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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received a Mastercard gift card from my employer in the amount of {$200.00} in XX/XX/2018. I tried to use the card at a hotel to pay for part of my stay and it did not process. Upon returning home I tried to register the card online and found out someone had used the card ( nobody I know ) and this was fraudulent as the packaging was not tampered with or open when I received the card. On XX/XX/18 was the date I tried to use the card. Whomever stole the card and compromised it used it in XX/XX/2018 for a purchase of {$170.00}. I have contacted the customer service line to have them issue me a new card for {$200.00} and have submitted them the details I have, along with a copy of my drivers license and address to mail the new card. I have contacted them two times now with no resolution of when the new card will be mailed to my home. I have provided all the information I have to the Mastercard gift card company, along with to US Bank. I was informed that US Bank is who the card is issued from.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Contacted your employer

I am the XXXX  " " the garnishment I received via email on XX/XX/18 ; for an employee, did not appear to be standard ( signed by a judge or court officer ) I contacted our attorney who then referred me to you to report this. I have all emails and paperwork sent to me by XXXX XXXX XXXX.
Complaint sub-issue: Debt is not mine

I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.
Complaint sub-issue: Old information reappears or never goes away

A credit card account was fraudulently established with XXXX XXXX XXXX XXXX XXXX using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with XXXX to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from XXXX responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from XXXX confirming the removal of the account. I contacted XXXX 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. XXXX repeatedly refuses to provide any contacts within the company that can resolve this issue.
Complaint sub-issue: Problem getting your free annual credit report

TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to dispute these inquiries with Equifax on XX/XX/19, they have refused to delete each and every last one of the unauthorized inquiries by saying they were factual with no written proof/signatures that I authorized these inquires on my report. Saying they are factual is not sufficient enough investigation as to them being factual.
Complaint sub-issue: Keep getting calls about my loan

I live on social security. I defaulted on loans I took out to pay for my childrens ' college expenses.Since I am in default the Education Dept. is taking $ XXXX monthly from my SS amount. Now a company called fms, a XXXX company has been hounding me for the same debt. How can this happen when I am already paying on this debt?
Complaint sub-issue: Didn't receive notice of right to dispute

I entered in a consumer credit transaction with Citibank on XX/XX/2020. 

Following that date Ive received numerous emails, none of which adhered to 15 USC 1692g. ( a ) ( 3 ) which states that a debt collector is required to send the consumer written notice within the first five days following initial communication stating that the consumer has the option and right to dispute the validity of the alleged debt. 
Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt within the first 30 days, shall not be construed as an admission of liability.

Citibank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report and also one which I, the original creditor and protected consumer, am not liable for. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, Citibank never notified me of my option to opt out from the reporting process or gave instruction on how to and has instead proceeded to report invalidated information regarding this alleged debt to the Credit Reporting Bureaus that damage my reputation and constitute fraud, since I never consented. 

All of this to say that the alleged debt is not mine to cover, since it is a consumer transaction that was initiated through my Social Security Number, much less be defamed over. 

I am aware that banking institutions dont have the power to extend credit and that it is actually I, the original creditor who is extending this credit line to this institution. I dont appreciate the misleading and false representations that Citibank has utilized in order to try to coerce payment from me regarding an alleged and now disputed debt, including the fact that initial communication and subsequent emails requesting payment have violated 15 USC 1692e. ( 11 ) by failing to disclose that they are attempting to collect a debt.
Complaint sub-issue: Debt is not yours

I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.
Complaint sub-issue: Information belongs to someone else

XXXX, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting XXXX, They state that another company has filed on XXXX XXXX behalf.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I didn't authorize the inquires
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}
Complaint sub-issue: Problem using the card to withdraw money from an ATM

Ohio has issued a U.S. Bank Reliacard to receive COVID-19 Unemployment benefits. I have been reciveing benefits on this card and used this card just fine until on XXXX XXXX, my card was suddenly " locked '' for ID verification purposes. Relicard associates told me to fax a copy of my ID, SS card, and a copy of my XXXX W-2 or IRA tax document, they would verify me, and have my card unlocked in 5 business days. I followed that instruction and sent those copies on XXXX XXXX and again on XXXX. After calling and waiting for hours to talk to someone to make sure they got it, they told me they can not call F.I.U.Verification where I sent the fax, they can not verify if they received the fax and I should send it again. I did so on XXXX XXXX, and this time I sent a copy directly to U.S. Bank Reliacard , so they too would have a copy of those same documents. Now, 4 weeks with this locked card, and having my unemployment benefits being consistantly deposited, I still have no access to a card that was given to me to use my benefits! I have been told by Reliacard, 5 days, then 7-10 days,10-15 days before my card can be unlocked. We are now past that. I have been told my documents have been received and approved, now on XX/XX/XXXX, Im being told they have not been approved, " the copies are too dark '', " we are backed up.. '' and " to call back in an hour.. '' this is completely unacceptable! I threaten to call Ohio unemployment, and Reliacard associates tell me they have nothing to do with it. Ohio unemployment says they can't help because there is nothing wrong with my benefits. I ask for FIU Verification number to call them directly, Relicard says they don't have a way to contact them! I look online at https : //www.complaintboard.com/us-bank-reliacard-l1835.html and there are thousands of the same complaint for the same reasons! What is happening? My bills are due and I'm sure I can't keep telling them 5 days, XXXX days, 15 days. Thank XXXX my resturaunt job that closed due to COVID taught me how to cook, but I have no food to cook since Reliacard 's so-called verification process has my benefits locked now for over 3 weeks. I will not attached the personal documents that Relliacard has asked me to forward, ans they contain Social Security number etc. I find it ironic that this day in age with the amount of fraud that is happening, Reliacard has asked me to fax personal info to a so-called verification group THEY can not contact themselves, nor will give me info to contact myself!
Complaint sub-issue: Account status

