Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!
Complaint sub-issue: Information belongs to someone else

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX, I paid electronically $ XXXX XXXX. About 7-8 days later I saw that only 1/3 of it posted. I called them and rep kept telling me they never got the 2/3 of my payment and advices me to call my bank despite my insisting that the money had already been taken from my bank. He was rude and said he doesnt know what else to tell me but to call my bank. So I did. And bank tells me they nelnet took the money. I told bank nelnet claims they dont have it so I asked bank to pull money back. The next day nelnet calls telling me they found money but looks like bank taking it so can I call bank. Bank says cant reverse process so I pay back the 2/3 to nelnet on XX/XX/XXXX. About a week later again I see only 1/2 of this was applied. So I call them and ask where the other 1/2 is. And they said theyll look into it. But no one ever calls me back from solutions. I keep calling back and they give me the run around. Finally one was nice and on XX/XX/XXXX it got resolved. Now as of XX/XX/XXXX the money is missing again. I just called them today, XX/XX/XXXX, and their reps are being rude and giving me the runaround again. How do I file a lawsuit against nelnet?????
Complaint sub-issue: Reporting company used your report improperly

I sent a letter to all XXXX credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Debt is not mine

i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
Complaint sub-issue: Didn't receive notice of right to dispute

Dear Sirs! 

My previous landlord did not notify me in a written manner ( did not send a written notice ) about the collection moreover did not give me a possibility to dispute the debt. I got known about the collection while was applying for a new credit card. Collector " XXXX XXXX XXXX '' XXXX XXXX XXXX, XXXX, WA XXXX, the landlord " XXXX XXXX at XXXXXXXX XXXX ''. I did know that I can dispute the debt and require from them an additional information in order to validate the debt therefore paid in full. I scared that my credit score will go down and decided to make a payment ASAP. 

Appears that actually no matter if I have paid or unpaid collection nevertheless it hurts the credit history tremendously. After that I called a bunch of times and also send them both ( the collector and the landlord ) emails to remove a paid collection from my credit report and unfortunately any luck. 

The landlord gave me a notice to vacate to premises, I vacated the apartment unit moreover gave them a notice to vacate in a written form, same day the representative from the landlord inspected the premises. After that they did not inform me that created a collection debt for the lease termination. 

Looking fwd for your cooperation and help in the case In my opinion the landlord and collection agency did not give me a change and a possibility to validate the debt and prove my rightness.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2016, XXXX, promoted and sold to me a so-called " XXXX '' package that promised outstanding income for selling on XXXX. The attached documentations show that XXXX XXXX did not deliver on the services as agreed. I have contacted Citibank on three occasion seeking a solution to this dispute. They refuse honor my claim on grounds that they can not get in touch with XXXX XXXX, since they have since been closed by the FTC.
Complaint sub-issue: Didn't receive enough information to verify debt

X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.
Complaint sub-issue: Trouble with how payments are handled

I am contacting you today to request a gesture of goodwill. I have several loans with Fedloan. I am currently on an income based repayment plan that does not require me to make a payment. I would like to actually repay my student debt. My education has served me well and because of it I have been presented with an opportunity to purchase an existing and successful franchise. However, the late payments on my student loan account are preventing me from obtaining an approval for the business loan I need to acquire the franchise. 

The late payments reflecting on my account are actually due to miscommunication on both ends. There were periods of time where I requested a deferment or forbearance due to my financial hardships but my requests were not initially honored ( Apparently due to a mistake made by the customer service representative ). In XXXX or XXXX of XXXX my family was struggling to make ends meet and were on public assistance. I communicated this to a representative at the time and they informed me they would request a deferment of my payments for 1 year. I thought my account was squared away and did not check my monthly statements, for a while. 

In the XXXX I received a notification via email that my loan was on the verge of defaulting which prompted me to call. It was then that I was informed that the deferment I requested had not been implemented. The representative was very polite and helped me resolve the issue through backdating the forbearance and deferment request. It was my understanding I would not need another deferment for at least 12 months if my financial situation did not improve. This was not the case and lead to additional late payments on my accounts. 

