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

Last XXXX Ive sent disputes for those inaccurate and unknown accounts but I haven't received any response yet it almost 60 days. I demand to delete those accounts asap or I will file litigation.
Complaint sub-issue: Debt was result of identity theft

A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a Discover Bank Credit Card. He ran up the charges to {$1100.00} and now XXXX XXXX owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Complaint sub-issue: Their investigation did not fix an error on your report

since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .Equifax and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
Complaint sub-issue: Received bad information about your loan

I also have open case with ombudsman XXXX which I have not heard anything back. 

I have recently read that the FSA is taking action to target forbearance steering by student loan servicers and believe I was a victim of this practice on at least two occasions : ( 1 ) XX/XX/XXXX when I began my XXXX XXXX I spoke with my servicer on multiple occasions regarding my student loans and inability to pay the amount indicated under my repayment plan. The servicer suggested I enter forbearance rather than income based repayment. This significantly affected my progress toward PSLF as I was working for a qualifying XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  during this time period, as well as my outstanding loan balance at the conclusion of my residency in XX/XX/XXXX. ( XXXX ) XX/XX/XXXX through XX/XX/XXXX. I XXXX  in a XXXX XXXX XXXX  in XX/XX/XXXX and was automatically placed in school deferment. This was an online degree program which I completed while continuing to work full time for a qualifying XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to my servicer when I noticed I had been placed in deferment and asked them to leave me in repayment as I intended to continue to make my payments for the duration of my program. I continued to make payments of roughly {$600.00} every two weeks, which have not counted toward PSLF because I did not have a bill due for this payment period ( i.e., as I was steered into deferment ). In fact, the servicer had essentially conveyed to me that staying in deferment was my only option while XXXX  in school. Additionally, I would like to point out that at the conclusion of my professional education ( XX/XX/XXXX ), I attended a 'required ' exit counseling for my student loans. At this exit counseling, the presenter told a classroom full of XXXX XXXX XXXX XXXX that Income Driven Repayment ( IDR ) would have no benefit to our cohort based on high earnings. The presenter misrepresented the IDR program and undermined the advantages of IDR for a large percentage of this cohort - many of these XXXX  XXXX  could certainly have benefited from an IDR, particularly those who were going to work for qualifying XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). It is my assertion this directly impacted my delay in pursuing the PSLF program, thinking that I did not qualify because " I made too much money '' according to the exit loan counselor.
Complaint sub-issue: Information belongs to someone else

I filed a Identity theft affidavit 3 months ago. Equifax placed a message on 2 accounts that is on my credit report. It states, consumer disputes - reinvestigation is in progress. 

The message has been there for 3 months. I sent another letter. Nothing has been done. I feel as though my complain has been ignored. 

This has hindered my life.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX is reporting several accounts to all 3 credit bureaus with errors. I have contacted XXXXXXXX XXXX and the credit bureaus multiple times to dispute the accounts and every time they verify the information is reporting accurately. I have now located my credit reports from 2018 and have proof that these accounts have been re-aged. They are not correctly reporting the date of first delinquency and that is illegal. The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my XXXX credit reports from 2018 as proof.
Complaint sub-issue: Problem with personal statement of dispute

Over the past several months, I have repeatedly asked Equifax to remove a bankruptcy that is inaccurately showing on my credit report. I have not only given them multiple examples of how the report is inaccurate ( dates, courts, XXXX ), I have also provided multiple laws that they are violating ( specifically MY PRIVACY ). I have contacted everyone that they claim that they have verified this information with, to which I have received confirmations where both entities state that they either do not report or do no longer have the information that Equifax is claiming. I am attaching all relevant information regarding this issue and would appreciate an immediate removal. It is a shame that they will not take full responsibility for their error, but continuing to LIE about said information.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

addresses not mine 

accounts 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education
Complaint sub-issue: Trouble with how payments are being handled

I have been paying off my loan early, which was supposed to be applied to the principal balance. Instead, Nelnet is applying only a small portion of my payment to the principal, while applying most of the payment to interest. This was never explained to me in any of my loan documents and Nelnet refuses to work with me. 

