Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX. 

CBNA Said they will investigate the matter but never gave me an update. I would like to know a decision!

My credit score was fixed when they added remark code : dispute account information/ close by consumer My credit score dropped 50+ points yesterday when the changed the remark code to dispute resolved, consumer disagrees/ close by consumer The Dispute is not resolved
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXI XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, CXXXX XXXXXXXX # 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, 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: Credit card company isn't resolving a dispute about a purchase on your statement

I have a direct express card that I receive my Social Security benefits online. 

I had to dispute the charges which I notified them two weeks ago and they have not submitted me the form to submit the fraud and to request the interiocredit telling me investigation
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. The breached information includes SSN, home address, birth date and drivers license number.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.
Complaint sub-issue: Trouble with how payments are being handled

" My Great Lakes '' is a federal student loan servicer who services my student loans. I am trying to apply an extra payment to pay-in-full one of my student loans at 6.55 % interest rate ( payment made XX/XX/XXXX, received XX/XX/XXXX, applied XX/XX/XXXX ). However, Great Lakes will only apply the payment first towards any future payment due, and then any extra towards the loan I requested. In the past, I would call and have them adjust this so the payment is only applied to the one loan I wanted to make an extra payment towards - knowing that I have auto-pay set up and I am paid-in-advance ( no payment due for 1+ months beyond current billing cycle ). Great Lakes has changed their policy and are now unable to adjust excess payments to only the loan I request. Due to this, I am still being charged 6.55 % on the loan which should be paid off in full with my payment of {$2500.00} ( loan balance was {$2500.00} at time of payment ), and instead part of that payment is going towards my 3.03 %, 3.15 %, 4.25 %, and 5.35 % loans. Only {$2000.00} was applied to Loan Token XXXX, the remaining {$520.00} was applied towards other loans which are at lower interest rates.This means I am not gaining the benefit of paying off my highest interest rate loan, which means I pay a higher percentage per month in interest than I should be - this is money out of my pocket which they will not reimburse or correct. I do not want money, I only want my payment to be applied correctly, retroactively, only to loan # XXXX as requested multiple times so that it will have a " Paid-in-full '' status. Again, this is a policy change at Great Lakes which is not allowing me to apply a payment only to the one loan I request, where I was fully able to do this previously. This is wasting my money towards undue interest. In addition to multiple emails ( with my latest unanswered for 5 business days ), I called today on XX/XX/XXXX and spoke to XXXX ( employee # XXXX ) and was again told that they could not apply the payment only to my loan token # XXXX - like they have done several times in the past ( redirected an over/excess payment to be applied to only one loan ).
Complaint sub-issue: Account terms

I submitted a dispute on the credit bureaus on an account report it by XXXX Acc # XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.
Complaint sub-issue: Debt is not yours

I have been in contact with AFNI, Inc. over an alleged debt they now own, which they have supposedly purchased from XXXX. AFNI claims that I owe {$630.00} for an account number " XXXX. '' Six days ago, I asked AFNI, IncXXXX to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. AFNI HAS TOTALLY REFUSED to respond by way of such validation of this debt. In fact, this false bill can not be validated because I had no such account with XXXX. This bill may affect my ability to be hired for a position that I have submitted to for a background investigation. This false bill MUST be removed from my credit report at once!
Complaint sub-issue: Information belongs to someone else

I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  I XXXX {$790.00} XXXX XXXX XXXX {$22000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX XXXX Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

this is a resubmit with new information added so this is not treated as a dupIicate. they are saying they need more information on an account they are already reporting which makes no sense so i will attach A PAGE FROM MY CREDIT REPORT DIRECTLY. I have been dealing with a company reporting on my equifax credit report which has already been deleted last July for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is XXXX XXXX. XXXX  XXXX  is submitting invalid reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency
Complaint sub-issue: Information belongs to someone else

I filled Out An application Back In XXXX XXXX,2017. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers. 
Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I am filing this complaint because KASHABLE have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 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. Please resolve this manner as soon as possible thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

JEFFERSON CAPITAL SYSTEMS has reported a collection account to XXXX without my expressed written consent pursuant to 15 USC 1692c ( b ). This is fraud. It is also a direct violation of 15 USC 1692e - False or Misleading Representations under 15 USC 1692e ( 8 ) because credit information that is known to be false is being communicated to consumer reporting agencies. This company violates 15 USC 1692g - Validation of Debts, as well for the reason that I was never never sent a written notice to dispute the debt.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX {$5100.00} ; XXXX - XXXX   ; XXXX XXXX {$720.00} ;
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX : This vehicle was destroyed in a weather related accident on XX/XX/XXXX. 
I have spoken to XXXX XXXX XXXX XXXX numerous times that they continually report to the bureaus account is still be paid and in good standing. 
I have told XXXX and XXXX that I have not had vehicle since the date listed and they have since removed it. Equifax refuses and XXXX XXXX states that because I continually speak about it, that each interaction extends the trade that much longer. 
Further, Equifax is also stating that I have negative payments, yet I am paying as agreed with a XXXX balance. In XX/XX/XXXX, I received a letter clearly indicating my account was paid in full, yet they still report. My account was reported as inaccurate and would be corrected. My wife was a co-signer and all of her information has been purged, yet mine has not. 
Would like this removed once and for all.
Complaint sub-issue: Debt was result of identity theft

