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

Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.
Complaint sub-issue: Their investigation did not fix an error on your report

According to NC Commissioner of Banks, Spotloan is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I believe my credit file was involved in the Equifax breach and my entire credit file is blank with them, leaving me with a poor credit rating and score number, keeping me from acquiring much needed credit to improve my file. I am not able to access my report or score for Equifax online or by phone, due to the fact the information on the file is either incorrect or not there at all. I have sent documentation to Equifax 2 times to get this settled and still nothing has changed. I wasnt even aware of the breach until i heard it on the radio. I have taken time over many years to clear and dispute many fraudulent items on my file to then have such a grievance with the main reporting agency. The embarrassment and challenges I've had to go through cant be fixed with money. Id like my file, report, and score recovered somehow. My score has improved with the other reporting agencies but not with Equifax. Horribly upsetting.
Complaint sub-issue: Account status incorrect

This mortgage was closed and paid in full to XXXX during a refinance. XXXX is reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XX/XX/2019.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.
Complaint sub-issue: Information belongs to someone else

Report to Equifax to remove hard inquiry as stated in your letter dated XX/XX/2019 and XX/XX/2019. It is still not reported and your wrong hard inquiry is still existing on my recent credit report.
Complaint sub-issue: Need information about your loan balance or loan terms

XX/XX/XXXX -- I mailed in my PSLF form to the proper agency as was instructed on the PSLF form. 
XX/XX/XXXX -- had not heard anything and had been over 60 days therefore I called MOHELA as instructed and was on hold for 40 minutes. I spoke to a representative ( I believe her name was XXXX  ) who stated that it had not been processed because the person reviewing it said they " couldn't read '' my employer 's writing. During that phone call in real time, XXXX told me that she could read it clearly and would put it through for processing because she didn't see the problem in the way the dates were written by my employer. 
XX/XX/XXXX -- I applied for loan consolidation for my direct loans to take advantage of the PSLF limited waiver ( to be received by XX/XX/XXXX which it should have been ). Got form from XXXX stating they got my consolidation application. Direct loans of $ XXXX dollars were consolidated. 
XX/XX/XXXX -- - called as still hadn't received any information about my PSLF form, therefore I called MOHELA, was on hold for XXXX hours and they said they were unable to find my application which was ALREADY CONFIRMED TO HAVE BEEN RECEIVED ON XX/XX/XXXX. 
XX/XX/XXXX -- I put together a new PSLF form from my employer and re-sent it in ( faxed to number that representative told me ( XXXX ), fax number XXXX for which I got a confirmation email stating it was sent through. 
XX/XX/XXXX -- called MOHELA regarding status of PSLF form, was on hold, tried to press any option and it put me on an endless loop of prompts that kept repeating themselves which truly made it IMPOSSIBLE for me to get through to a representative.I have been trying since XXXX for this to happen and people keep losing my applications or won't allow me to even get the help I need. 

# called for MOHELA EACH TIME -- XXXX
Complaint sub-issue: Information belongs to someone else

The former address Equifax has listed on my consumer file is incorrect. Equifax will not delete incorrect former address. I have notified them in writing about this incorrect information. During the Equifax breach my file was mixed and merged with someone else consumer file and the incorrect address remains on my consumer file.
Complaint sub-issue: Problem with customer service

I paid of in Full my Student Loan through the XXXX Website on XX/XX/XXXX using their " Payoff Calculator '' On XX/XX/XXXX they debited my bank account the full amount of my regular student loan. When I called, I pointed out that I paid it off in full and was still debited on XX/XX/XXXX. Furthermore, the website showed the - {$130.00} balance and also stated I was still in " REPAYMENT '', even though other loans clearly said " PAID IN FULL ''. They would not immediately refund what they took from my bank account without permission ( They no longer had permission because I PAID IN FULL ). And would not give me a date of when I could expect my money back. Nor could they change the status to PAID IN FULL. Paying off my loan should not entitle them to continuously debit my bank account! And if a company provides a payoff calculator, and the customer uses it to pay off the loan, then their should n't be any need for the customer to ever call back in.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX  Account DPT EDXXXX # 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
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent letters out to the credit agencies on XXXX  stating that I disagreed with the investigation that was done in regards to my credit report. I requested that they provide the method of verification, including the individual with whom they verified the account with ( names and business addresses ) so that I may follow up with them. They have not responded to me within the 30 day window and are now in violation of the The Fair Credit Reporting Act. ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXX  with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}
Complaint sub-issue: No notice of investigation status/result

in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report
Complaint sub-issue: Can't stop withdrawals from your account

I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them
Complaint sub-issue: Their investigation did not fix an error on your report

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. XXXX is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with XXXX. Once the CARES hardship programs ended, my ACH auto-draft was canceled by XXXX without my knowledge. XXXX told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to XXXX 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to Equifax, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from Equifax, XXXX, or XXXX. I want these late payments and inquires removed because Equifax, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
Complaint sub-issue: Account status incorrect

I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both XXXX  and Equifax. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on XXXX and listed as closed accounts on Equifax. They should have never been added because the debts with the original creditors was discharged.
Complaint sub-issue: Called after sent written cease of comm

I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX, LENDING CLUB, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LENDING CLUB, and XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Complaint sub-issue: Banking errors

On XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX moneylion emailed me saying I'll get {$20.00} if I sign up for their plus product, but I already signed up for it, and every time I respond asking for the {$20.00} they say they have no idea what I'm talking about or I should be getting it soon. I was referred by XXXX and based on that should be getting the bonus.
Complaint sub-issue: Debt is not yours

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Complaint sub-issue: Trouble with how payments are handled

Hi, I 'll keep the story short. It has been quite a few years since XXXX of my XXXX private loans with AES went into default. At this point and over the last several year 's I have n't even been contacted by any agencies about these defaulted loans, so I have absolutely no idea where they stand. The reason I went into default was because I exhausted my deferment and forbearance options with AES ( www.aessuccess.org ). None of AES 's repayment options worked with my living situations at the time ( since my income was extremely low ), and they would never work with me to create any other alternatives to repay back the loans ( from approx XX/XX/XXXX-XX/XX/XXXX ). They never informed me of default risks or offered any preventative measures to stay out of default ( for example, that if I event sent {$5.00} a month it would keep me out of default ). I feel like the company did a poor job assisting me, and made the process of trying to stay afloat financially in XXXX hard, or trying to pay other bills and loans impossible. I 've always felt cheated by them, and stressed at the fact that they never helped or worked with me to avoid default. Till this day I wish they helped me lower my the payments. All their repayment options did n't take into consideration all of my other student loans, so none of them would have ever worked. They never took into account expenses and other bills either. I am currently paying all of my other current private and federal loans back without any issues. It 's just that these XXXX that went into default are partially to blame due to AES 's customer service reps that I used to get frustrated with since they were hard to reach and nothing close to a service in helping me pay back loans. They gave me no opportunities, hung up on me often ( between XX/XX/XXXX-XX/XX/XXXX ), and as I exhausted my forbearance/deferments with them they twisted my arm and said their will be repercussions ( default ) if I did n't make payments, yet they never explained or assisted me in any way to stay afloat. I feel really cheated by them and it has impacted me financially ( in the long run ), and my future aspirations in life. Everything about their customer service to repayment help options have not been helpful. I really wish their service team acted more like a service and assisted me in the process a bit better so I could have avoided default.
Complaint sub-issue: Account information incorrect

Credit card through XXXXXXXX XXXX XXXX reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report
Complaint sub-issue: Was not notified of investigation status or results

Reviewed my credit report Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Reporting account that shouldn't be on my report. Incomplete Collection Account and Unknown. Incomplete accounts shouldn't be on my credit report per federal law. XXXX XXXX? incomplete and inaccurate.
Complaint sub-issue: Didn't receive notice of right to dispute

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt ENHANCED RECOVERY CO # XXXX
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX  THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK
Complaint sub-issue: Not given enough info to verify debt

a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service.