Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX to XX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. InXX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Complaint sub-issue: Reporting company used your report improperly

I am writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.
Complaint sub-issue: Not given enough info to verify debt

This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. 

After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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: Problem accessing account

well here we go in a circle again. 
my father passed away XX/XX/2020. 
I can not beleive i have to write this again. 

please see the preveious complaint that was made and see citi banks enclosed response, requesting after weeks of waiting again and after months and over a year waiting still. 

and after they have had all the legal documents faxed to them many many many times. and they have been left and see as the citibanks branches live with me bringing them there. Here we go again with citi bank asking me again for the legal documents showing that I am the administrator of estate for my father XXXX XXXX XXXX, that again they HAVE BEEN GIVEN THESE DOCUMENTS SEVERAL SEVERAL TIMES. 

I DO NOT UNDERSTAND THEIR NON STOP DELAY OF ANSWERING A SIMPLE QUESTION. 
WHERE DID MY FATHERS CD GO THAT HE HAD WITH CITIBANK? 
WHEN WAS IT CASHED OR OR MOVED? AND IF MOVED? WHERE WAS IT MOVED TO? 

MY FATHER HAS HAD BOTH HIS SONS TAKE CARE OF HIM AT DIFFERENT OCCASTION WHERE HE WAS VERY ILL, IN ICU HOSPTIAL VISITS AND NURSING HOMES IN THE LAST SEVERAL YEARS OF HIS LIFE. 

IT APPAEARS A CD MAY HAVE BEEN CAHSED OUT AND STOLEN I NEED TO KNOW FROM CITIBANK, WHO ONCE AGAIN, AND AGAIN, AND AGAIN, AHS BEEN ASKED FOR THIS INFORMATION AS THEY HAVE IN THEIR POSETION. 
MY FATHERS DEATH CERTIFICATE AND THE LEGAL ADMINISTRATOR OF ESTATE PAPERS. I DONT ' KNOW HOW MANY TIMES THEY NEED THESE PAPERS GIVEN TO THEM BY ME IN THE LAST YEAR AND A HALF. 

I DONT UNDERSTAND THSI. 

I ALSO ASKED ABOUT SOME CHECKS AND MORE COPIES OF HIS CHECK REGISTERS AND CHECKS WRITTEN AND CASHED FROM HIS ACCOUNT BECAUSE AT NO POINT WERE THERE STATEMETNS AT THE HOUSE NOR STATEMENT MAILED TO THE HOUSE AND I ASKED FOR SEVERAL YEARS BACK AND I DO NOT UNDERSTAND WHY THIS IS SUCH A BATTLE. ALL THE WORK COULD HAVE BEEN DOEN IN TALL THE TIMES THEY HAVE SPENT ON PHONE CALLS, LETTERS AND RESPONDING HERE WITH TELLING THEY NEED PAPERWORK AGAIN. 

THIS IS VERY HARD ON MY WELL BEING TO CONTINUE TO HAVE TO SUPPLY CITIBANK WITH DOCUMENTS THAT THEY HAVE BEEN GIVEN SEVERAL SEVERAL SEVERAL TIMES. PLEASE JUST HELP. 

PLEASE STOP ADDING TO STRESS. i N EED THIS TO END. 

SEE THE DOCUMENTS THAT YOU HAVE BEEN GIVEN AGAIN AND AGAIN AND AGAIN AND AGAIN AND AGAIN ... NOW ONCE AGAIN ATTACHED TO THIS FILE IN THE COMPLAINT.
Complaint sub-issue: Information belongs to someone else

Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always XXXXEquifax that gives people headaches.
Complaint sub-issue: Account status incorrect

In XXXX of XXXX Afni INC XXXX XXXX  XXXX, XXXX, IL XXXX Reported to the credit bureau that I owed them money form and XXXX XXXX XXXX account. I have never heard of Afni nor received and correspondence stating I owed them money. I mailed Afni a letter return receipt requested asking for proof that I owed them any money as I have never had an XXXX XXXX XXXX account. 
I never heard anything back I fought the fictitious entry on my credit report and it was removed I then noted the XXXX XX/XX/XXXX settles with Afni for credit bureau reporting violations. 
Well afni is still doing it!!! Please DO SOMTHING ABOUT IT!!!!

