Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
1 : Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE XXXX XXXX please update the following information which I saw your credit bureau to be missing or incomplete:1. Personal current address { XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX } 2. My proper full name { XXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( 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 ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }
Complaint sub-issue: Debt is not yours

On XXXX Equifax responded to complaint # XXXX and advised that the disputed item XXXX XXXX XXXX is no longer being reported on my consumer report. Can you please advise the date that the account was removed from my consumer report?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is regarding Credit Plus and XXXX. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was brought in to XXXX XXXX by XXXX police i didnt want to go there i wanted to go to the va because i am a veteran, i would'nt sign the admission so the nurse and the officer forged the paperwork and said that i was'nt able to sign.I have explained this numerous times to the company collecting the debt but they refuse to help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Received bad information about your loan

Dear CFPB, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments, XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, also XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX ( did not qualify on my subsidized loan but did count on my unsub loan ) and they, FedLoan Servicing never responded. 

I have never made late payments, yet it says I have 73 ineligible payments. If some count, they all should. I believe this error is because the loans have been sold/moved to different companies along the way. Initially, I was with a previous loan servicer, and now FedLoan Servicing. I am at a loss of what to do. They keep giving me the run-around and according to my calculations of payments I should have been done making payments toward PSLF. I have been an educator for 12 years with PSLF being my ultimate goal. This, what seems to be a never-ending run around for the last two plus years, has taken a toll on me mentally and made it impossible to take different steps towards my future and has brought unnecessary stress to my family.

This has caused I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed.
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2022 I found out us direct express card blocked my card from being used for legitimate purchases. They are telling me I have to call each time to use my card online and wait on hold over an hour so they can " temporarily authorize '' my card and I have a XXXX hour wait after they do so. This is financial abuse because I am an adult on SSI who knows how to manage my own money. I never had a payee in my life!
Complaint sub-issue: Information belongs to someone else

I do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX  and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2021 Someone fraudulenty opened a Citi card in my name. Trying to get the correct Citi card support number to call is frustrating at best. First thing they want me to enter into the phone is my SS #. NO!! No option for fraud just enter the card number ( that I don't have ) or SS # in order to talk somebody overseas. Right off the bat I don't think they are legit. Who knows if I called the right number there are dozens of them online. Finally got the card closed by hanging up on the first person who insisted I give my SS #. The second time I called I got someone who spoke English and finally closed the account without asking for all the info they should already have and assured me I would receive a report stating it was closed along with a survey. I then filed a report with the FTC and now here. I also opened a free online credit monitoring account with XXXX. I don't know what else to do. Credit card companies need to stop asking for SS # to identify me and provide an opening option to report fraud. I am not going to give the guy from XXXX all the info that was just used to fraudulently open a credit card in my name a second time. I just had to provide that info through prompts on the phone to get to him. Finding the support number to report fraud should easier to find online then it is. One number!!!! Not 12 different ones!!
Complaint sub-issue: Trouble with how payments are being handled

Nelnet has several late payments on my accounts. My accounts have been in good standing for many years because I have either done a deferment or forebearance on them over the years. In XX/XX/2018  Nelnet has late payments on all of my accounts with them due to some communication issues. I have attempted two times to rectify the situation with them by disputing with the credit bureaus, but they have not fixed the error. I would like these items updated the information on all of my Nelnet accounts including the recently closed accounts.
Complaint sub-issue: Account information incorrect

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Personal information incorrect

This upgrade loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). Upgrade has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX, FL XXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

We have tried multiple times to work with Discover Card regarding our struggle to pay our bill as a result of loss of employment due to Covid causing the XXXX XXXX  that I was working on to be shut down along with the next contract that I was to work on being canceled. XXXX XXXX  was one of the jobs I was to be on for years to come & the shutdown not only hurt my family income from over {$270000.00} income to ZERO income. I am having to leave the country to go to work but have not had my visa completed yet to work so my income has been at a halt since late XXXX early XXXX with an odd job here & there. I have even had to file for food assistance as a result of this situation. I have tried with no luck to get a hardship from Discover they just say " oh I'm, sorry we can lower your payment to {$400.00} '' & I tell them I can't even afford the minimum due of $ XXXX how do you think I can afford this. I know that they have these programs as I have seen the info online & I even gave that info over to them & they still say the same thing with no assistance. I tell them I am trying to pay you guys something & not have to file bankruptcy but with the lack of assistance that might be the only way for me to get things done. Other creditors have helped by applying hardship for 60 months with XXXX interest & even my mortgage company lowered my monthly mortgage almost half of what it used to be. I am struggling to keep a roof over my head & my lights on, let alone try to keep my credit in good standing. I am trying not to have to file bankruptcy but, if I can't get the assistance I don't see any other way at this point. The whole world has been hit with this not just me so you would think in this unique & crazy situation that they could work with us to not only try & get them some payments but also help a fellow human being in making it a little less stressful with the lack of income especially when I am paying what I can whenever I can. I'm not trying to escape the debt but trying to pay on limited funds.
Complaint sub-issue: Account terms

As per the creditor XXXX and the credit reporting agency ( Equifax ), I 've waited 60-90 days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report.
Complaint sub-issue: Investigation took more than 30 days

In XXXX, I filed a dispute with Equifax regarding some inaccuracies on my credit report. They received my letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance to the FCRA as I was supposed to receive a response within 30 days of filing my dispute and this was also the second dispute I filed with this company. The first dispute was filed on XX/XX/2020 for which I did not receive a response either. I certified my mail and was able to track the dates and times that it was received from USPS. Their lack of investigation compliance is impeding me from correcting my report and because of it I am experiencing a lot of turmoil as I can not purchase a home for my family and I.
Complaint sub-issue: Account terms

I was at my XXXX during 2012 and I XXXX. My Primary care physician contacted the XXXX XXXX Police and they handcuffed my and took me to XXXX XXXX XXXX. I told both parties that my MCO did not cover hospitalization. They insisted that I be committed for evaluation. I tried to sign-out XXXX ( XXXX ). I was denied. However XXXX XXXX and one of the medical providers billed me for this service. I became homeless and my case manager submitted a hardship waiver. For the most part the majority of the bill was waived. However, this one particular provider ( XXXX XXXX XXXX ) did not and they 've sent it to collection. Now under the 8th amendment of the US constitution all pretrial or post convicted prisoners are afforded medical treatment while in custody. Because of this constitutional right, I contend that I should have never been responsible for the bill in the first place.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : 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 all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.
Complaint sub-issue: Threatened to take legal action

This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I contacted this company on  XXXX   XXXX ,   XXXX   asking for validation of this debt. They have not responded, I did not enter into a written contract with this company and do not owe them anything.
Complaint sub-issue: Reporting company used your report improperly

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX Student Loan ) placed on my consumer report by XXXX Equifax, and XXXX Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are all the hard inquiries that I did not give permission to companies to run. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX
Complaint sub-issue: Contacted employer after asked not to

Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX XXXX. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with XXXX XXXX XXXX. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX