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

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
4. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

My Citibank XXXX XXXX Credit Card credit limit of {$20000.00} was decreased to {$18000.00} on XX/XX/2020 after filing two Consumer Financial Protection Bureau ( CFPB ) complaints against Citibank regarding two unresolved disputes on XX/XX/2020. In addition, Citibank acted in reprisal after invoking my Servicemember Civil Relief Act ( SCRA ) rights within the disputes and CFPB complaints.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried contacting Equifax several times to dispute unauthorized inquires on my credit report but they have been unwilling to address the issue. I filed a complaint against transunion and as a result of their investigation they removed the unauthorized inquires. I spoke to someone at Equifax a week ago who said all I would have to do is fax them a copy of the investigation results and they would remove the inquires in 5 days. I sent the fax containing the results from the investigation the same day he requested me to. I called back on yesterday, which was the 7th day and was told they couldn't do anything I needed to file a complaint with the Federal Trade Commission. I went to the FTC website to file complaint and they directed me to the CFPB to file the complaint.
Complaint sub-issue: Information belongs to someone else

I already have a complaint because a account is showing on my credit report with Eqifax, Who would not remove the account. It has come to my attention that a hard inquiry was placed on my credit report dated XX/XX/2019 for XXXX XXXX that does not belong to me.The complaint number is XXXX with the CFPB. The name may match up but the last four of my social security will easily clear the matter up.
Complaint sub-issue: Received bad information about your loan

The following is a detailed explanation of the matter but in essence, I am requesting that all student loan payments made while in the XXXX XXXX XXXX XXXX XXXX XXXX count towards the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program I applied for -- as I was instructed it would. 

I began working for the XXXX XXXX XXXX on XX/XX/XXXX. Prior to having my student loan consolidated with XXXX XXXX, it was with XXXX and had consecutively and punctually made all monthly payments to them. 

I learned about the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program through my eomployer, with the understanding that my prior student loan payments while working for the XXXX XXXX XXXX would qualify towards the 10 year repayment program. 

On XX/XX/XXXX, I successfully faxed the PSLF form to phone number found on page 4 ( of 6 ) on the form ( please find attachment ). 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I qualified for the PSLF program ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that XXXX was servicing my student loans ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that my repayment schedule had changed. The letter was very confusing because it gave 7 possible reasons why this may have occurred versus being specific so I called XXXX XXXX ( please find attachment ).

This is when I learned that I my student loans were consolidated into a Standard loan and that my 20 prior payments since beginning employment for the XXXX XXXX XXXX was not going to be applied towards to 10 year loan forgiveness program. I asked how I was erroneously placed into a Standard loan when I had successfully applied and qualified for PSLF. The representative could not provide a reason and said I would need to complete the PSLF forms again, which is the same form I successfully submitted on XX/XX/XXXX. 

I still have not been told how or who erroneously submitted my loan into a " standard '' program versus the PSLF program, which is what I applied for. 

Thank you for your attention in this matter, XXXX XXXX
Complaint sub-issue: Account status

Equifax failed to report correctly and after multiple disputes and investigations, they have always come back to the same conclusion without investigating and are slow to even help me with my issue over the phone/writing and now this complaint. My last complaint i made to them, I 've told my side of the story, it came back twice that debt was mine from Equifax and they also sent me a free credit report but was still reporting. Finally the Original Creditor took it off my report because it was FALSE, but as an example, Equifax was no help prior to that. 

My issue this time is the same. They are reporting that i have an Open account with XXXX. I DO NOT, and this has been dragging my credit scores down for over 5 years now. They need to take me seriously and take this off of my report. I have personally found every piece of evidence that i do not have a loan open with santander. 


I have reported my issue with XXXX ( XXXX ), i have written a letter to contact my XXXX representative and Senator, and I 'm now writing to CFPB for more help. Both XXXX and XXXX have helped me very quickly because it 's obvious. Equifax will need to fix my issue immediately. I have finally found every piece of evidence to prove to CFPB and if i get denied again, ill will take further action. 