The following accounts do not belong to me : XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- # XXXX Every other Bureau removed this account. Equifax refuse to. I sent them an FTC report and a police report filed with my local police department and they still have not complied. These accounts are not mine and have not been verified. This has affected my ability to attain credit. Since Equifax has refused to comply and remove these unverified items listen on my credit I have filed a complaint with the CFPB, and contacted my attorney generals office. All proof is attached below.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Inquiry not authorized by me Hard Inquiry Equifax Mtg Inquiry from XX/XX/2020 XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I had an auto loan that went into default in XXXX of XXXX with XXXX XXXX XXXX XXXX. They eventually transferred the file to some collection attorney who I have never received a phone call or paperwork on. Back at he end of the year knowing I was getting to the 7 year mark I started a dispute with XXXX to get this item removed from my credit report. Based on previous credit reports obtained from XXXX and the correct data of when the loan went into default the 7 year mark would be XX/XX/XXXX. I received info back from XXXX  stating the company has certified the info is correct. I than sent a letter with back up paperwork with previous credit reports from XXXX  showing where it was originally noted that this info would come off my credit report in XXXX of XXXX. Please note that it is not on my XXXX  report or XXXX and hasn't been for some time. After XXXX  received my 2nd dispute the results came back ( which I will attach all info ) and states the company that reported the information has certified to XXXX  that the info is correct. I have sent dated documents to XXXX  which I will enclose and I feel that this Collection agency is lying and not giving them accurate information. Please help me as this company is reporting negative and inaccurate information on my report. I have tried to reach out to them via letter and have been unsuccessful in receiving a response. Name of Collection Firm is Grant & Weber
Complaint sub-issue: Information belongs to someone else

I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time
Complaint sub-issue: Debt was paid

I previously filed a complaint on this matter and the company, MRS BPO , LLC, agreed to withdraw further collection attempts on the incorrect billing. To my surprise, we received a new collection letter on this yesterday ( XX/XX/20 ) from MRS BPO , LLC in spite of the fact that they had agreed to cease collection attempts. This is a breach of their agreement and promise made in response to my original complaint.
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 ; -Account 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.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted my dispute with Equifax 30 days ago and have not heard or received any update. I called in and was told they never received my dispute. Please accept this as my dispute. This is to ensure that you have received it.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Every single day 2 or 3 times started back in XXXX XXXX Was in Major car accident
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 fraudulent charges to XXXX XXXX were made for {$120.00} twice. Filed a dispute with Citi and closed account with number ending in XXXX. Citi issued a new card. 

XX/XX/2022 ( Card was closed at this time card ending in XXXX. ) Fraudulent charge for {$76.00} made to XXXX. Filed a dispute with Citi Citi told me that I needed to contact XXXX. On XX/XX/2022, I called the number that was listed on my statement from Citi ( XXXX ) and talked to XXXX. She said there was nothing they could do. 

XX/XX/2022 received a letter from Citi stating my dispute has been closed and the {$76.00} is now my responsibility. 

XX/XX/2022 again contacted XXXX at the number listed on my account ( XXXX ) and talked to XXXX and they have no record of a payment for {$76.00}. I have auto pay set up with Spectrum using a different credit card, my monthly total is {$74.00} per month. 

XX/XX/2022 wrote a letter to Citi Security Services detailing all of this information along with supporting documentation and have never heard back from them. 

XX/XX/2022 I paid the {$76.00} bill as I did not want to ruin my credit. 

XX/XX/2022 called Citi and talked to numerus people ( I was on the phone for over two hours ) they stated that I should be getting a refund.
Complaint sub-issue: Problem making or receiving payments

TCF Bank  stole XXXX me. They took money out of my account with the promise they would send a check to XXXX XXXX. They didn't send the check to XXXX XXXX. They took my money, then farmed out the check writing to a 3rd party named XXXX. When I complained on XX/XX/XXXX that they never sent the check to XXXX XXXX, an employee named XXXX told me she would not accept my complaint and would do nothing to help me. She told me to call next week and complain to somebody else because she was not willing to take any responsibility to send my complaint to the appropriate person. This is the 2nd time in the past 6 months they did this to me. They also stole XXXX on XX/XX/XXXX when they took money out of my account but did not send the check to XXXX XXXX. They said they refuse to notify customers when they have an error/trouble processing a check, and they refuse to balance their books, so any time they fail to mail a check to a recipient, they just keep the money and never tell the sender ( me ) that they didn't write the check or it wasn't cashed or whatever. Employee XXXX told me it was my job to call TCF during hours when it was convenient to TCF ; if it's not convenient for the employee, the employee just washes his/her hands and does nothing about the theft of my funds. I won't beg them to write the check I paid them to write. I won't waste my time begging them not to steal from me. I will let them pay {$400.00} per hour to an attorney to answer this complaint from the government. Maybe then, XXXX won't be such a XXXX  about my complaint of theft.