I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
Complaint sub-issue: Account information incorrect

Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history
Complaint sub-issue: Funds not received from closed account

On XX/XX/22 I was notified a payment had been sent to an account I thought had been closed months earlier. I contacted the bank and they closed the account and said a payment would be issued for the full {$970.00}, I waited a couple of weeks before calling back due to not receiving the payment. A clerical error on their behalf went on for 2 months of me calling daily before they realized their mistake and at that time they stated I should get the check in 7-10 days. Once again I have no payment. I call daily and they state they are emailing back office to no response. Today I was told they have no updates their is no one to speak to and hung up on. I called back to be told notes are across 2 accounts and all mixed up and that now I need to wait until XXXX for my payment to even be issued and that after that it takes up to 60 additional days to get my check. Ive never gotten a call back from any supervisor as requested Ive put in a complaint almost daily after waiting on hold for over a hour EVERYDAY.
Complaint sub-issue: Received bad information about your loan

I first applied for the Fedloan Serving program in XXXX in hopes of getting loan forgiveness since I've been paying on my student loans since late XXXX or early XXXX and I have been a public servant since XXXX, XXXX. I have never missed a payment to any of the various loan companies that owned my loans. The Fedloan Program turned me down in XXXX, saying my loans, which were originally Federal Stafford Loans, did not qualify me for the Program. In XXXX, XXXX, I was solicited by XXXX XXXX   and told I could get into this program to reduce my loan payments. I was charged {$690.00} by XXXX XXXX to get me into the Fedloan Serving program. My loan payments went down to $ XXXX/month for the first year. In XXXX, XXXX, Fedloan Servicing informed me via email that I needed to recertify my " income-driven repayment plan. Their customer service helped me submit the form XXXX XXXX ) via the internet and it involved the IRS. For reasons I don't understand, Fedloan is now increasing my monthly payments to {$380.00}, effective XX/XX/XXXX. This is a 60 % increase. On XX/XX/XXXX, I called Fedloan regarding this issue. The customer service person suggested I ask for a recalculation and provide pay-stubs rather than IRS information. On the same call, I was transferred to a second agent who listened to my concern and suggested I get out of the Fedloan Program since I really didn't qualify for it anyway and I could save money by going to a regular payment plan with a different servicer such as XXXX which had serviced my loan previously. I feel like I've been miss-lead by the Fedloan Serving Program and by Mr. XXXX XXXX, the case manager at XXXX XXXX ( http : //www.nexum-servicing.com ). After receiving my {$690.00}, I was never able to talk to XXXX on the phone again. He had convinced me I could save money with Fedloan and he told me my payments would go down to {$0.00} when I retire from State Service in XXXX. He told me I would receive loan forgiveness once my payments went to {$0.00}. I have concluded his advise was incorrect and or miss-leading. I regret having my loan transferred to the Fedloan Program because its representatives have indicated I will not receive loan forgiveness for my 20 years of public service. I am very concerned about the cost of my student loan debt, especially since I intend to retire from State service in XXXX. I am also concerned about how I will be able to afford these student loan payments once I am receiving a pension. I am also very disappointed that I haven't been able to " qualify '' for loan forgiveness based on my long years of public service. I think this whole Fedloan Program is complete scam and I have been duped.
Complaint sub-issue: Information belongs to someone else

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXXXXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021
Complaint sub-issue: Account information incorrect

I had an accident and was in hospital for XXXX  .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.
Complaint sub-issue: Information belongs to someone else

Contacted Equifax to dispute inquiries on my credit report not authorized by myself. 
equifax refused to investigate and dispute these items.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX XXXX act # XXXXXXXX XXXX XXXX : act XXXX XXXX XXXX XXXX : act # XXXXXXXX XXXX XXXX XXXX act # XXXX, XXXX : act # XXXX, XXXX. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX  : act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXXXXXX XXXX : act # 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 XXXX XXXX 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 the information is inaccurate.
Complaint sub-issue: Personal information incorrect

I've recently reached out to Equifax in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Equifax credit report it contains addresses XXXX XXXX XXXXXXXX XXXX which I DO NOT currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX XXXX ( XXXX ) deleted thier entries on my credit report on XX/XX/XXXX and CFPB was notified.The Superiour Court of XXXX terminated all matters with XXXX with prejudice in XX/XX/XXXX. 

The credit bureas have'nt corredted my data in over a year. 

Despite this and letters to Equifax and XXXX  for the last few months ( more than 3 times in XXXX ), the entities haven't made corrections and deletions, verified data per the Fair Debt Collections Act, violated the 30 day investigation period, have false, misleading data on my report, and stubbornly will not make chanegs. 

I have sent verification data of my residence, identity, and other items to Equifax and XXXX  but they will not comply or cooperate. 

This is my 5th request in 120 days to corect the data.
Complaint sub-issue: Personal information incorrect

I have requested removal of personal information  (  addresses & also known as ) 2 times. Both times EQUIFAX has claimed the information was removed ( included all records for proof & showing today 's information ) but when I check my records it 's still listed on my credit report. I need this information removed immediately as it does not belong to me nor have I lived at these addresses ...     Additionally, I have no clue how they go about remove or re-adding information but I 'm sure its a violation of the FCRA. I would like sanctions brought against Equifax ...