I have attached my equifax report on XXXX. It shows its an open loan and is still paying. This is account is PAID AND CLOSED. this account was joint and i was not even sent bills nor paperwork. I have never lived at the las vegas address that is listed from XXXX. I did not sign anything for XXXX. Name says " PRIMARY = XXXX ''. Equifax have also failed to change my info. My middle name is spelled wrong. This goes to show, XXXX and Equifax did not make a good enough job when i was added as a co applicant or going through paper works. 

i have attached a bill that says last payment which is XXXX balance on the loan in 2012 but how is Equifax reporting that its open and still being paid? Equifax has been ruining my life and credit score over this and it needs to be fixed. Many Fair Trade Acts are being broken here and i time in the next couple of months to go as far as i need with this.
Complaint sub-issue: Deposits and withdrawals

I opened the account at the in XXXX and my open date was changed along with statement information such as deposit amounts and credits within the bank. I just as called by the personal banker at heineins XXXX Ohio branch to come back and sign another document to verify identity of me being the owner of the company when the information was provided at the beginning this was around about XX/XX/2020. I advice him that I had signed this document already but signed again anyways. He stated that they didnt have it and needed it signed again and resubmitted. Then on XX/XX/XXXX I experienced a decline with the same account was told to call and I spoke with someone and he stated that it came up that I was in California and I wasnt. I couldnt make transfers to access my money and I wasnt told anything but to call my branch. I called my branch and spoke with my personal banker XXXX and he said he didnt see anything wrong with my account and that he would issue me another card but when I tried to use it. It came back decline again while the branch was closed I called the XXXX number and the lady told me that a representative named XXXX closed my account and it says that he needed more information on the business. I am very disgusted with whats going on and would like XXXX to stay out of my account or whomever is deleting documents that verify the business that is available in the state website by the way
Complaint sub-issue: Was not notified of investigation status or results

Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, XXXX, and Equifax with no change. I would appreciate if these late payments are deleted from my credit report.
Complaint sub-issue: Received bad information about your loan

Fed Loan Servicing coerced and deceived me into entering an unidentified program to make monthly {$5.00} payments toward student loan accounts, without disclosing that they were a debt collector. 

The company at no point in time ever identified itself as a debt collector. Consequently, I was never aware that I was dealing with a debt collector. 

In fact, I believed this company was a federal agency. Much to my surprise, the student loan accounts, dating as far back as 1989, are being reported as open on my credit profile at the national Credit Reporting Agencies ( CRAs ). 

Fed Loan Servicing has violated federal law by using deceptive and misleading tactics, not identifying themselves as a debt collector, in an effort to collect on more than 30 year old student loan accounts by reporting them to the CRAs.
Complaint sub-issue: Having problems with customer service

XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

n accordance with the Fair Credit Reporting Act Bankruptcy XXXX  XXXX account : XXXX, XXXX, Bankruptcy XXXX  XXXX account : XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

they never took my calls I tried to get in touch with them several times but no luck.
Complaint sub-issue: Information belongs to someone else

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXXK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted proof that the debt in question was paid in full and balance in {$0.00}. They are still refusing to remove false or paid debt from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax currently reports XXXX XXXX XXXX XXXX XXXX on my consumer credit report inaccuratly and illegally. 

XXXX XXXX XXXX XXXX XXXX did not offer permissible cause, no credit or loan as been awarded. 

Inquiry was not authorized by me and must be deleted
Complaint sub-issue: Not given enough info to verify debt

I received a notice for an account that is unknown to me, requested verification and received just a statement which provides me with no kind of evidence. Please assist me
Complaint sub-issue: Account status incorrect

There is a medical collection/chargeoff on my credit report that is unknown and I have aked for verification for 5 months and I get nothing from the bureaus. Also it is a charge off still reporting with a balance of $ XXXX.That is inaccurate reporting. 
this is messing up my credit report because of inaccurate information
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We filed the initial response with Citibank on XX/XX/XXXX. We have sent requested information to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The dispute was resolved in our favor and a permanent credit was issued on XX/XX/XXXX. We confirmed this permanent credit with Citibank via phone on XX/XX/XXXX and XX/XX/XXXX and were assured both times that Citibank would honor the permanent credit. The permanent credit was then reversed on XX/XX/XXXX due to the merchant 's response. We have requested the merchant response and have received 3 blank pages. We were told by a supervisor, XXXX, on XX/XX/XXXX that on his end the merchant response also showed as 3 blank pages. Today, we were told that there is in fact another page, which we are entitled to receive, but Citibank is refusing to provide us, relative to the merchant response. Out of an abundance of caution, we responded to the reversal and stated that we intended to continue the dispute and submitted yet again, the information that has been previously sent to Citibank on XX/XX/XXXX. Today, XX/XX/XXXX during one phone call we were told that the information we sent was input into their system on XX/XX/XXXX. Then, during a second call, we were told that we had yet to respond to their request. We have sent proof of our claim against the merchant, who fraudulently installed incorrect carpeting and refused to provide a final invoice for what carpeting was installed or any warranty information, more than 5 times at this point and would like our permanent credits reinstated. We have downloaded the correspondence from Citibank that on XX/XX/XXXX they found in our favor and issued permanent credits which they have now reversed.
Complaint sub-issue: Information belongs to someone else

Below are the open and close dates for each of the disputes I have opened with Discover. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the Discover account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 

1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. I have contacted Equifax on several occasions advising them that this company XXXX XXXX XXXX is a fraud company that's trying to collect debt on old stuff. I did tell them the company is stating I took a loan out online but there is no solid proof that, that's me. There are statute of limitation a debt collect can report something on your credit and for Florida they have four year. This so called debt they say I owe is over 6 years ago. And I never received a any statements in regards to this issue. Also the representative with Equifax does not understand English and that bother me no one is helpful.
Complaint sub-issue: Investigation took more than 30 days

I sent a certified letter to Equifax on XX/XX/2018 To Equifax to send me verification ( contracts and etc. ) from the following accounts, The first time I sent a request they asked me to send a photocopy of my ID, so I did ask asked this time. Then I received a really weird email asking me to opt-in online to receive results. I didn't give out my email to them on the letter I sent. So I'm confused on their process I asked to receive my information by mail. XXXX obviously read my letter and carefully to my concerns into consideration, because I received a letter back from them with items that were removed and information that they were unable to retrieve. 
Collections : XXXX Hard 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
Complaint sub-issue: Having problems with customer service

My federal student loans are handled by XXXX XXXX ( PHEAA ). 
On XXXX XXXX, XXXX I uploaded a complete packet of materials requesting that my loans be moved from IBR to REPAYE. ( Uploaded XXXX as I always do for IBR paperwork. ) On XXXX XXXX, XXXX I received a notice that I was kept on IBR and my amount was the same. 
I called immediately after receiving that notice and was told the person who processed my application made an error and thought I had not requested the {$5.00} forbearance. The representative told me she would get it re-processed and I would be on REPAYE within XXXX10 days. 
I heard nothing and was still on IBR so called again on XXXX XXXX. I was told it was still in the works and to call back on the XXXX if I did not hear back. 
I heard nothing so I called back on XXXX XXXX and I was told it was being processed that day and that I should NOT pay my bill due on the XXXX. I clarified this with the rep multiple times to be sure I understood correctly that I should NOT pay my XXXX XXXX bill. He was adamant that I NOT pay. He said the {$5.00} forbearance would cover XXXX. 
I am now 11 days past due and have not heard anything back. My account now not only shows my past due payment but also the full IBR amount due for XXXX, meaning that my payment is still on IBR and the XXXX bill was not covered by the forbearance as promised. 
I sent an email on XXXX XXXX, XXXX with all this information requesting some assistance and guidance. On XXXX XXXX I received a reply that was only generic boilerplate about repayment options. 
It has now been 75 days since I originally submitted my request to move to REPAYE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.
Complaint sub-issue: Their investigation did not fix an error on your report

there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}
Complaint sub-issue: Unable to open an account

Tried to open an online savings account with Vio Bank on XX/XX/2022. Declined. Called customer service number provided. Would not provide a reason for decline. Escalated to manager level. Received similar response -- could not provide reason for decline, despite my request for one. Also, asked for compliance group number for further explanation and written response for why account declined -- would not provide either. Given this, asked they document my conversation and save recorded conversion with representative / manager for future reference. My credit/ financial history is pristine so seems like there is another factor at play here, possibly outside the bounds of ordinary business practices. 

Also, had contacted representative prior day due to technical issues ( proxy errors ) in submitting/ processing my application. This representative was very helpful and understanding, reviewing information and possible issues. Representative suggested reapplying later that day and, if encounter same issue, try again the following day, which I did and prompted call to customer service noted in prior paragraph. At this point, application was in submittal / processing stage.
Complaint sub-issue: Information belongs to someone else

This XXXX  XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.