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

Im a victim of identity theft! Ive sent multiple FtC reports to XXXX & XXXX & Equifax!! XXXX has blocked all fraudulent information from my file. XXXX & Equifax says its gon na take 60 days!! Per Fcra All Fraudulent accounts should be blocked within 4 days. Ive never done business with any of this companies. Some used my name and ID to get medical care & Apartments. 
XXXX XXXX XXXX XXXX XXXX! Is Fraudulent they cant provide my signature!! Because Ive never done business with them!! 
XXXX XXXX XXXX XXXX XXXX!! Ive never done business!! XXXX has blocked from my report! 
XXXX never received medical care XXXX  never received care XXXX  contracting never done business. 

Im A Victim Of Identity Theft!!!!! 
Please Send And UpDated Credit Report Via US Mail!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Yes I went to XXXX on XX/XX/2019 on XXXX XXXX in XXXX South Carolina I spoke with I gentleman by the name of Mr. XXXX I gave him permission to do a credit check for me I went back to XXXX on XX/XX/2019 I spoke to a young lady by the name of XXXX I did not give her permission to do a run a credit check on me she told me she was just gon na check in with System and see what I was approved for when I cant then on XX/XX/XXXX but they did she simply told me that She was not going to run a credit but she did I got hard inquiry from this credit report can yall please help me to get this off
Complaint sub-issue: Was not notified of investigation status or results

I have submitted several disputes on behalf of the incorrect information being reported on my credit report. The last dispute was received by the credit bureau on XX/XX/2021. Since then, I have not received a response regarding the investigation I requested into the information on my report. Per the FCRA, the credit bureau is required to respond within 30 days which has not happened. The credit bureau has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. None of this has happened and as a result my personal credit has continued to suffer.
Complaint sub-issue: Attempted to collect wrong amount

I looked up my credit history and it shows jet Lending is destroying credit stating i borrowed money from them in 2011 this is false my information was stolen and i did not get a loan
Complaint sub-issue: Account status incorrect

All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.
Complaint sub-issue: Deposits and withdrawals

I am using an investing company by distributing funds from my PNC account to my XXXX account. Unfortunately, PNC is blocking me from distributing funds to my investments with XXXX. It's my money and I would like to use it the way I want.
Complaint sub-issue: Information is not mine

Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )
Complaint sub-issue: Their investigation did not fix an error on your report

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 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 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.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.
Complaint sub-issue: Information is missing that should be on the report

I have a mortgage with XXXX XXXX Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called XXXX and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.
Complaint sub-issue: Information belongs to someone else

I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Complaint sub-issue: Received bad information about your loan

I have worked for the same employer, which is a XXXX XXXX, since XX/XX/XXXX. I consolidated my oldest student loans into two loans with a combined balance of {$100000.00} on XX/XX/XXXX, and I have been making my monthly payments under the IBR repayment plan, which qualifies for the PSLF program, ever since. I have completed multiple Employment Certification forms that certify my employment back to XX/XX/XXXX, thus proving my PSLF eligibility for every single payment I have made on these two loans. 

However, the number of qualifying payments FedLoan Servicing shows on my loans is incorrect. The data shows I have only made 54 qualifying payments and am not eligible for forgiveness until XX/XX/XXXX. However, according to my records, I have made 90 qualifying payments and am eligible for forgiveness in XX/XX/XXXX. 

I have submitted multiple requests through the FedLoan Servicing website, with the last two being on XX/XX/XXXX and XX/XX/XXXX, requesting that the qualifying payment information be corrected. I have also made multiple phone calls to FedLoan Servicing requesting the same. The most recent emailed response I received was on XX/XX/XXXX, which stated, " Please allow ample time for this request to be completed due to the amount of extensive research involved with counting qualifying payments. '' While I understand my request takes time, it has been going on three years since I noticed the incorrect information and brought it to their attention. I am making changes in my career within the next 2 months and I require confirmation of the number of qualifying payments I have made and when I am eligible to apply for loan forgiveness. I have been unsuccessful at getting this information on my own, have allowed more than ample time for research, and now need to escalate this problem to a formal complaint in an attempt to resolve the incorrect information on my account.
Complaint sub-issue: Need information about my balance/terms

My student servicer was the Pennsylvania Higher Education Assistance Agency ( FedLoan Servicing ). I paid off the balance of my student loans XX/XX/2016. Prior to my final payment, I was able to view my payment history and accrued interest on the FedLoan Servicing website. However, after my final payment was processed, my online access to this information was removed, and I was provided the following message, " We 're sorry - the feature you requested is not applicable to your account. '' I was not informed by FedLoan Servicing that this information would no longer be available. 
I recently started my 2016 taxes, and I noticed that the student loan interest received by lender reported on my XXXX form appears dramatically lower than I would have estimated. Since I no longer have online access to my payment history and accrued interest, I can not verify the amount on my XXXX form. I called FedLoan Servicing, and the representative stated that he was unaware that this information was removed following final payment. I requested a copy of my full payment history and accrued interest, and the representative informed me that this information will be emailed to me, but it may take up to 30 days to process the request.
Complaint sub-issue: Problem accessing account

