Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Complaint sub-issue: Debt was paid

I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.
Complaint sub-issue: Having problems with customer service

Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.
Complaint sub-issue: You never received your bill or did not know a payment was due

Early this year, I received a credit card, which I thought was attached to an existing KeyBank joint checking account. I activated the card and charged {$4.00} at XXXX XXXX. All cards associated with our accounts at KeyBank are paid, in full, on line and on time. In XXXX, I received a letter, indicating " the minimum amount due '' was not paid. I spoke with customer service representative, XXXX  ( ref XXXX ), who told me this is an unsecured credit card, not associated with my personal checking account. As I had not requested such a card, I asked that the card be cancelled and the account closed. I asked him to remove the late fee, as I never received a statement. He said it was an " on line '' process. I asked where this account exists on line, as this card is not showing when I log onto the KeyBank site. I asked for a paper statement so I could pay the {$4.00} owed. I received a letter about a past due account instead. I called customer service again today and was told by XXXX that the call with XXXX was " not properly closed '' so, although the account was closed, no statement was sent and I could get the information on line. I asked if she could tell me how to access this, she said she could not and transferred me to another representative. The call was dropped after our initial introduction.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, XXXX, and Equifax. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with XXXX and Equifax are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX NJ ).
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNIVERSITY XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT VETS ACCOUNT NUMBER : XXXX
Complaint sub-issue: Information is missing that should be on the report

I was going through my recent credit reports online and noticed on my Equifax report, there are several accounts in collections but no information on who the collector or agency is. I have no information stating where these accounts are coming and unsure how it was verified to be mine. I have no original creditor listed nor a collection agency. From my understanding, if an account has the ability to be listed as a negative account, I have to right to know who the original creditor is, and also who is trying to collect in the account. I have no information to go by to verify these accounts. This is clearly a violation. These accounts are hurting my file negatively and I would like for them to be removed immediately. I have included a screenshot of each account listed.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.
Complaint sub-issue: Their investigation did not fix an error on your report

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is refusing to allow me to submit a dispute on line in an effort to keep negative information that is not mine on my report. I have tried to initiate and check the status of my dispute, and they keep advising I'm submitting personal information that does not match their records. I have submitted the same information to start my initial dispute with no problem, now all of a sudden the information I submit does not match according to them : I am trying to dispute the following accounts as they are not mine and are fraudulent. Continued placement of these accounts on my credit record is in violation of the Fair Credit Reporting Act : Equifax Report Number : XXXX 1. XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX 2.XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX 3 . XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX 4.XXXX XXXX   XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have been reaching out to remove a bankruptcy from my credit report for several months now. The company in question, Lexis Nexis, has falsified information as to how they received access to this information, violating the law as a result, and asked them to do the right thing by removing this information from their record, and I have yet to have received a response in over a month. This inconvenience has had a major impact on my life and ability to apply for anything credit related, and I want this removed ASAP.
Complaint sub-issue: Account status incorrect

I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XXXX on my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.
Complaint sub-issue: Problem making or receiving payments

I opened up a new checking and savings account with Citibank in XX/XX/XXXX through a promotion that would pay a bonus of {$400.00} if I maintained {$15000.00} across the two accounts. I deposited the required amount of funds into the savings account and maintained the balance for the length of time required by the promotion ( in fact, the {$15000.00} is still in my savings account to this day ). In XX/XX/XXXX, Citibank closed my checking account without my knowledge. 

When I inquired about payment of the promotional bonus, I received the following message from Citibank : " We show that Checking account number # XXXX was closed on XX/XX/XXXX ; therefore, the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX. '' I spoke to two different Citibank supervisors via the CitiPhone line, who both assured me as the checking account was closed by Citibank without my knowledge, that I was entitled to the promotional bonus as I had kept the full {$15000.00} in my savings accounts as required by the promotion. They both promised that I would receive the {$400.00} within 10-14 days. However, in both cases, I received a letter from Citibank denying that I was owed the bonus. My last contact with a manager was on XX/XX/XXXX at approximately XXXX ET. 

Citibank has acted fraudulently and in bad faith in this situation as the reason they are now denying my bonus was due to an action that they took unilaterally. Further, they still had access to my {$15000.00} during this entire time.
Complaint sub-issue: Reinserted previously deleted info

CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Complaint sub-issue: Information belongs to someone else

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement.

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # XXXX
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX is saying they dont have a report on me.
Complaint sub-issue: Trouble with how payments are handled

When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.