I spoke with someone named XXXX, who said that it does n't matter if I request that my payments go to principle balance. So, although my next loan payment is n't due until XXXX XXXX 2018, Nelnet applied {$140.00} of the {$170.00} payment to interest. They refuse to apply the over payment to principal as I requested.
Complaint sub-issue: Other problem

I contacted Citi as I believe I inadvertently applied for a credit card while servicing my existing account and received an inquiry dated XX/XX/2022 from Citi. I contacted customer service and they communicated that they do not see anything regarding an application or an additional card.
Complaint sub-issue: Billing dispute for services

I have charges on a discover card that I have disputed a couple times they are holding me responsible because XXXX gives them no response also someone setup a online account I want the information from me accout
Complaint sub-issue: Debt was result of identity theft

The CRA 's ENHANCED RECOVERY -- is violating FCRA FDCP laws. are very aware of the Fair Credit Reporting Act 623, Cushman v. TransUnion, US Court of Appeals for the Third Circuit Court Case 115F3.and d 220 US Court of Appeals , Ninth Circuit , No. 00-15946, Nelson vs. Chase Manhattan And Federal Debt Collection Practices Act ( FDCPA ) laws against re-aging time barred accounts,
Complaint sub-issue: Trouble getting a working replacement card

I have been trying to get a replacement card for my unemployment benefits since XX/XX/2020 and I haven't been able to contact no one my bills are over due and I'm about to be kicked out of my place because I am behind on rent. To whom it may concern can you please over night me a replacement unemployment card so I can pay my bills My name is XXXX XXXX address is XXXX XXXX XXXX XXXX Louisiana XXXXThank you and may God bless you and your Staff
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX, I received a voicemail from someone saying their name was XXXX XXXX claiming to be a process server, no company name given and that she was going to be serving me at my home address or place of employment on XX/XX/XXXX to take me to court. I was told to call XXXX. I called that number and it does not state the name of the company. After several rings, the phone was finally picked up by someone who again did not state the name of the company. She said her name was XXXX and that they had purchased a debt from U.S. Bank. She threatened that if I didn't pay {$1400.00} over the phone that day at that moment with my debit card that I would be taken to court and made to pay around {$5000.00} in legal fees. I asked for documentation of the debt because I did not previously receive anything. She said US Bank was well known for not performing due diligence but that she wasn't required by law to provide documentation of the debt. She said she would email me an agreement to pay only if and when I was at a computer at that moment and would e-sign while on the phone with her agreeing that I would pay with my debit card. I again asked for documentation of the debt but was told I didn't have to pay if I didn't want to, I could just pay the {$5000.00} once I was served and taken to court if I'd rather do that. I told XXXX that I wanted to call the bank to confirm. She said she would give me until Monday which is today at which point she would have me served at home or at work if I hadn't paid by then. I was refused the name of the company until I agreed to sign the agreement to pay via e-sign in my email which they wouldn't send to me until I was at a computer and while on the phone with them. I called US Bank Monday XX/XX/XXXX and they informed me that they sold a debt in my name to XXXX XXXX XXXX several years ago for an account that I had over a decade ago. I was informed by US BANK that XXXX XXXX XXXX was now out of business and the bank had no idea who would be contacting me about this debt. I also then found out from my sister, my brother and my parents that they had each received a phone call from the process server threatening to serve me and take me to court. I have tried identifying the name of the company by reverse lookup of the phone number but couldn't find a legitimate company with that number. I told XXXX from this unknown debt collector company that I had no issue paying any legitimate debts I had as long as I was shown documentation of the balance owed which she refused to give me. I don't feel comfortable giving out my debit card information to someone unwilling to give me a company name and unwilling to show me documentation of the amount owed. So, I decided to file a complaint because I feel like this method of threatening or scaring me into paying something I have no documentation of to a company I don't have information on, is just wrong and possibly illegal. I have the voicemail saved on my phone from the supposed process server.
Complaint sub-issue: Information belongs to someone else

some one used my credit information without my permission, bad debt that does not belongs to me is been reported to my credit file, and i am trying to have them removed so i can have my credit standing back.
Complaint sub-issue: Received bad information about your loan

Great Lakes Student Loans XXXX XXXX XXXX, is garnishing my wages through XXXX. All of my student loans are in forbearance or deferment. I am not sure where this came from. I can't get any information other than they are garnishing my wages for 15 % of net disposable income - $ XXXXpay period = $ XXXX/month.
Complaint sub-issue: Debt is not mine

When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.
Complaint sub-issue: Credit denial

Obtaining loan from credco from the dealership but was denied
Complaint sub-issue: Banking errors

