Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates :XX/XX/XXXX XXXX
Complaint sub-issue: Contacted your employer

XXXX XXXX continues to harass myself, my mother and now are attempting to contact my friends to discuss loan repayment options. My loan is in the process of being consolidated and therefore I do not even have a loan through Sallie Mae any longer. A man named XXXX XXXX continues to call my mother at her place of employment as well as my best friend. He is violently rude and discusses confidential loan information each time he calls which is multiple times a day. 
Sallie Mae itself also calls myself and mother a handful of times a day leaving automated messages.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2020 I sent letters to Equifax, XXXX, and XXXX. I have multiple errors on my reports, missing information and information that needs to be removed. I also have a " derogatory mark '' on my reports but does not say who it's from nor will they tell me. I reached out to my creditor and they told me they sent letters 3 times to Equifax, XXXX and XXXX to have the collection removed. Once again I do not know what the derogatory mark is on my report. I would like it removed asap. I also have 7 hard inquires on my report. I want them removed as well. Equifax, XXXX and XXXX are not doing their job. I am very dissatisfied with their lack of knowledge and their poor customer service.
Complaint sub-issue: Information belongs to someone else

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file.  I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done  they still continue to ignore this matter I have wrote to the general attorney (GEORGIA)  just recently
Complaint sub-issue: Was not notified of investigation status or results

What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?
Complaint sub-issue: Talked to a third-party about your debt

XXXX ( XXXX ) sold my debt to Plaza Services LLC at XXXX but I believed to have closed this debt until I was contacted by XXXX XXXX XXXX XXXX on XX/XX/ ( I believe ). My complaint is truly with Plaza Services LLC and XXXX XXXX XXXX. In my discussion XXXX XXXX at XXXX XXXX XXXX, I disclosed that I would like to resolve this issue but wanted to verify and valid the claim so I ask for documentation which I did not receive. I did settle with XXXX XXXX XXXX that I would pay to close the matter on an upcoming pay period but wanted to still verify accuracy. I gave them a payment of {$25.00} and realized that I should not have given this information out until validating. Since that initial call, I called XXXX to confirm if the status which XXXX did not have any information other than a phone number. Upon calling that number, I found out that the number was associated to Plaza Services LLC who I attempted to call repeatedly but was not able to connect to a live person ( either phone continued to ring or call was picked up but left on hold for more than 30 minutes ). I then check online sources and noticed numerous complaints especially one that I have now experienced with XXXX XXXX XXXX ( XXXX XXXX and XXXX extension XXXX who is a supervisor ). XXXX XXXX has called several different people after he and I agreed to terms, the persons he contacted are some of which I have not spoken to in 17 years including my place of employment disclosing my information even after I told them I wanted to validate before making final payment to ensure this was not a scam. I called them this morning ( XXXX XXXX ) to close the matter for full payment XXXX ( Supervisor ) at  XXXX XXXX XXXX said of {$1900.00} that I can have processed but am waiting for a call back. I plan to close this matter today but would like this company investigated as their practices violate everything I believe to be illegal within the Fair Credit Act.
Complaint sub-issue: Account status incorrect

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXXrd party data furnishers.
Complaint sub-issue: Their investigation did not fix an error on your report

This debt was included in a amortization of debt. We filed in XX/XX/2018.  And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified citi bank in XX/XX/XXXX about the plan and did accept the agreement. This account should be current since XX/XX/XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way citi bank is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from citi they claim they are correct. Not true
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX XXXX, Equifax and XXXX have been reporting multiple entries on my credit report incorrectly. Equifax continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX  accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Complaint sub-issue: Account information incorrect

The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/2022, XXXX shows no date, Equifax shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue 3 : Last reported balance [ XXXX shows {$1100.00}, Equifax shows {$1200.00} ] Issue 4 : Account status [ XXXX shows charged off, XXXX shows closed, Equifax shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Complaint sub-issue: No notice of investigation status/result

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - XXXX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting XXXX is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following :
Complaint sub-issue: Their investigation did not fix an error on your report

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Equifax. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XX/XX/XXXX about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the Equifax breach this may have been a cause of Equifax. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 other 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: Information belongs to someone else

I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have tried disputes online with EQUIFAX but all they ever do is respond with a tactical standpoint and say they sent verification requests which I never hear anything about anymore. My credit report shows " not disputed? Also reports 150 days past due which is untrue, false, and misleading information. My son is XXXX old. If verification was done properly as claiming then the Original date had to be disclosed. As I stated the account reports false information about the sought after " late payment ''. It is a clear violation of my consumer and civil rights. 
Account is also ONLY REPORTING to EQUIFAX which further deepens it's NON COMPLIANCE manner.
Complaint sub-issue: Reporting company used your report improperly

I would like all hard inquires removed of my credit report it. 

XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the Nelnet representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but Nelnet had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but Nelnet has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from Nelnet to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.
Complaint sub-issue: Can't close your account

XX/XX/2022 I need to close acct. Been on phone over 2 hrs to try to close acct. Either get hung up on, not answered, or transferred around. Worst service ever, even question if this is a real bank. I need my money back now.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax on XX/XX/XXXX about some items that was incorrect on my credit report. Equifax sent me a letter back stating that they didn't have a credit file for me. I do have a credit file I have an auto loan and credit cards. This hurting my credit score. I am attaching the information that was sent to equifax on XX/XX/XXXX, along with my driver license.
Complaint sub-issue: Information is not mine

XXXX tn. Is not me. I never lived there
Complaint sub-issue: Reporting company used your report improperly

Date opened XX/XX/2017 Account name XXXX XXXX XXXX Amount XXXX Account number XXXX Has violating 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: Account information incorrect

I have sent certified letters to Keybank on XX/XX/2021 and i have on numerous occasions submitted complaints about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Keybank has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person Keybank thereby making the reporting of this accounts payment transactional history inaccurate. 
Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) Keybank has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;
Complaint sub-issue: Received bad information about your loan

I am requesting proof that I am indeed the party that the FED LOAN SERV are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The FED LOAN SERV is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Complaint sub-issue: Trouble with how payments are handled

My federal student loans were transferred to FedLoanServicing ( FLS ) from XXXX on XX/XX/2016. FLS contacted me on XX/XX/2016 to tell me they had my loan. I set up my account XX/XX/2016, and submitted recalculation paperwork the same day using the " paperless dropbox '' on their website. 
On XX/XX/2016 they informed me they had recalculated my loan and my monthly payment amount would be {$420.00} on a monthly AGI of {$1400.00}. I 'm in the PSLF program, and my payment should be 15 % of my income, less 150 % of the poverty level ( for 2 people ), and I calculate my payment should be {$170.00} per month. 
I called back on XX/XX/2016 and spoke with XXXX who said he saw the discrepancy, and would send my back loan for recalculation. I called back on XXXX and spoke to XXXX who said that they calculated it based on my gross income because they " were not tax experts '' and could not figure out my AGI. 
The deductions on my paycheck are clearly listed, and my AGI is listed as " ADJ EARNINGS ''. XXXX refused to recognize that this was my adjusted gross income, and said they would require a letter from my employer to calculate my payment. She repeatedly said she was " not a tax expert '' and would not transfer me to a manager. 
In the meantime, they expect me to pay {$420.00} on XX/XX/2016, when my payment should be {$170.00}.