Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.
Complaint sub-issue: Information belongs to someone else

I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, Equifax, and XXXX to remove inaccurate/ false inquiries. Equifax is working to remove the inquiries. However, XXXX and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This is from an old debt collection originally opened XX/XX/2013 I hired a pool company ( XXXX XXXX ) to do pool repair and after breaking up my deck, and claiming to fix the leak ( but didn't ) wanted to charge me {$450.00}. 

I said no, because they didn't do a good job, and they have sold this to a debt collection attorney in Florida Voss & Klein that refuses to remove the reporting from my credit report. 

It's time to move on and drop the matter as it's FIVE years ago, and they are still reporting it as a negative. I'd like this removed from my credit report!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX was paid but the account is still reporting as late and in collection disputed this multiply time but hasnt gotten any verified information as to why this is so.
Complaint sub-issue: Deposits and withdrawals

I am not able to connect my PNC account with XXXX to transfer funds.
Complaint sub-issue: Investigation took too long

I made a request for XXXX to remove the credit inquiry from my equifax credit report and XXXX agreed to send a request to equifax to suppress the inquiry so that it will not appear on my credit report or be used in the calculation of my credit score, however equifax has not removed the inquiry from my credit report.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on XXXX XXXX XXXX side and I need help to exercise my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, I submitted a dispute request to Equifax about a debt that was already paid off on XXXX, but it wasn't removed.
Complaint sub-issue: Information belongs to someone else

A citi bank credit card was opened in my name XX/XX/2019. It has been written off with a balance of {$1000.00}. I did not open the account. I have contacted Citi Bank numerous times to remove the account and they continuously refuse to remove the account from my credit report.
Complaint sub-issue: Information belongs to someone else

I went to XXXX XXXX to get a phone a XXXX XXXX ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw XXXX more fraudulent accounts with XXXX XXXX on my profile. I have been in contact with both companies and they told me that i need to do a XXXX Identity theft report in order for the accounts to be removed. I also have been trying to reach out to XXXX, XXXX and Equifax and they haven't done anything yet. Please remove these accounts as soon as possible.
Complaint sub-issue: Right to dispute notice not received

There are XXXX collections from Works and Lentz, medical accounts ; They have been paid. Only XXXX credit bureau still shows them. Whu are they still on XXXX, and not the other XXXX. I need these taken off.
Complaint sub-issue: Trouble with how payments are being handled

I have paid XXXX  towards my student loan. The payments made in XXXX and XXXX of 2021 have never been applied to my account. Therefore I asked that they be refunded to me. It's been over 6 months of making my last payment and they have not returned my money or applied it to the account. I have names, emails, constant calls, recordings and so much information that my next steps after this if there is no resolution is to file a small claims motion and sue them for the money. They continue to lie to me and the CFPB. Checks were never issued nor mailed. New checks have never been issued or mailed. I've spoken to pod leaders, accounting and on and on. I do not care about loan forgiveness, I don't care about some XXXX response about covid. If the CFPB also can not get resolution they will be named in my motion filing in court. Nelnet is not in compliance with the SEC and SOX regulations either by withholding funds, not providing me statements and evidence showing payments made in my account as well. I will also file a complaint for those which there is recourse for. Nelnet owes me this money or they MUST apply it to the account within 5 business days. This is a legal notice.
Complaint sub-issue: Received bad information about your loan

I am writing to request that the CFPB intervene on my behalf to compel AES to remove late payment trade lines from XX/XX/XXXX through XX/XX/XXXX for my AES/XXXX student loan accounts on the basis that during this time I was advised by AES that I would be covered by either economic or temporary forbearance. Dates, conversations, and actions proving that AES mislead me are set forth in my attached cover letter and related exhibits.
Complaint sub-issue: Account information incorrect

I have sent XXXX letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never had a XXXX XXXX  or XXXX  account.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, I am a victim of identity theft. I am writing because I did not make the change and I need the following information removed that is listed in the report. I ask that the items be deleted to correct my credit report. The theft of my identity was reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove the items as soon as possible.
Complaint sub-issue: Didn't receive notice of right to dispute

Because I did not understand the business of interest on my account with HomeDepot I recieved a statement with a balance of  XXXX  and  XXXX  in interest fees attached.The new balance is now  XXXX . This account was for a new roof on my home.i called the  HomeDepot  office and explained that I obviously did not understand the no interest fee. I was told I had to pay {$900.00} rightway or {$430.00} monthly.I explained I was unable to pay either amounts and was overwelmed by the new increase. I was told to call back last tuesday with a solution (  XXXX  ) but a lady from  HomeDepot  called me on monday (  XXXX  ) and told me under the hardship program I would have to pay {$240.00} a month starting  XXXX   XXXX . I did not have to pay for  XX/XX/XXXX We talked for some time and I told her repeatedly that it would be very difficult for me to pay even that amount.I explained that I was a senior on ss and a pension.To make a long story short I asked wh y wasn ; t info rmed of the balance and that I did have a problem with the roof when some of the shingles came off and had to be replaced.She kept telling me how sorry she was for my problem.But this was the only hardship she could offer. I told her I could't believe someone could n't have called me sooner. She kept insisting that I give her a answer for the {$240.00} a month, so I said I would try and pay it.She stated I would not be able to use the credit card and I told her that I would not use the card and not shop at  HomeDepot  ever again. This is the essence of my problem
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on two credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Complaint sub-issue: Public record information inaccurate

