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

On XX/XX/2020 I sent in a request to have items I believed to be fraudulent removed from my Equifax credit report. All inquiries that extend from XX/XX/2020 through XX/XX/2020. Since I had not seen any activity, I am filing this complain so that I can have this issue addressed with the urgency and sensitivity it deserves. Being a XXXX Veteran on a fixed income, during a pandemic has been a struggle to say the least. But to add insult to injury I am also one of the millions of affect Texans affected by the snowstorm last month. I only want to see that this issue is resolved so that I can focus on other pressing issues dealing with the transitioning state of my health.
Complaint sub-issue: Contacted me after I asked not to

On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed.

On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed.

On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. 

Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.
Complaint sub-issue: Debt is not yours

At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX  the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution. 

This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX  ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).
Complaint sub-issue: Their investigation did not fix an error on your report

Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, XXXX XXXX and Equifax - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Collection opened XX/XX/XXXX Account type Open account
Complaint sub-issue: Problem with customer service

I have two loans serviced by Fedloan Servicing ( acct # XXXX XXXX XXXX ). 
Accorded to their records, I have made 153 out of 120 required payments towards these loans towards forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program. I have called on multiple times and have been told that " everything looks good '' towards these loans getting XXXX, yet nothing has happened. The letter that I received from them ( dated XXXX XX/XX/2021 ), actually has the TEPSLF data missing from what the previous letter showed. In essence, going backwards. 
I have filed formal complaints with the company, your office, as well as the ombudsman office in Kentucky, both with no results. Below is the wording that I submitted on the loan servicer 's website tonight. Please help!!! 

I have been working on my TEPSLF package for several months now, but to date I am getting the run around. The last two times that I've called I was told that everything was good and that I would be getting new of my approval soon. This has not happened. I've also filed complaints with you and the ombudsman office ; no results there either. What does it take to get a straight answer about my application? I'm really getting tired of being ignored, and told false information.
Complaint sub-issue: Information belongs to someone else

My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX  to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Complaint sub-issue: Their investigation did not fix an error on your report

I cant qualify for a mortgage because Equifax refuses to delete inaccurate child support information from my credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have mailed in a copy of my child support orders for them to see how much I was ordered  to pay. I also included all my pay check stubs to show that I have paid on time since child support started in 2013. I submitted all my check stubs with the year-to-date information highlighted so they could see that I had never paid late nor that I was in collections, along with a print out of the Child Support Payment History, to show that the payments had been received by XXXX XXXX XXXX. I also sent in an administrative hearing court order and an official letter from the XXXX XXXX XXXX XXXX, stating that they had reported the account erroneously and that this account has never been past due and was never in collections and that they reported the account in error. I have been trying for over 12+ months to get Equifax to correct ( delete this account ) my report and they are refusing to do it, and they are continuing to report the erroneous/negative/delinquent information. I have sent all correspondences via certified mail to Equifax while disputing this account. I have tried numerous times to resolve this matter with Equifax and XXXX XXXX XXXX, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.
Complaint sub-issue: Debt was paid

I originally purchased a phone from XXXX being told it was a free phone with purchase of a plan but because I was XXXX and had no credit I had to make a down payment. After the phone was paid off with credits I was supposed to receive check for reimbursement, that phone broke but I had XXXX XXXX, and sent the phone back. And they had sent a new phone. I had even received a confirmation voice mail. Then when I went to pay my bill I seen that I had been billed for the phone. I called them immediately and they kept pushing me to pay the plan part of my bill and theyll try to figure that out later. But I kept calling and all they did was transfer me back and forth and keep me on hold for hours. Theyre charging me for a phone they owe me money for
Complaint sub-issue: Reporting company used your report improperly