The reported incorrect info to the credit bureaus about me.
Complaint sub-issue: Account information incorrect

The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.
Complaint sub-issue: Account status incorrect

This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. I have proof that I had insurance at the time of service. This company has been trying to destroy my name. I called XXXX XXXX they could not provide me any information on what bills this was for and they are showing a zero balance. I will be forced to turn this over to the attorney general and small claims court as I am tired of the harrasement. There are 3 different amounts {$190.00}, {$4.00}, {$130.00}.
Complaint sub-issue: Information belongs to someone else

I am interested in disputing all incorrect information on my credit report with Equifax.
Complaint sub-issue: Information belongs to someone else

I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, EQUIFAX AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.
Complaint sub-issue: Information belongs to someone else

Upon receipt of my recent credit reports from XXXX, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at Discover Bank ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and XXXX Credit Reports.
Complaint sub-issue: Reporting company used your report improperly

I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.
Complaint sub-issue: Debt was result of identity theft

Upon retrieving my credit report XXXX XXXX. I noticed the fraudulent account. Immediately I reached out to the company as well as the Credit bureaus to get to the bottom of this matter. Upon investigating I realized I became a victim of identity theft. Some crook obtained my information and acquired goods fraudulently in my name in another state/city that I've never lived nor visited. The collection agency was extremely distasteful and unapproachable in the matter and Absurdly demanded immediate payment. I did not acquire this account it was obtained under false and fraudulent intent. I notified the FTC as well as my local police department of this incident.
Complaint sub-issue: Account information incorrect

XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a loan with discover Financial and decided not to accept their terms! They continue to pull my credit report I think it's been 10 times in the last 6 weeks! I've called and asked them to stop to no avail
Complaint sub-issue: Denied request to lower payments

Back in XX/XX/XXXX i asked for a extension for my car payment of XXXX and was accepted to not pay my loan till XX/XX/XXXX due date but since i am on a very strict income { fixed }, i have a 10 day grace period and with that said i pay on the XXXX of each month through XXXX. When i accepted the extension 'They asked me if i could pay for it after wards and i said no ' end quote. I have been threatened nagged harassed by this lending company in California and i asked many times to either lower the payments or take the car back either by voulantary surrender or reposession they will not refinance or lower my payments because of PERSONAL HARDSHIP. i only make XXXX month and have rent, utilities, life insurance to pay, medication { XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. These people do not care about anything but getting the MONEY and i need help. A bank took money out of my account after the claim closed because the merchant somehow put the money back in which i think was a fake. I am a victim of ID THEFT SINCE LAT XX/XX/XXXX. Please help me to lower my payments if you can. Thank You
Complaint sub-issue: Public record information inaccurate

I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. LEXIS NEXIS AND XXXX ARE REPORTING IT. LEXIS NEXIS TOLD ME JUST TO SEND THEM THE POLICE REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. XXXX WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.
Complaint sub-issue: Reporting company used your report improperly

My information was breached from Equifax without my consent, impacting my credit and allowing others access to my identity
Complaint sub-issue: Account information incorrect

I checked my personal credit report, which I acquired from Equifax and I've filed disputes on my hard inquiries that I did not authorize on Equifax but they did not remove them even though they don't have validation that I authorized the hard inquiries. I request that Equifax remove the hard inquiries I disputed recently. If they do not remove, we will take other options to remove the hard inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Equifax that I am a victim of identity theft and that there are fraudulent items listed on my credit report.
Complaint sub-issue: Account status incorrect

Updated CONNS CREDIT CORP Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Hide Details After Before CONNS CREDIT CORP Account Name XXXX Account Number Secured Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$2500.00} written off. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$3100.00} Original Balance {$0.00} Highest Balance 30 Months Terms {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount I have try disputing this item with conns numerous period of time someone went into they store a location thats no longer open someone working for them let someone used my information after my wallet was stolen and get items in my name which was fraud i fax over the police report to conns coporate got no response but they written the account off but they still reporting it to my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair credit reporting act XXXX, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
Complaint sub-issue: Account status incorrect

I sent a letter to XXXX  over a month ago, didnt hear anything back, so i sent a XXXX letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent XXXX letters and i have not heard anything back from them!
Complaint sub-issue: Debt was paid

I.C. System INC. repeatedly adds the same fake debt to my credit report. I have already successfully disputed the fake debt twice and had it removed before but they keep adding it back. The amount the are falsely claiming is {$61.00} and allegedly originated with XXXX internet. XXXX has absolutely no record of this debt when I spoke with them and said it doesn't exist. I do not recognize this debt as being mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of ID theft. And : I produced all the documents to XXXX  and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : DISCOVER BANK, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Complaint sub-issue: Account status incorrect

I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I was notified by Equifax Credit Corp. that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to Equifax showing the bill had been paid. I also contacted XXXX XXXX on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to Equifax Credit Corp.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute with XXXX and XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score.
Complaint sub-issue: Problem with personal statement of dispute

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Complaint sub-issue: Information is missing that should be on the report

I've been attempting to do a loan assumption through US Bank since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because US Bank had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get US Bank to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.