Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

Balances showing {$200.00} and some dollars. Was report by FedLoan Servicing however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it
Complaint sub-issue: Their investigation did not fix an error on your report

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .
Complaint sub-issue: Account status incorrect

Account was deleted in 2017. Now its appearing on my XXXXXXXX XXXX XXXX  The account shows {$5000.00}. It shows Im late on payments when the account has been closed for almost 5 years.
Complaint sub-issue: Account status incorrect

As of today, Equifax lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.
Complaint sub-issue: Problem with fees charged

Ally Bank is fraudulently attempting to collect additional fees. They refuse to acknowledge the evidence I provided ( Tire condition photos with date stamp on it, vehicle has 16k miles ). Ally provided photos of incorrectly measuring tires with tons of mud in the treads. They have lied multiple times about a payoff quote claiming that Ally does not have such option ( I have recorded conversations ). They are threatening to forward amount to collection. I can only speak to certain agents, I can not get to any different department agent ( i.e. dispute department, problem resolution, customer satisfaction ). They have confessed and acknowledged that the vehicle is a " grade 4 vehicle '' ( excellent condition ) which will most likely sell above its residual value ( also have recorded conversation of that, matter of fact it was the first call I received from them ). I  need advice on how to take legal action against Ally. Please help p.s. please pay close attention to how the measuring card is bent, the treads " barely '' miss the " allowable '' mark. See the amount of mud inside the tire treads.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.
Complaint sub-issue: Information belongs to someone else

I have disputed several items on my credit report, letting this company know that the accounts do not belong to me. the disputes resolution always come back so fast and just says the info has been updated. I have also requested to know how this company has went about to verify these accounts belong to me after the previous complaint resolution, where they stated that they verified all the unknown inquiries that i had on my report for vehicles and loans. i still have not got a response. Now i need to use my credit to purchase a few things and Im afraid i will get denied because my credit score has dropped at XXXX points since the beginning of this year. It also is not updating my credit balances from my actual accounts correctly and stating i have late payments when i do not and stating that i have delinquent, derogotory, and collection accounts accounts and i do not. The accounts ( XXXX XXXX ), ( XXXX XXXX ) and the inquiries from the previous complaint need to be removed. my actual credit accounts need to be verified to be made accurate and false late payments need to be removed. This situation is severely affecting my life and preventing me from things that i need.
Complaint sub-issue: Was not notified of investigation status or results

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

XXXX was supposed to delete any negative information on my credit reports with all 3 bureaus once the loans were brought to positive status with XXXX XXXX XXXX. The student loans were fully paid off in XXXX of XXXX with XXXX XXXX XXXX XXXX, the company my loans were transferred to. The negative reporting was successfully deleted from my XXXX and XXXX credit reports but for some reason is still showing on my Equifax Credit Report. I need the negative reporting from XXXX deleted off of my Equifax credit report. This inaccurate information is hurting my credit score with Equifax.
Complaint sub-issue: Account information incorrect

I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with XXXX XXXX and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.
Complaint sub-issue: Frequent or repeated calls

I get 1-2 calls per week from a person who identifies himself as XXXX XXXX from Keystone Law LLC, XXXX, PA Ph. number - XXXX, However it seems to be a different voice on the call at different times. 

" this calls from a debt collector this is an attempt to collect a debt ... no attorney has reviewed this account ... '' They have never provided any details indicating they know who I am or any details about the debt they are trying to collect, either in writing or by phone.

I think they are just phishing against the phone number. I have never answered or replied, and will block the number, but it stands out that they continue to call this number from a published company and name with no verifiable details or justification. I will not engage them unless additional evidence is provided in writing.
Complaint sub-issue: Deposits and withdrawals

This is my second complaint against US Bank regarding the same matter. They responded stating that deposits were made and that I didn't submit anything regarding the payments being fraudulent. However, I was give case # XXXX by the fraud department when I spoke with them on XXXX to clarify that the accounts were closed. At that time, my alimony had not been deposited and I was re-assured that it would get kicked back because my accounts were on holds. Yet, days later I found out that my account had been unfrozen to take my alimony payment and immediately following, the accounts were closed. 
As stated before, I started with the customer service department who referred me to the fraud department who referred me to the branch manager who couldnt take the time to speak to me but referred me to the recovery department who didn't have a clue why I was sent to them in the first place. For the last time, I did not write or deposit these fraudulent checks. I was scammed out of the money, but I did not have anything to do with the fraudulent checks.
Complaint sub-issue: Problem with additional add-on products or services purchased with the loan

PNC is not letting me apply for the car loan giving from XXXX.
Complaint sub-issue: Investigation took more than 30 days

I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Complaint sub-issue: You never received your bill or did not know a payment was due

Iv got a Best Buy Credit card And on my last month on paying off on XX/XX/2016I payed the full amount of under {$100.00} at the store then couple years later iv decided to purchase a car from the dealer and they told me your Credit score was low because you missed 60 days on your Best Buy credit card payment which I strongly believe is not true
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX deleted all the accounts. XXXX and Equifax did not, they only updated the reporting of the account. I contacted XXXX and Equifax again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. XXXX, updated the account again and did not remove it as requested. Equifax did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my XXXX  file, XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax file. Please help.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit reporting act XXXX  Account # XXXX, and account # 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 Sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

The are unauthorized Inquiries reported on my credit report for the following : XXXX  XXXX on XX/XX/XXXX, Elan Financial on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank XXXX XXXX on XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All the inquiries fromXX/XX/XXXX and XX/XX/XXXXare not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am also extremely disappointed with how Equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account.. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it XXXX including me XXXX following this data breach. Requiring a police report is absurd when they clearly know you were affected. 

Secondly, free " temporary unfreezing '' or a reimbursement program should be set up, seeing as this will now be a burden on me and everyone affected for the rest of my life. 

Third, something should be done to " incentivize '' companies like these to to act appropriately in situations like this.
Complaint sub-issue: Problem getting your free annual credit report

Equifax has not has not sent me my free report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have looked at the response the PNC Bank have submitted to the CFPB on XX/XX/XXXX. They still didn't provide viable proof and fail to comply with law. There are a couple of things, First, I have never contacted PNC Bank representative XXXX XXXX through the email they have mentioned in the letter in response to the Case Number XXXX. That email does not belong to me and my email address is XXXX. Secondly, I never had any deposit account with XXXX XXXX I believe PNC Bank should verify with XXXX XXXX  directly. I have also sent an email XXXX XXXX ( PNC Bank Representative ) regarding this on XX/XX/XXXX but she never responded back. I am requesting again to ask PNC Bank to correct their record and delete this account from my credit profile ASAP as this issue has been going on since XX/XX/XXXX.
Complaint sub-issue: Information is missing that should be on the report

There are many mistakes appear in my report without my understanding.
Complaint sub-issue: Debt was paid

I disconnected my XXXX internet service on XX/XX/19. I returned my modem immediately using the prepaid label and box XX/XX/XXXX provided. XX/XX/XXXXtried to charge me for said modem and I provided photographic evidence I returned the modem and the tracking number. They have sent me to XXXX separate collections agencies. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. Nothing has been provided. The latest collections agency I C SYSTEM INC did not bother to validate the debt and reported the collection to all three credit reporting bureaus. On the phone they admit the have no evidence to validate the debt and hound at me for how I would like to pay the debt. Their illegal reporting has lowered my XXXX XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2019 my XXXX my Equifax my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information
Complaint sub-issue: Account status incorrect

I received a copy of my credit report and I have found the following items below to be in error. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I NEVER gave YOU, XXXX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and anxiety due to the abusive and unfair practices. You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to me, the consumer. These accounts are listed with late or missed or delinquent payments and that is incorrect. The following accounts were never late and should be listed as PAYS or PAID AS AGREED/CURRENT.. XXXX  XXXX XXXX  XXXX # XXXX I was never late on this account, update the account as paid/current.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter dated XX/XX/18 to XXXX 's disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. After I received that letter from XXXX XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was marked " Election of remedy-reported by subscriber '' from a previous dispute through XXXX regarding this account. I received a letter from XXXX XXXX dated XX/XX/18 that stated that XXXX XXXX was unable to process my request with the information I provided. I pulled my XXXX report again on XX/XX/18 and my account was marked " Account in dispute-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was marked " Account in dispute-reported by subscriber '' on my XXXX report. XXXX 's has violated section 623 ( a ) ( 3 ) of  the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute any and all alleged debt. I requested burden of proof in credit file dating XX/XX/21 but did not receive that information. A very detailed letter was sent and a Company name I did not state on that letter was disputed stalling the process. I need all documentation stating that this alleged debt belongs to me and not a billing statement or credit report stating verified.
Complaint sub-issue: Information belongs to someone else

This complaint comes forth as I am a victim of Identity theft and I have presented a dispute to Equifax, yet to no avail. Attached you will find the supporting documents to validate my claims. The fraudulent accounts are as follows : XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am XXXX XXXX the natural person At this time I am distressed, overwhelmed and my life has been very difficult that XXXX and Equifax are violating my rights as a consumer by reporting an inaccurate Bankruptcy on my consumer report. I disputed this over 1 year ago. They informed me it had been verified by the Bankruptcy Court and XXXX. I reached out to both the Bankruptcy Court and XXXX, both organizations informed me via mail that they did not and do not furnish any public records to any bureaus, for it's against the law to do so. 

I sent these documents to XXXX and Equifax they have refused to remove this inaccurate account on my consumer report. 

At this time, I feel I'm being taken advantage of as a consumer. 

FACT- According to 15 U.S. Code 1681b - Permissible purposes - I never gave XXXX nor Equifax permission to report anything on my consumer report. 

FACT - 15 U.S Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 

This is a violation of my right to privacy. I demand this be removed from my consumer report immediately.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

I noticed on my XXXX report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called XXXX and they said " it belongs to me ''. I don't have an account with Citi Bank. I went to a Citi Bank location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with Citi Bank or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.