Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

called equifax approx XXXX ; XXXX XXXX  on XX/XX/2020 and spoke with a supervisor by the name of XXXX who refused to file my dispute i advised that according to FCRA AND CONSUMER CREDIT ACT I have submitted a written request sent certified that i am disputing these inquiries that is listed on my credit report, the 1st rep ( XXXX  ) acknowledged the receipt of the letter XX/XX/2020 received by EQUIFAX but the companies weren't listed so i advise XXXX XXXX supervisor ) i am calling to FOLLOW UP now, she then without me providing any companyy name proceeded with assumption to tell me that all of these inquiries are FACTUAL like XXXX, i responded by advising her I NEVER once mentioned XXXX XXXX XXXX so why would you assume thats who i was disputing instead of allowing me to give the names, i advised her under the consumer credit protection act and federal credit reporting act i have the right to dispute an inquiry that is unauthorized meaning a company obtained my information without authorization or permission and it should be DELETED she told me that is not a VALID reason and EQUIFAX does not take disputes on inquiries despite me reaching out to said companies and THOSE SAME COMPANIES do not or can not verify my information with their company what i would like to know why are reps at equifax making decisons or unwilling to accept disputes based on personal opinion and not defending the consumer yet is privILIGED to consumers PERSONAL INFORMATION but refuses to accept OR PROCESS disputes. 

Your Desired Resolution : i am seeking reps TO be educated on the LAW and the 4 inquiries that i have not been able to successfully dispute because the reps have shown no desire or interest to even investigate or provide me the opportunity to do so, they are reading a script and rejecting ANY HARD INQUIRIES DISPUTE when i have the right to have these inquiries DELETED. to which they did not even ASKED ME the names, they assumed which is shouldnt be the protocol of just simple customer service. i sent a written letter certified mail and I NEVER EVEN RECEIVED A REPLY OF ACKNOWLEDGMENT AS A COURTESY. I CALLED TODAY and these people treated me as its personal and rejected to assist me in any way, other to redirect me cause they simply did not want to do a job
Complaint sub-issue: Information belongs to someone else

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX 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 XXXXas 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Complaint sub-issue: Information belongs to someone else

So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan two cards that don't belong to me at all they are a result to identity theft.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Complaint sub-issue: Problem with customer service

Im not able to reach the Mohela regarding the Public Service Loan Forgiveness program. Im only getting a busy signal or message saying the call can not be taken due to high call volume. The online PSLF form status does not show a record of my application.
Complaint sub-issue: Reporting company used your report improperly

XXXX  XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

Equifax XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from my credit report.
Complaint sub-issue: Received bad information about your loan

This is in reference to my previous complaint #  XXXX .      XXXX / XXXX /  XXXX   - I contacted a CSR at Nelnet to find out the status of my student loans. I was told that my student loans had been put on Forbearance, from  XXXX  due to an error in processing my REPAYE recertification. At no time did I ever request that my loans be put on Forbearance as I am almost 5 years into my 10 year plan of  Public Service Loan Forgiveness  and I knew that a Forbearance would negatively affect my plan. I was never told that my loan was being put on Forbearance. I was done without my consent. Because of this mistake, I was told that my payments of {$100.00} were insufficient and more interest was added to my balance, bringing the grand total to {$95000.00}.
Complaint sub-issue: Billing problem

I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

AES ARE CHARGING ME FOR A LOAN THAT I NEVER RECEIVED, I DID NOT ATTEND COLLEGE OR GET A LOAN IN 2006. I APPLIED BUT NEVER ATTENDED. SOMEONE FORGED MY NAME EVIDENTLY. THEY TOLD ME NOT TO MAKE CONTACT WITH THE SCHOOL. WAS SUPPOSED TO SEND ME A PACKET BUT NEVER DID.I PAID MY 1 AND 2 LOAN OFF AND NOW I HAVE A 3 AND 4 LOAN THAT I NEVER APPLIED FOR.
Complaint sub-issue: Debt was result of identity theft

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as Equifax, XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Debt is not yours

I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to XXXX I wrote equifax about a problem I was having with XXXX XXXX XXXXXXXX about a collection they said I allegedly owned. Equifax claims that the company was able to validate that debt but I believe it was just a generic response because XXXX couldn't now validate or verify the debt and therefore removed it. I want equifax to please delete the account immediately before i have to file a law suit against them. 
The proof that XXXX deleted the account is attached to this email.
Complaint sub-issue: Old information reappears or never goes away

