issue: Need information about your loan balance or loan terms

I am requesting FULL VALIDATION of the debt. I do n't want an account summary.
Complaint sub-issue: Old information reappears or never goes away

Since graduating from school in XXXX the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Complaint sub-issue: Account information incorrect

My bank bill pay stopped sending auto payments to my student loan company without my knowledge. I was unaware of this and was not contact by AES until after the payments were 60 days late. Once they called my I immediately issued payment, cleared up the issue with my bank autopay and continued making regular payments. I was then rejected for a home loan and car loan making it really difficult for me to care for my family. Upon learning from the mortgage company that I had a 60 day late payment from AES I took action. I explained my situation to AES and send them a letter requesting a Goodwill removal of the late payments. They immediately sent me a rejection letter. 
For 10 years I have paid on time and having student debt is a challenge for me and many others. To have a student loan company so quickly reject a goodwill request and harm me and my family is infuriating. 
AES 's new policy surrounding approved forbiddances covering and reversing any late payments should be illegal and is harmful to many. Please help me by looking into this immediately.
Complaint sub-issue: Debt is not mine

I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital.
Complaint sub-issue: Attempted to collect wrong amount

Lake City Credit refused to respond to the debt validation letter received on XX/XX/XXXX ( " Lake City Credit Tracking Confirmation Letter1 '' ), so yesterday XXXX, I filed complaint number : XXXX. Today, I received documents as proof Lake City Credit is violating the Texas Usury Law ( " Lake City Response '' ) by placing an extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' WITHOUT validating the amount owed ( {$9000.00} ). 

On the original contract sent by Lake City Credit on XXXX 's behalf it shows a total payoff as {$5800.00} ( price for furniture= {$2500.00} + {$3300.00} total interest ). The records sent also shows a paid amount of {$2300.00} as of XX/XX/XXXX ( last payment ) leaving a balance of {$3500.00} according to the contract which is different than what is listed on page 1 of the document sent by Lake City Credit showing an amount owed of ( {$4100.00} + additional interest of $ XXXX= {$9200.00} ). 

I would like to file a formal complaint because Lake City Credit continues to : 1. Attempt to collect on an account that is MORE THAN 7 yrs old 2. Attempting to collect a debt not authorized or agreed upon 3.  Lake City Credit refused to respond to the initial debt validation letter they received on XX/XX/XXXX ( See attached confirmation of receipt ). 

I tried to resolve this dispute with XXXX directly and was told by XXXX that they do not have any information since my account was sold to Lake City Credit.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. i never opened an account with XXXX XXXX XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. Im not sure why Equifax is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and Iwant something done about this!!