On XX/XX/2021, morning of I checked my account online my phone app. Shocked as there were 206 transactions unauthorized by XXXX TEST, INTERNET, CA, USA ). AND ( XXXX * Test, XXXX, CA, USA. ) XXXX #, CA, USA. AS WELL AS ( XXXX Test, XXXX XXXX, CA, USA These charges were unauthorized and had taken {$240.00} out of my Account in which was part of the second stimulus $ received. They took every bit of my money i had to live on until the XXXX of XX/XX/2021. These Unauthorized Transactions Date on XX/XX/2021. they started and commenced at XXXX ended XXXX.. XXXX transactions in the amount of {$1.00} Each = {$160.00}. - XXXX transactions in the amount of {$1.00} Each = {$77.00} Total Loss {$240.00}. I did report and called Direct Express as soon as i seen my account money gone. He canceled my Debit Card. Issued a new card by mail in which i did not Receive until 11 days later. He took my information then read it back to me. I corrected him as he stated 120 unauthorized charges. I repeated to him that was not the right calculations. Informed him of the correct amount twice. I received the Paperwork 7 seven days later. He still had the amount incorrect. As soon as I received the papers I Crossed out the Wrong Amount and put the Correct amount beside it. And explained this was not the correct amount. I sent the papers back the same day. On XX/XX/2021 i noticed a credit Adjustment to my Account in the Amount 4 XXXX. I then called Direct Express to inform them this was not the correct calculations and still due me the remainder of {$120.00} back to my Account. I have called Repeatedly waited on hold for hours, then when someone answered. I explain it over again, One of the Representatives even went as far to tell me of the college degrees she has, also she would not be working there if she did'nt have the knowledge. I took that as a major Assault on my Dignity. The last time I spoke with with Direct Express I still have not Received. Since they have Closed my Dispute. I am So very confused of there mentality, And disregards of this matter. I Have not Received any letters of the conclusion and Investigation Process. I Fully Believe there investigation was not fully done correctly. They would have seen there error s. all starting from the beginning of this investigation. Did they not read my unauthorized Transactions paper work I corrected, Filled out with a total explaination. I Truly Pray this will finally have a Positive input, As they need to Correct all the mistakes they have made. And Award me the Credit Back as Due, And taken from me. All the Stress, of it all. Not Right. I AM ASKING YOU TO DO YOUR JOB RIGHT, I PRAY THIS HAPPENS, I HATE TO THINK OF THIS HAPPENING TO SOME OTHER VICTIM. I AM SURE I AM NOT THE ONLY ONE THAT HAS HAD TO FIGHT FOR WHAT IS RIGHTFULLY THERES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Complaint sub-issue: Their investigation did not fix an error on your report

I have a fraudulent inquiry on my credit report XXXX XXXXXXXX XX/XX/2021
Complaint sub-issue: Account information incorrect

I tried reaching out to the company and they said they did update the XXXX bureaus but still showing all XXXX fed loans open when they were paid in full. I do have the letter dated XX/XX/XXXX th 2021
Complaint sub-issue: Problem making or receiving payments

I decided to close my checking account at PNC bank as i found their website and online banking very complicating and extremely confusing. Because i donot really understand their site settings i was afraid of using it. As of XX/XX/2018 my account balance was {$25.00}, so i paid the same {$25.00} to my credit card to zero out my account balance. I planned to close the account as soon as the payment is clear and my account has XXXX balance. But on XX/XX/XXXX i noticed my account has a negative balance because PNC bank charged me overdraft fee. So i both called and sent them a secured online message to inquire and explain to them that i just wanted to zero out my account balance of {$25.00} and then close my account. I didn't overdraw a penny as my account was clearly showing a balance of {$25.00} before i made the payment for the exact same amount. I asked them to remove the fee and close my account but they refused. After i asked to speak with the manager, the representative agreed to submit a complain and promised to call me back within 48 hours. But 5 days passed and nobody called me back. I sent them a online message again but they still gave me a run around and refusing close the account. Today i notice they charged overdraft fee again so the account 's negative balance is growing larger.
Complaint sub-issue: Account status incorrect

For the last eight years I was disputing negative accounts due to fraud.

They never investigate properly and i remain in bed credit for eight years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXXXXXX XXXX fraud negative accounts are still not deleted.
Complaint sub-issue: Reporting company used your report improperly

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. This, IN FACT, is a violation of 15 USC 1681 ( a ) ( 4 ). Not only is this information is NOT reported on my XXXX or XXXX reports but Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. In addition, According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Equifax has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Thank you,
Complaint sub-issue: Account status incorrect

Ive had a credit card with XXXX XXXX XXXXXXXX XXXX for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely. 

A few years ago, I discovered a 30+ day delinquent notation on my account and I called XXXX . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.
Complaint sub-issue: Account status

there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance XXXX .. from 13 years ago.. creditor closed my account was never late. 
XXXXcard- bal o reported 11 years ago XXXX XXXX XX/XX/XXXX card was stolen .. closed still on report. never late. 
XXXX and Equifax reporting these accounts. they need to be removed..
Complaint sub-issue: Information belongs to someone else

I see items on my report that is not mine. Items are listed below. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX OF XXXX - XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX  - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry XXXX XXXX - XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( Inquiry XXXX XXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )