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

I am very concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a fraud alert on my credit report which is to prevent unauthorized access to my file with Equifax. I ordered a copy of my credit report as I started getting calls from various companies offering me a car loan only to find out these companies had accessed my credit report without my permission even with a fraud alert present. The following companies were found upon my review of my Equifax credit report which were unauthorized : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Complaint sub-issue: Problem accessing account

I have tried several times over the last four to six weeks to link my PNC account to XXXX   through the XXXX service. XXXX  claims that PNC has made changes to their service and thus can no longer be linked to. This has happened with both XXXX and XXXX XXXX both use the XXXX  service to link bank accounts XXXX. I have spoken with PNC and they have sent me to XXXX, claiming it was an issue with their system.
Complaint sub-issue: Personal information

I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
Complaint sub-issue: Debt is not yours

The date on this account is inaccurate and is over 7 years old. By law it is supposed to be removed and it's showing on all three bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Further investigation reveals that Equifax will supply requested reports to creditors, but only if date of birth omitted from consumer data in report request. 

Obviously this is preposterous, impractical and illegal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX I was in the middle of checking my credit report when different inquiries started to pop up that i do not recognize from organizations that Ive never contracted with or encountered with.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Received fro  m ERC a settlement opportunity on   XXXX   XXXX  , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time.
4. This information erroneously appears on all (   XXXX   ) credit reporting agencies and I have asked   XXXX   to dispute such claims with no response from ERC.
5. As such, all such information should be deleted from all (   XXXX   ) credit reporting agencies.
  XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX, The Bureaus Account number XXXX, XXXX XXXX XXXX Account number 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 602 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXX Opened : XX/XX/XXXX Balance : {$1400.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I look forward to an expedited deletion of these erroneous items.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX has asked me to pay a maintenance fee for a time share which has employed deceptive and unethical business practices. I have expressed a desire get out of the obligation alotgether due to the lies I was told when initiating the original contract, Since I do not have the financial means to afford an attorney to pursue the original creditor, XXXX XXXX, to release me from my contract, I have expressed to Equient ( the caller ) a resignation to my need to pay, but no current ability to pay. I have expressed that there is expected to be no clarification or change in my ability to pay prior to XX/XX/2018. They have threatened the possibility of 3rd party collections, and I have acknowleged that possibility. I further expressed an inability to accept calls between XXXX and XXXX when I work with XXXX XXXX XXXX in the community, not in a typical office setting with scheduled breaks. They have continued to call me during these hours each day, sometimes several times per day. On a few occasions I was able to answer the call and again requeste the cease and desist with calling me when I am working. Today, an employee named XXXX XXXX me in a call at XXXX XXXX that she can put a hold on calls for a few days, but that they can not keep their automatic dialer from calling after that. I explained that this is harrassing at this point and disrupting and upsetting at my job. She kept me on the phone for over 10 minutes to verify my identity, state the mini-miranda, put me on hold to speak with a manager, etc. and still could not assure me the calls will stop now.
Complaint sub-issue: Trouble with how payments are being handled

I need help with my Federal Student Loan Servicer. They are not correctly applying my payments towards my PSLF. I've been in repayment since 2015 on IBR and REPAYE and working for a non-profit educational institution. I sent them two PSLF documents verifying my employment, and they are claiming I only made 15 payments over a 5 year history. It's been so frustrating they I've resorted to unprofessional means of sending multiple emails a day, angry in tone and admittedly with foul language. I also submitted a request for a legal last name change that they never responded to or updated my account. I'm ready to just default at this point. What is the use of working in public service and watching your debt just grow and grow and grow. It's almost as though they are intentionally NOT processing these applications. I have done everything asked of me.
Complaint sub-issue: Problem lowering your monthly payments

These customers reps want XXXX per month I can not afford what they want, sallie mae is hard core refusing to assist they are not willing to work with me
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
Complaint sub-issue: You never received your bill or did not know a payment was due

I have a credit been trying since XX/XX/XXXX of XX/XX/XXXX to have access to my credit card statements to pay my bill and continue to not receive them nor have they put them back on my bank account as I have asked them to do. This has caused me to pay thousands of dollars in interest and I feel that I should not have had to pay that and at this point I am looking to hire a lawyer to get this handled due to the hardship this has caused. 

I had the business credit card linked to my account so that I could pay the card, I fell behind on my payments and in XX/XX/XXXX of XX/XX/XXXX they took it off of XXXX XXXX website so I could no longer see what I owed. I went to the bank in XX/XX/XXXX and was advised I would have to call and discuss directly with XXXX XXXX XXXX. On XX/XX/XXXX I spoke with them and was told I had to make a payment ( which I did to bring my account current ). They then advised me they would put it back on the website so I could keep current. ( for reference all conversations were recorded by them ). They did not put it back on and I did not get any statements in the mail either. On XX/XX/XXXX I called again trying to get it put back on so I could pay my bills - again I was told I had to pay to bring my account up to date ( I did again ) I was assured that It would be placed back on my XXXX XXXX account to see the statements for payment. This did not happen again - same scenario on XX/XX/XXXX - XX/XX/XXXX which I was absolutely assured it would be. I called again in XX/XX/XXXX and they pulled up the phone calls and said oh yes it was supposed to be back on within two days from the call on XX/XX/XXXX but oh wait we need to now send you paperwork for you to fill out so it can go back on. I received the paperwork this morning. This has caused my credit rating to go down considerably, as well as cost me thousands of dollars in Interest. I would like them to repay the interest as well as fix my credit rating. I really tried to stay on top of this but how do you pay a bill if you don't have anything to pay against?? As far as I am concerned they can close the card and EAT the monies owed them. 

Help - please. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair reporting credit act XXXX, XXXX, and Equifax has violated my right. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give XXXX, XXXX and Equifax no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Complaint sub-issue: Personal information incorrect

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting credit score because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Complaint sub-issue: Attempted to collect wrong amount

XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you
Complaint sub-issue: Information belongs to someone else

ftc violation don't even have an account with them or XXXX
Complaint sub-issue: Account status incorrect

As I pulled all 3 credit reports from the XXXX  website, I noticed that Fedloan Servicing has inconsistent information about my late payments on all three credit reports. Late payments are reported to the credit bureaus that do not match up. I have 12 FedLoan Servicing accounts on all of my credit reports. It is reported to XXXX  that I have 9 late payments on every account. It is reported to XXXX  that I have 5 late payments on six accounts, 4 late payments three accounts and 3 late payments on three accounts. It is reported to XXXX  that I have 4 late payments on every account. The information should match if my student loans accounts are reported to all three bureaus. I have attached documents supporting my claim.
Complaint sub-issue: Information belongs to someone else

I.C SYSTEMS PROVIDED AN ATTACHED ACCOUNT OF VEFIFICATION FROM XXXX. CLAIMING IT TO BE VALIDATION OR TRYING TO MAKE IT LOOKS AS IF IT WAS VALIADITION FROM I.C STSYEM TO COLLECT SAID DEBT. WHICH IS NOT WHAT I REQEUESTED OR ASKED FOR. I ASK FOR PRROF OF CLAIM AND A ORIGINAL CONTRACT WITH MY SIGNED NAME BETWEEN ME AND I.C SYSTEM. THIS COLLECTION COMPANY DOES NOT HAVE VALIDATION OF AANY SUCH THIS TO CONTINUE TO LEGALLY ATEMPT TO BOTHER ME.
Complaint sub-issue: Problem lowering your monthly payments

Forebearance/Cancellation of Debt
Complaint sub-issue: Information belongs to someone else

I have been disputing and sending all letters to all 3 bureaus on inaccurate and erroneous information listed on my credit. I have sent in identity theft affidavits and everything to prove and show that I WAS IN XXXX when these cards were opened. I want the XXXX  XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX ( WENT TO COURT AND THE COURT DISMISSED THESE DEBTS AGAINST ME HOW ARE YOU STILL REPORTING THEM ON MY CREDIT!! ), a bankruptcy as well that they have refused to show me any signed documentation on and I pointed out at least 5 inaccuracies on the listing of it, and XXXX DEPT ED ( a debt that was granted forgiveness prior to me going to XXXX  ) REMOVED FROM MY REPORTS. If this does not happen I will file ANOTHER lawsuit against all 3 bureaus WITH a lawyer this time. This is my final attempt to resolve this before I move forward with filing a class action lawsuit. I was told they have my affidavit by a tier 2 manager but their company policies allows them to not accept them. HOW CAN YOU JUST REFUSE TO ACCEPT A LEGAL IDENTITY THEFT AFFIDAVIT? They need to immediately remove this stuff from my credit report. XXXX XXXX, XXXX XXXX XXXX, the two XXXX  XXXX accounts, XXXX  account, XXXX/XXXX  and the bankruptcy need to be removed immediately for ID theft, false reporting, inaccurate reporting, and FCRA violations.
Complaint sub-issue: Their investigation did not fix an error on your report

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Complaint sub-issue: Having problems with customer service

I applied for the Forgiveness Loan Program on XXXX/XXXX/14, I was given an acceptance letter from FedLoan Servicing. I contacted them today, spoke with four different customer service reps and no one is doing their jobs. They are too busy asking for social security numbers over the phone. I need the letter now.
Complaint sub-issue: Charged too much interest

I Had a credit card Flexperks US bank card XXXX had been up to date with all payments .Suddenly for no obvious reason the US bank canceled my credit card as far as I am aware I had paid all arrears till then, After a few months they reported there was a XXXX dollar balance on the card and started charging interest which accumulated to XXXX dollars ( including capital ) .They also appear to have reported me to credit agencies tarnishing my hitherto clean record.Though I disputed this unilateral and arrogant actions of this bank they claim they are allowed to take such actions without any reason.More than the money it is the smearing of my name and credit history which is surprising considering I was an excellent customer
Complaint sub-issue: Their investigation did not fix an error on your report

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME.
Complaint sub-issue: Their investigation did not fix an error on your report

eqifax is negatively reporting XXXX XXXX to my credit report and according to the FCRA they can't report anything inaccurate or unverified it must be deleted According to the Fair Credit Reporting Act, also Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies XXXX and Equifax told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the Equifax system as frozen after it was disputed, it was explained to me by Equifax customer service this wasn't done by them that XXXX  / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXX XXXX  questioning this and got nowhere with them, XXXX is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.
Complaint sub-issue: Problem lowering your monthly payments

salle mae just does not give up