Hard Credit Inquiry on my Credit Report with XXXX. It needs to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently reviewed a copy of my credit report in Equifax. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiry. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX. I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am filing this complaint against Equifax and there is no third party involved. I have sent out a letter to Equifax mailed certified XX/XX/XXXX. Equifax is in violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish information to a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything to my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulent inquiries. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft : 1. XXXX XXXXXXXX 2. XXXX XXXX XXXX : XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX  : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If Equifax can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I demand these fraudulent, unauthorized inquiries be removed from my consumer report WITHIN FOUR ( 4 ) DAYS! If my demands are not met, I will hold Equifax civilly liable under 15 USC 1681n for willful noncompliance AND aggravated identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I have enclosed a FTC Identity Theft Report which states the fraudulent inquiries that need to be removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting acXXXX 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
Complaint sub-issue: Didn't receive notice of right to dispute

Approximately three months ago, I noticed Plusfour Collections on my credit report. XXXX XXXX was the original creditor. 

I called Plus Four to dispute the debt. I have XXXX XXXXXX/XX/XXXXXXXX XXXX. My insurance company will pay the bill. 

I called XXXX XXXX. They told me they were using a different third party billing company. After escalating my complaint, I learned this was for an XXXX on my XXXX on XX/XX/20. 

I called XXXX XXXXXX/XX/XXXX and asked why they did not pay the bill? XXXX XXXX never submitted a claim to them or a bill to me! How then can they send me to collections. 

I filed a grievance with XXXX XXXXXX/XX/XXXX, and learned there are many people like me. 

My dispute with the credit bureau was " verified '', and remains on my credit report. 

I called Plus Four and was told if XXXX XXXX sends them a letter stating my account was referred in the error, they will remove it. XXXX XXXX has not addressed my issue. Meanwhile, my insurance premiums increased, and I am being denied credit for a recent collection! 

I also filed a complaint withXX/XX/XXXXXXXX XXXX. They are trying to advocate for me, but advised they are not a regulatory entity, and can't make them do anything. 

Please help me!
Complaint sub-issue: Debt was result of identity theft

Another 3rd party company name EOS CCA opening date XX/XX/XXXX attempt to collect a debt for XXXX company that has been closed since XXXX with no due amount on my record. Claiming on my XXXX and XXXX  credit report that it is a new account. That is fraudulent there are no new accounts. In XX/XX/XXXX another 3rd party attempted to claim their collecting a debt for XXXX company too. It was removed due to this being a fraudulent attempt to collect for XXXX company with no proof of account. When XXXX stated for the record there in no attempt to collect anything monetary in my name nor there trying to receive {$350.00} on a past bill. There was no brought accounts in my name from XXXX company. When I contacted XXXX company there is no account on the record for any past due collections.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed.
Complaint sub-issue: Information belongs to someone else

There are a lot of fraudulent accounts on my credit report. It is damaging my credit and causing my scores to drop. This is violating my FCRA by limiting my ability to obtain credit caused by the inaccuracy.
Complaint sub-issue: Problem with statement of dispute

requested verification regarding a bankruptcy on credit report. they stated it was verified as true. after contacting bankrupty court they stated that they do n't report or verify any information to the credit reporting company
Complaint sub-issue: Received bad information about your loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments.
Complaint sub-issue: Problem accessing account

My husband and I have been Citibank customers for over 40 years. Over the years he has had a checking account where I have been a signer. About 5 years ago we completed paperwork ( which I do not have ) to turn this into a joint account. I have always had banking access to this account on and off line. 
My husband died on XX/XX/2018. I am his estate executor.I went to the bank branch on XXXX XXXX XXXX in XXXX with his death certificate to straighten out the account and report his death in XX/XX/XXXX. 
The bank stated that ( " according to their computer '' records ) not only did I not have any authority but I was not noted as a signer. I asked for the account paperwork and this was was something they could not/would not entertain. 
Unknown to me, the account then was closed down so that I no longer had access. 
All my financial statements, bill payment information and check copies and year end summaries for 2018 and prior were inaccessible. In other words my entire financial life was " erased '' could not be used. 
For estate settlement purposes, taxes and general record keeping this is an untenable position and creates a significant hardship in recreating valuable information. 

I contacted Citi 's phone customer service at least 6 times between XX/XX/XXXX and this writing requesting bank statements, bill payment information ( both payees, and histories which they said they could migrate to my account-this didn't happen ). I did get emailed bank statements for 2018. That is not enough. They said they could not restore access and have failed to provide me with the needed info. This practice is highly detrimental, and clearly the information imputed into the computer about this account is inaccurate. 
I would like to regain full access to this account so I can handle my financial life and husbands death. A closed account that is inaccessible like this is unexcusable in this type of situation. 
thank you
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, XXXX, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights 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 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: Their investigation did not fix an error on your report

Following accounts was disputed FOR ACCURACY several times but I am in fact questioning the method of validation for such investigation : XXXX XXXX Inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Equifax Representative ( XXXX ID # XXXX ) today XXXX they are mailing to me XXXX  of all letters to furnishers and from furnishers to validate to me that their investigation was actually completed. If such copies are not received by me in 15 days as prescribed by FCRA all this accounts in question must be deleted and blocked from the further appearance.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.