I have on multiple occasions tried to borrow money from cash lending apps such as XXXX. In the past with other banks, I have not has an issue. While trying to access my financial data, there is an error on the banks side. I would like it to be easier to use these services and be able to access my data through these services.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised from the lost of my wallet. I've also been a victim of the Equifax breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX XXXX$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXX and XXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}
Complaint sub-issue: Debt is not mine

This company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line
Complaint sub-issue: Frequent or repeated calls

Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Public record information inaccurate

Reached out to the lexis Nexis in regards to a judgement showing from XXXX XXXX XXXX  XXXX  from XX/XX/14, requested report And it shows no information but when mortgage company requested info it showed information
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Fraudulent loan

I am a victim of identity theft and someone has used my identity to obtain goods using my personal information.
Complaint sub-issue: Debt was paid

I paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Complaint sub-issue: Charged too much interest

Citi gave me a 24 % rate on a Citi double cash card. I called and complained they lowered to 19.25 % only after I complained. My credit score is over 800 on all three bureaus. They punish me with rate because I have no other relationships with them, I know banks do this. They also are refusing to generate an online statement fr XXXX because they told me that I owe noting. I told them I want a statement each month as I thought was required by a credit company to confirm balance and that account is opened. Only after I called did they day they'd mail one and refused to electronically send one. My  statement cut off date is XXXX of each month. Here we are in XXXX on the XXXX and statement and if I didn't chat with they would have never gotten one. I not only want a statement each month I now want paper so they can eat the cost of the postage. I want this rate addressed and explained. I can not keep closing credit cards when they are giving 24 % with an 800 fico.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report an collection account that is a result of fraud. If they had accurately investigated my dispute claim then the account would have been removed after the first dispute I initiated. Equifax validates the collection without doing the due diligence that they are suppose to and that has resulted in the XXXX XXXX collection showing on my credit report since XX/XX/2016. I have never had insurance through XXXX and Equifax refuses to do anything to help me remove this fraudulent collection.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response
Complaint sub-issue: Problem with customer service

This is fo r Citi Cards On   XXXX   XXXX , i tried to make a payment in the amount of {$5.00} ... whenever i have any extra money i immediately put it towards paying down my credit cards. I tried  two or three ti mes, but kept received an error that the website was down.     On  XXXX   XXXX , i decided to try it again. I noticed immediately I had a pending payment to them for  XXXX . I called right away to fix the problem and cancel the payment. I kept getting jerked around and transferred. Then told there was nothing they can do and to call my bank and they had to fix the problem. I called my bank ... .citi lied to me about that. We conference d in citi again  and we were told yet again they could n't do anything EVEN THOUGH I DID NOT EVEN MAKE THE PAYMENT.   On the morning of  XXXX   XXXX , my account was over {$1000.00} in the negative. I reached out  to Citi 's   social media and they had a "  specialist ''  call me. Again, after sitting on the phone and wasting my time, we once again conferenced in my bank ( who luckily is helpful ). I was promised yesterday that they would expedite their error and would be in my account today.   Again, i woke up this morning,  XXXX   XXXX  and not only was my account still in the negative, but now my NSF fees have hit.   This is disgusting and deplorable.  Citi Cards  committed fraud and need to pay for this. They are liars, they do n't care about the consumer, and they stole money out my account THAT I DID NOT AUTHORIZE.
Complaint sub-issue: Debt is not yours

I did a validation of debt with collection company EOS CCA that's reporting on my XXXX credit report. It shows I owe {$2100.00}, but i know nothing about this account and it does not belong to me. This EOS CCA company I've sent numerous validation of debt notices to this company and I still have not got a response. I ask for my original signature with the original creditor and original contract to show I owe this debt but I never received anything. I Know the fcra says the credit bureaus and collections compnaies have 30 days to respond and if they don't it has to be deleted from my experian credit report.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes ( XX/XX/XXXX  ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX : XXXX XXXX not mine
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft I have submitted proper documentation to have the fraudulent accounts removed and this company still has not removed it.
Complaint sub-issue: Account information incorrect

Whenever Equifax reports a dispute, they update the date reported. I have a closed account with XXXX that was settled. There is a current tradeline of " date of major delinquency reported '' that shows XX/XX/XXXX. That is completely inaccurate. The major delinquency was caused by XXXX  and occured in XXXX, and was settle in XXXX of XXXX. This is causing Fico to report the most recent late payment on the account to be only on month old, as well as a huge dip in my credit score which is affecting my ability to obtain a mortgage. 

I also requested through Equifax that the most recent dispute that was filed at the end of XXXX be deleted. I was assured that it would be deleted within 7-10 business days. It has been over three weeks since I made was told that the dispute would be deleted and it still remains on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to XXXX XXXX XXXX  several times to have the information being reported removed as it is reporting inaccurately. I have given several chances to have the information verified and proof shown and this has not happen. First letter went out XX/XX/2021, second went out XX/XX/2021 and third went out XX/XX/2021 and all I have received is that the information was completed over the phone which does not show contractual proof the debt is mine.
Complaint sub-issue: Other problem getting your report or credit score

I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.
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. 

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.