XXXX this is a paid account and closed with a XXXX  balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Complaint sub-issue: Their investigation did not fix an error on your report

my dredit file have been de fade from Equifax, all my account has disappear, I have not credit in equifax
Complaint sub-issue: Their investigation did not fix an error on your report

I need some help I disputed with Equifax a couple items that are inaccurate which are as follows XXXX XXXX XXXX XXXX medical debt for {$690.00} which is inaccurate I'm in the military and do not owe on any debt this is inaccurate and needs to be removed XXXX XXXX XXXXXXXX XXXX In XX/XX/XXXX and XX/XX/XXXX payments were on time, how was this information verified they can't pull up the data and verify nothing but account was paid off. Requesting these inaccurate remarks in the payment history be removed XXXX XXXX XXXX  XXXX XXXX is my current and active account and has always been paid on time I was not past 30 days late on XX/XX/XXXX and XX/XX/XXXX and if the information data is suppressed how can your agency verify this is accurate. Requesting removal of these two late payment remarks XXXX XXXX XXXX XXXX I do not agree my account was 90 days past due XX/XX/XXXX this is inaccurate information and needs to be removed I have attached a copy of your response so you can address
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I printed my Equifax report and noticed unauthorized/fraudulent inquiries on my credit report without my knowledge and written consent. I called Equifax to report this fraudulent activity and even sent a certified letter with a copy of my ID, social security card and utility bill through XXXX with the FTC report and Identity theft report requesting these inquiries to be removed from my credit report. this violates my rights to privacy under FCRA. 

Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. 

( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 

( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Equifax failed to remove this fraudulent activity and say the information came back verified after being properly investigation. As California resident and according to the FCRA Act, I'm requesting a description of the reinvestigation procedures. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Complaint sub-issue: Debt is not yours

I received calls and letters from General Revenue Corporation about a debt they claimed i owed. They threatened me that if i dont pay they will mess up my credit and sue me. They messed up my credit score. I was very afraid and started making some payments. After paying over {$1000.00} to the collection agency even without them providing verification, they claimed that all the money i have paid were just applied towards their collection fee and not the so-called debt. I sent out a request for debt validation and verification ( Original contract signed with creditor with my signature ). They refused and failed to provide the required verification that meets the Fair Debt Collection Practices Act. They started shout and yelling at me over the phone and told me that they will not provide any more verification of the debt ( Original contract signed with creditor with my signature ). Instead they sent me a statement list all the previous payments I had made on the debt. I am requesting that they delete this unverified account off of my credit report or provide me the Original contract signed with creditor with my signature that shows that their claim that I am the person who owes the debt. They have been violating my Rights and Defamed my Character for over 3 years. My credit score has suffered terribly as a result. I have been denied apartments and credit as a result of their bullying and fear tactics and refusal to do what is lawful and to stop this illegal act against me. I am filing this complaint as another opportunity for them to do what is right and I am also filing this request as proof that i will use when i sue them according to the FDCPA.
Complaint sub-issue: Billing dispute for services

I called Security Team at Citi Bank and they said they could not help me! 
They told me if I could not give them the exact number of the card from almost 1 year ago between XX/XX/XXXX-XX/XX/XXXX then Their was nothing they could do to help. 
I was astounded!! 
I told her, " I have the statements in front of me, in my hand that were sent to me by Citi Bank and you are saying we won't help you because you may have shredded your old card? '' 1. THIS IS HORRIBLE CUSTOMER CARE 2. THEY KEPT SAYING THEIR US NO CARD # XXXX ON FILE WITH MY NAME ON IT ; THIS IS IMPOSSIBLE AS I'VE PROOF 3. THEIR IS A CARD ENDING XXXX TGAT " IS NOT MINE ''!!!
Complaint sub-issue: Debt is not mine

while i was checking my credit score i found my score went down from XXXX to XXXX then i checked everything i found account from remex inc for debt collection {$75.00} i did not know for who i called them they did not give me enough information but they told me its from XXXX hospital, but that is wrong i have complaint against hospital for {$1200.00} and the hospital did not send me any statment for $ XXXXand also remex collection agency did send me any notice about that how they give themselves the right to report me and destory my credit becuse i complaint fraud XXXX hospital
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Complaint sub-issue: Debt was paid

My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a collections account on my file that I have never done business with from I C SYSTEM INC # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file.
Complaint sub-issue: Account information incorrect

I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX 2021 XXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.