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

Unknown Accounts on my credit report DISPUTE XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$72.00} Balance Updated - Credit Limit - Past Due Amount {$72.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$59.00} Comments - ENHANCED RECOVERY CO XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$71.00} Balance Updated - Credit Limit - Past Due Amount {$71.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX Sold-to - Original Amount {$71.00} Comments XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount {$2000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX Sold-to - Original Amount {$2000.00} Comments - XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$920.00} Balance Updated - Credit Limit - Past Due Amount {$920.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantoXXXX 's internal collection department Status Updated XXXX Balance {$1600.00} Balance Updated - Credit Limit - Past Due Amount {$1600.00} High Balance {$1600.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX contacted the company they told me they are unable to verify the debt, and that to have the Equifax remove it.
Complaint sub-issue: Account information incorrect

I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.
Complaint sub-issue: Credit card company forcing arbitration

To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

I've gone through the credit I've noticed a few collections that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my credit worthiness.
Complaint sub-issue: Problem with customer service

SUMMARY : I believe that my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that all XXXX of my loans are considered when I submit my final certification and application for loan forgiveness soon. 

DETAILS : I am a public employee, and I originally had XXXX " direct '' loans and XXXX XXXX loan through the the loan servicer Nelnet. I submitted my XXXX certification in XX/XX/2022, and successfully consolidated the XXXX loan to a XXXX loan. 

Unfortunately, XXXX of XXXX my direct loans were never transferred from Nelnet to XXXX ( or to XXXX, who XXXX have been the XXXX servicer at the time ). I believe they should have been transferred due to their eligibility for XXXX, given that I submitted my XXXX certification in XX/XX/2022. 

I've been reaching out to Nelnet since XXXX, but have not received any answers regarding the status or eligibility of the XXXX remaining direct loans that they still currently hold. When asked about these loans, Nelnet consistently relies on sending template-like responses which not only answer any questions regarding the XXXX-eligibility of XXXX loans, but also seems to completely disregard my requests for guidance on how I can help ensure that these XXXX loans be considered for loan forgiveness within the next XXXX XXXX ( as I anticipate meeting the XXXX requirement very soon ). 

As a quick recap, I believe that all XXXX of my my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that the remaining XXXX loans with Nelnet are also considered for forgiveness when I submit my final XXXX certification/application in the next XXXX XXXX. 

I have email transcripts of my exchanges with Nelnet to support my account of the situation, as well as a history of all correspondence and documents I've received from Nelnet throughout this time period.
Complaint sub-issue: Account status incorrect

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.
Complaint sub-issue: Account status incorrect

Showing late on my Equifax credit report as of XX/XX/22 please see image named XXXX. This is incorrect. Tried filing a dispute on the Equifax website, but it doesn't let me. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX
Complaint sub-issue: Information belongs to someone else

There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a mother of XX/XX/XXXXand I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.
Complaint sub-issue: Investigation took more than 30 days

I have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, XXXX XXXX posted to my EEquifax report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.
Complaint sub-issue: Deposits and withdrawals

I am receiving Pandemic Unemployment from PA. PA is using US BANK RELIACARD Debit card to disperse the money. Everything was fine and for the past 2.5 months, they have frozen my money and will not release it to me. I need that money. I have complied and sent my ID in and they still will not unfreeze my account. It is virtually impossible to contact them by phone so I do so on twitter and they say to send the info via the app, which I have done.
Complaint sub-issue: Problem with product or service terms changing

Equifax had a security breach that affected 143 million people. This is a credit monitoring service. It took them over a month to find the breach. How can ANY of these credit monitoring services be trusted with our very personal information.
Complaint sub-issue: Banking errors

Made a deposit at the U.S Bank ATM at XXXX XXXX in XXXX XXXX, CA. 
The ATM instead disbursed an error receipt, which read A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. PLEASE CONTACT XXXX SO WE CAN ASSIST IN THE RETURN OF THESE ITEMS. 
I called, they opened a claim that they said would take XXXX days to get to, and if I needed immediate assistance with credit to my account to walk into my local branch. 
I drove over to the XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Branch XXXX, XXXX XXXX. 
She was very rude in assisting us, and did not answer questions I had. Instead told us the XXXX or XXXX number given they unfortunately always send people to the branch thinking we can help and we can not. I asked her the vendor/third party who services the US BANK ATM XXXX and she she why do you need that information? I replied, is it in your policy to not give that information? She replied, The third party vendor is irrelevant to this situation! I replied, it is of relevance to me. So again, is it in your policy to not provide that information? XXXX replied, I am sorry but I can not help you with your situation. 
I am disappointed at the customer service and lack of help. With other banks, they credit you while in investigating the issue, as in this situation it is not the customers fault. Whoever the third party is that maybe services the ATM dropped the ball, and now I am out of funds because I trusted the US BANK name.
Complaint sub-issue: Not given enough info to verify debt

After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.
Complaint sub-issue: Reporting company used your report improperly

I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I review my XXXX  account dated XX/XX/XXXX I found out that there are items passed on that should be Block. Per FCRA segment 605 XXXX and Equifax Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. XXXX did not response my letter that sent to them last XX/XX/XXXX. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NV XXXX U S DEPT OF EDXXXX XXXX Balance Owed : {$3500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} ACCOUNT XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

UPDATED AND NEW INFORMATION ON EQUIFAX : On XX/XX/2022 I stated that " EQUIFAX has made false statements and causing harm to my personal reputation which is a defamation of character. '' Case Number : XXXX Today is the XXXX day ( XX/XX/2022 ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i . Equifax has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been in contact with XXXX since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield in XXXX, FL is attempting to collect a debt from me for a past lease break, for XXXX XXXX in XXXX XXXX, CA. I left within the terms of my lease break clause, I was never late on rent, and left no damages to the apartment, and was still charged, and my deposit was withheld. Hunter Warfield also flagged my credit as collections twice, within 30 days, for the same debt, which is illegal under Drews Law. You can only flag someones credit a single time for a debt.
Complaint sub-issue: Information belongs to someone else

Good evening, I want to report about the account that is in my profile but this item is not mine. Its fraud item and mistake. I reported to Identity theft bureau. Please remove this account reported by Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt is not yours

ProCollect placed a {$230.00} charge on the XXXX  web site ( the creditor name was XXXX/XXXX XXXX  ) and was placed on my credit report.

I contacted ProCollect and after 5 minutes ProCollect realized they had the wrong XXXX XXXX XXXX they were pursuing ( my DOB is XX/XX/XXXX, the bad guy was XX/XX/XXXX). I have the Manager of ProCollect contact information as the Manager apologized to me several times about the mistaken identity against me and the case was immediately dropped against me. I then disputed this case at least 4 different times to XXXX to drop this " closed '' case against me ; but for reasons unknown XXXX  refuses to take this fraud off my credit report????
Complaint sub-issue: Debt was result of identity theft

I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I've recently checked my credit report from XXXX   and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.
Complaint sub-issue: Account information incorrect

The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.
Complaint sub-issue: Reporting company used your report improperly

Recently, i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a 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.