My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have been the victim of 3 scams, regarding men from dating service, Our TIme, asking for money. # 1 XXXX went to XXXX for gold, over purchased and was unable to get out of the country Since XXXX, due to custom fees, tax fees, jail fees after striking a airport employee preventing him getting on the plane, and hospital fees after suffering a XXXX XXXX. He was working with a tour guide XXXX, and an attorney XXXX XXXX. Claims he has money in shares but all tied up since he is out of the country, Lives in XXXX, one of his residences. Loss of XXXX and now in debt at least this much from him. 
# 2 Contracted physician working XXXX XXXX requesting help with XXXX XXXX for vacation requests. have spent XXXX in various fees to get the vacation released. Bitcoin and one wire for transfer and still not granted due to I am unable to come up with the final {$2500.00}. required to meet the vacation request. Met XXXX XXXX XXXX stating that he lives in XXXX, however found that he is in XXXX XXXX for contracted job and needs to get out of XXXX XXXX, Was injured in XXXX himself, gunshot wound. Funds locked up at home in bank due to being out of the country. XXXX has been sent to XXXX for his release. XXXX XXXX paid and sent XXXX of the last XXXX after promising to send {$3000.00}. But still owe XXXX or they will cancel the vacation and we will have to start over. Money paid at bitcoin. Still not released. Loves me to the moon and beyond and can pay everything back once out for the vacation. All I need to do is come up with the remaining XXXX and get him out and he will reimburse me 100 % plus more for my trouble and stress. 
# 3 Our time friend 1-2 months XXXX XXXX. Went to XXXX as airplane repair job for 3 engines that needed to be replaced. Needed money as soon as he got there for custom fees, {$5000.00}. I said no and did not hear from him for 30 days. He needed my help. I was his only hope. His banker financial adviser would front the money to my account and pay credit cards as we used them to obtain money to send to XXXX in XXXX. Payments started being returned to creditors, and I have been left with XXXX debt which I can not pay off. Supposedly has unconditional love for me and ready to marry. Banker stole money from my XXXX XXXX XXXX Father 's bank account that showed in my profile after having obtained access to the account in error. 
Rules to dating. You are the queen, if they want to date you they pay and never give money to them. Never talk or date anyone outside a 50 mile radius, never allow access to bank accounts. But now I am the one who needs help. What can be done?
Complaint sub-issue: Didn't receive notice of right to dispute

I am in the process of working on a loan and was alerted to a collection from XXXX XXXX XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by XXXX XXXX when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Complaint sub-issue: Account information incorrect

I sent a dispute listing 3 inaccurate items on my credit report. After receiving a notice that the 3 inaccurate items were verified I mailed a letter via certified mail article # XXXX XXXX XXXX XXXX XXXX requesting the method of verification regarding the 3 items that were verified. the Fair Credit Reporting Act 611 ( a ) ( 7 ) WHICH ENTITLES ME TO THE EXACT PROCEDURE USED TO VERIFY THE INFORMATION, ALONG WITH THE BUSINESS NAME AND ADDRESS AND NAME OF THE PERSON THAT EQUIFAX SPOKE TO WITHIN 15 DAYS. Equifax failed to provide any information at all. 
Equifax failed to provide any response to my Method of Verification request. 
Due to Equifax committing this violation of federal law, I am entitled to a minimum of {$1000.00} for this violation. I also believe Equifax is in violation of FCRA 616 for willful non compliance as well.
I want the method of verification as requested and a {$1000.00} Cashiers Check or Money Order.
If the method of verification is not provided, I would expect my {$1000.00} payment and all 3 inaccurate removed from my credit report immediately. 
The confirmation # XXXX stated that the inaccurate items were verified. 
I sent the method of verification via certified mail # XXXX XXXX XXXX XXXX XXXX and it was received by XXXX XXXX XXXX on XXXX XXXX,XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has 4 accounts in which they receive 6 payments every month. 1 account has been receiving far too much money resulting in over-payment of {$1300.00}, while another account receives no payments. I have alerted XXXX XXXX  of the issue and told them that they need to reapply the money to the account that was overpaid to the account that was not receiving the proper payment. We have all the supporting documents from my Bank bill pay and they are willing to send them documents dating as far back as three years ago. We have called and spoken with several XXXX XXXX representatives and they have stated they were aware of the issue and that was a problem on their end and that they would fix it. However it has been a month and they have not fixed the issue nor called me back about it, and they absolutely refuse to send an email so that I may have further evidence on their statements.
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is with XXXX XXXX  XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX   dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. Equifax also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, Equifax XXXX and XXXX XXXX. They all should be in the XXXX range as I value my credit very much.
Complaint sub-issue: Information belongs to someone else

