Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX of 2021, I mailed a dispute letter to Equifax and XXXX  about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted Equifax and XXXX  in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with XXXX XXXX online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with Equifax as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with Equifax online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that XXXX XXXX should clear up the information on their end or fix it with Equifax. However, I called XXXX XXXX today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within XXXX XXXX  system and found no error there. I was told by XXXX XXXX to reach out to Equifax again for the hard inquiry and to let them know that XXXX XXXX has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.
Complaint sub-issue: Other problem getting your report or credit score

I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure XXXX is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Public record information inaccurate

A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my Equifax report of {$98.00} that should not be on my report because it was fraudulent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiry by XXXX on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX XXXX  on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX on XXXX I called each company to state that I didn't initiate these inquiries and requested for them to delete the inquiries from the bureaus or send me a deletion letter. I was ignored after several request.
Complaint sub-issue: Old information reappears or never goes away

Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .
Complaint sub-issue: Seized or attempted to seize your property

On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The loan was sold to XXXX XXXX  on XX/XX/XXXX. We made monthly payments to XXXX XXXX. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with XXXX XXXX subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by XXXX XXXX. On XX/XX/XXXX we received a letter from Amos Financial LLC informing us that we owe {$63000.00} for this loan. We sent Amos Financial a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by XXXX XXXX  and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Don't agree with fees charged

Case number : XXXX I 'm having problems with login and no password has been emailed to me. 
As of two days ago I have received letters from XXXX and American education services, they have denied me again! ( From AES : We reviewed your application for loan discharge due to an unpaid refund and determined that you are ineligible or that additional information/documentation is needed ). They denied me due to missing information, and texas workforce stated they ca n't provide any records and I have called all over XXXX, texas no one is n't helping me to locate the attendance records, and refund from the school? So where is the help this is unjust, I have call state agencies, U.S. Dept. of education, and state district NO HELP! I 've even tried to speak with the Loan servicer of AES all they can state is you signed a promissory note, yes but where are the documents? where is the refund? I really need help assistance, because the school had closed and I have n't received the funds back from the school? I have paperwork that was giving to me, obviously someone is either hiding the true facts of my records/refund from the school? I do not have a certificate, and If i did have a certificate I would be working as a transcriptionist.I have n't graduate from the school, if there is no records of me attending the school why i 'm I paying on a loan that I never exist at this school? 
Even more they had me assuming that I have to payback this loan, and the only thing at the time was to consolidate, I had a trouble life and that going to school was the best option for me, but when the school did n't have XXXX programs I tried to leave the school then, they stopped me and place me in transcriptionist classes. Not long I withdrew from the school. Signed paperwork. No one do n't have any records of me attending school? Well other then Federal Student Aid has the school showing but no attendance dates is present. 
I did go to this college, but I withdrew and the refund was never credit back to XXXX XXXX/ or to me. 
College : XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.
Complaint sub-issue: Problem with customer service

Today, XX/XX/19 at XXXX XXXX XXXX., I made a payment to Citibank. The payment amount was for {$250.00}. The source was my Citibank checking account. The application was to my Citibank Mastercharge account. The vehicle was the Citibank mobile app. I followed the instructions and when I completed the transaction it stated I had transferred the full balance owed ( {$10000.00} ) instead of the other amount of {$250.00}. I immediately tried to cancel the transaction but there was no feature to do so. I called the bank and was told that the checking side saw the transaction but couldn't reverse the transaction but the credit card side could. I transferred to the credit card side and at first they couldn't see the transaction. After going back and forth the credit card side saw the transaction and said they could transfer the money back in 3 to 5 days. This has caused my checking account to become overdrawn. I was unlucky. I have overdraft protection so that plus my balance allowed the transaction to go through. My compliant is having to wait 3 to 5 days for the funds to go back to the account when it is the same financial institution just different sections. I will probably incur overdraft charges because all my bills are coming in on ACH 's. The bank should be able to instantly return funds if it is an intabank transaction but for some reason they didn't anticipate people mistakenly paying more than intended. I have used their app twice and had problems twice. I have told them I will never use their app for any transaction again. I know that you can't help me as by the time you see this and act, the money should be back. I am sending this to help someone else that runs into this problem and isn't as fortunate as me.
Complaint sub-issue: Frequent or repeated calls

Lived at an apartment complex five years ago. Gave 60 day notice and moved to new apartment. Have lived in several places since then. Looking for new apartment currently XXXX XXXX 2015 XXXX, and with credit report old apartment complex says I owe almost $ XXXX as of XXXX 2015. This is incorrect and needs to be deleted. I was not informed, taken to court, and I have n't been there in five years. Credit report is showing as of XXXX 2015. Incorrect date and fraudulent charges.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing in response to the recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items below. 

XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Complaint sub-issue: Account information incorrect

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX   {$2300.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$140.00} I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX and my address is XXXX XXXX XXXX # XXXX, XXXX OH. XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 I drove to the key bank I normally go to so that I could deposit four checks. There was a sign on the door that said temporarily closed however there were cars in the ATM lane that was on the rear of the building, a drive thru ATM machine. That was operating. There was no sign stating otherwise. 

I entered my card, selected deposit and placed all four checks into the ATM as usual without incidence. One of the checks apparently had a minor rip so the ATM stated one of the checks will be returned to you. I waited and waited.finally after 2-3 minutes the check came out. The screen then showed the picture of remaining three checks with green check marks next to it. I waited and waited. After 3-4 minutes, no receipt was given nor any confirmation on screen that the deposit was made successfully. 

Then the screen said return card? I hit it concerned I would never get my card back because it seemed something was wrong with the ATM. 

I waited again 3-4 minutes and finally my card was ejected.

I immediately signed in and checked the key bank website to see if the three checks were deposited. Nothing. 

I drove home and called the bank who then sent me to the Dispute claim line where I filed a claim. 12 days later I sign into my account to see if there was any update and I read case denied. I was livid. 

i phoned the dispute claim office who then sent me to fraud dept who told me that no checks were found in the ATM. And that I need to contact all three of the check insurers to tell them to stop payment on the checks. 

Im at a huge loss. Confused why the checks were not found in the ATM machine. Did they search the incorrect ATM and instead look in the one in the bank in the vestibule? I asked the fraud dept about this and now I am waiting to hear back. I am livid. I need the funds.
Complaint sub-issue: Fraudulent loan

I qualified for a student loan discharge from Nelnet in XX/XX/XXXX. Nelnet " Discharged '' my loans in full ( $ XXXX ) in XX/XX/XXXX. I have the IRS 1099c form showing " Discharged '' in full. I never again heard from Nelnet until a few months ago when I applied for housing. They said that Nelnet shows past due a few months. Nelnet was called and they said chose to " reverse '' my " discharge '' from XX/XX/XXXX in XX/XX/XXXX. 

Nelnet wrote the loan off in full in XX/XX/XXXX, and now 8 years later they want to double dip. This is not only fraudulent, but its criminal and predatory. 

I contacted Michigan Attorney XXXX XXXX, ( XXXX ) and he will take my case and file a lawsuit but he requested I submit a complaint first.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The hard inquiries that were authorized by me with my consent are XXXX XXXX XXXX XX/XX/2019 and XXXX  XXXX XX/XX/XXXX and XX/XX/2019. All other hard inquiries were observed on my credit report recently and was not authorized by me and without my consent. These inquiries are listed below. 1 ) XXXX- XX/XX/2019, XXXX  XXXXXX/XX/2019, XXXX- XXXX XXXX, 2019, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2019. Also see a previous consumer dispute sent on XX/XX/2019 in reference to XXXX XXXX technical issue that was pulled my credit report back to back many times after one credit application. Which they admitted to the issue and tried to resolve it. The hard inquiries still havent be removed associated with it. All 7 hard inquiries were done without my consent and was reported to thier security department and fraud team. The only hard inquiry that was authorized by me from XXXX XXXX was done on XXXX XXXX, 2019. All other inquiries were not authorized and their was a glitch and security issue that created multiple credit pulls which resulted in back to back credit pulls from this company. Several tickets were sent for the error to be fixed and the account was notated by several managers.
Complaint sub-issue: Reporting company used your report improperly

It seems my information might have been stolen in the Equifax security breach. I 've put a 90 day fraud alert on my credit file, as instructed by resources online. This has been a frightening and inconvenient situation.
Complaint sub-issue: Debt is not yours

AR RESOURCES INC. has been attempting to collect a paid medical bill for {$390.00} since XXXX of 2017. This has been on my credit report as a collection, with the name of the hospital I was seen at. That is not only a huge HIPPA violation, but illegal to collect on medical bills that had been paid by insurance ( XXXX ). My credit reports state that it has been sent to another agency or assigned to an attorney! That is illegal! This is a medical bill paid by state insurance.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX, THE ONE AND ONLY XXXX XXXX WHO's SOCIAL SECURITY NUMBER IS XXXX ( Which is attached XXXX am a victim of identity theft. I Filled out a FTC report about it ( report # XXXX ) .by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Complaint sub-issue: Need information about your loan balance or loan terms

XX/XX/XXXX, XXXX " Determination of Relief '' Student loans that were approved for discharge through borrower defense repayment have not been discharged nor was there any communication from servicer about details after approval from Department of Education . Additionally, interest on student loans have been accruing during COVID-19 pandemic.