We opened our LLC business XX/XX/XXXX as XXXX  XXXX XXXX XXXX. We recently started building our credit and we were getting denied then realized there was alot of inconsistencies on our business credit report. We have been denied with 9 inquiries for our business and creditors are told our business doesnt exist. We contacted Lexis Nexis XX/XX/XXXX about this situation. Lexis Nexis stated that they could not confirm our business information and asked us to scan our EIN letter and Articles and proof of address into them. We did this, and they stated they still could not confirm and said to allow them 60 days to investigate. We received a report by mail for XXXX XXXXXXXX. We contacted them by phone to advise them of the missing letter on the " enterprises ''. Again, they wanted us to send documents, we sent them and still the same info they sent to us is someone else 's business information which includes someone elses private financial information and sensitive information. We contacted Lexis Nexis again and requested to speak with a supervisor to resolve the situation. They stated a supervisor would contact us within 48 hours. A supervisor did contact us, but advised us we need to send in documents and that they could not start an investigation without the info. We advised her that we did send in documents 5 times, documents confirming our business was sent in multiple times. We informed her that they are pulling up the wrong business and to check the spelling on the business name and the Entity ID number. No resolution on this call. Stated there is nothing they can do. We called Lexis Nexis again to complain that the investigation of the business is NOT our business, the entity number and spelling of the business they sent us is different from ours. Also our business address was updated and that info was sent to them as well. attaching documents.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

US Bank approved me for a XXXX XXXX Visa card on XX/XX/2022 with a very low XXXX credit limit. I have a XXXX credit score and I need to escalate this to an executive customer service at US Bank XXXX Please increase my credit limit to a reasonable amount such as XXXX for a business credit card.
Complaint sub-issue: Debt was paid

I contacted my health insurance after receiving a bill from a medical  facility. The date of service was on XX/XX/XXXX for {$110.00}. 
My XXXX  insurance paid {$280.00} on XX/XX/XXXX. This is the second time for this bill that the medical facility tried to bill me for this invoice. 
I spoke to the medical facility about the XXXX time they were trying to bill me on XX/XX/XXXX at XXXX AM. The call ended and was told that they will review my file. 
I spoke again to the medical facility on XX/XX/XXXX and left a message. I received a phone call by the medical facility and was told that they did receive the payment from my health insurance and that they called the debt collector company and also faxed them saying to delete this account it was the medical facility and not my fault. I was told by the debt collector that they cant get into my account because they closed the file.
Complaint sub-issue: Reporting company used your report improperly

The fair credit act XXXX XXXX XXXX, my acct # XXXX, violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

I signed a PPA lease Agreement with Solarcity for a solar system installed on my home that gave me the option to purchase the solar system after 5 years at fair market value determined by an independent 3rd party appraisal per the agreement. Solarcity was taken over by Tesla. I have requested a payoff from Tesla for the last few years. Despite wear and tear, the payoff price for the system theyve given me has increased dramatically from the original quote I was given years ago to now over {$70000.00} for the system. Ive inquired with them as to how theyve determined these prices and theyve been unwilling to be transparent with that process. Ive asked if they would identify the independent 3rd party that is determining the fair market value and they were unwilling to divulge that information stating that is was proprietary information. I dont believe Im the only person running into this issue with Tesla regarding their solar PPA agreements and I just want to be certain they are indeed giving me the fair market value price.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously submitted a dispute due to Equifax not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through XXXX XXXX, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. XXXX XXXX sent me mail showing the account satisfied and closed. On XX/XX/2018 Equifax reopened this paid closed account to unpaid with balance of {$160.00}. I called XXXX XXXX XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with Equifax because them had indeed sent Equifax my file for this account being paid and closed. Equifax had severally damages my credit because of their negligence and I am ready to sue them over this.