I take complete responsibility for not following-up and ensuring the initial deferment was implemented and for not understanding that I needed to make another deferment request, however ; I would really like to be in a position to repay my loans in full. The franchise I seek to acquire will allow me to repay all of my student debt within a matter of 36 months. I understand Fedloan is obliged to report payment history accurately. I ask that either Fedloan stop reporting the late information and make it " unavailable '' or better yet update my payment history to reflect the loans were in forbearance/deferment for the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX and XXXX of XXXX and mark them as paid as agreed. Doing so will allow me to improve my financial position and repay my loans in full.
Complaint sub-issue: Their investigation did not fix an error on your report

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX  ) this action might constitute fraud under both federal and state laws.
Complaint sub-issue: Threatened to sue on too old debt

AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.
Complaint sub-issue: Investigation took more than 30 days

OnXX/XX/XXXX, we wife and I sent letter to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit reports. We have long since received investigation results from XXXX and XXXX XXXX, but we have yet to receive anything in the mail from Equifax. We 've even sent follow-up letters. Still, no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested unauthorized inquiries to be removed from my equivalent credit file. I have never given permission for these inquiries to be made. I expressed this to equifax via certified mail and the response given to me is that these were facts.
Complaint sub-issue: Problem with direct deposit

my sister or daughter or someone in my family has my social in my birthday and they're taking my government check and my stimulus check I have tried to report it to direct Express but they won't do that they say they have no control over it and I get transferred from direct Express social security social security back XXXX XXXX I don't know what to do
Complaint sub-issue: Debt is not yours

Robo Calls everyday, sometimes 2x a day from phone # XXXX ERC unknown caller about debit collection ( robotic messages ) My phone # is on DO NOT CALL registry This is an unknown debit, that I know nothing of
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.
Complaint sub-issue: Funds not received from closed account

Hello, I have safe deposit with US Bank in XXXX XXXX, IL. I paid the {$130.00} on XX/XX/XXXX approximately XXXX and explained to the teller ( XXXX I believe is her name ) that I will probably be closing the safe deposit box within the next week and if I did would I receive a refund. She informed me yes and I told her I would return. She stated thank you for waiting as it was a lengthy wait on this particular day and I asked again if I would receive a refund. She stated yes again. 

I returned on XX/XX/XXXX and proceeded to do what I thought was appropriate and close the safe deposit box as I had pretty much dissolved any business with this financial institution because of bad customer service. I was waited on by XXXX XXXX and unbeknownst to me as she was cancelling me out I retrieved my items she did not provide me with a refund like XXXX had stated I would receive. I informed XXXX regarding the conversation XXXX and I had on the prior Saturday. I told her that although XXXX did not know the amount she did not know the extent of the amount. I informed XXXX to reverse the cancellation because I would have not paid the safe deposit fee that prior XXXXy had I known and would have retrieved my items that day had I not received misinformation. 

XXXX provided me with a form with an amount of {$95.00} and when I asked her about the additional {$40.00} she became very indignant and told me the fee can go up at any time and that I could not receive a refund. I informed her it was completely unfair that not only was I given misinformation but there was price gouging and asked her to provide me with her full name and the branch managers name. 

She attempted to write her name down on a sticky note instead of providing me with a card and I had to insist on getting the branch managers name. To my dismay the branch manager was sitting right there while all of this was unfolding and told me that XXXX does not handle safe deposit information and would not know how it should be handled. 

I explained to the XXXX XXXX ( branch manager ) that I would have cancelled the box the same day however she would not listen and basically informed me that this is just how it is. I also explained that is really unfair treatment which resulted in me closing accounts in the past and for them to suggest that I can still close and be out of {$130.00} is ridiculous. While this entire ordeal was unfolding, I was on the phone and my witness heard the unprofessionalism. 

My position is had a known I would not receive a refund, I would not have renewed the safe deposit box and returned less than a week later and spend 40 minutes for nothing.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I requested my free annual credit reports from all three credit bureaus through XXXX. However, I only received reports from XXXX and XXXX. Equifax would not show my credit report from them unless I sent sensitive personal information, such as my Social Security number, by mail as proof of my identity. In the next couple of days, I called Equifax instead to try and verify my identity there. But after 20 minutes of answering the representative 's questions, they apparently still couldn't verify my information. 

I tried requesting credit reports from all three bureaus again on XX/XX/XXXX. Again, I received reports from XXXX and XXXX, but not from Equifax. 

There should be no problems in confirming my identity and sending my credit reports to me like XXXX and XXXX. But Equifax never seems to be able to confirm my identity no matter what I do.
Complaint sub-issue: Sent card you never applied for

I received a XXXX XXXX card from Card.com and XXXX that I didn't apply for. When I tried reaching customer service the automated system simply asks me to provide personal information including zip code and social security number. I did not provide this.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXXXX/XX/XXXX and Equifax. I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy.XX/XX/XXXX and Equifax keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to XX/XX/XXXXand Equifax. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.
Complaint sub-issue: Problem getting report or credit score

Unable to obtain my report via official XXXX website ( paid ) or annual credit report. This happened before and Equifax just sent me a paper copy. I want access to this online.
Complaint sub-issue: Information belongs to someone else

I did not receive a response from Equifax after sending two letters disputing the inaccurate information on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 2 inquiries on my equifax credit report from the same company less than 30 days apart. one inquiry is on XX/XX/2022 and the other is XX/XX/2022. They are both from XXXX. I have no knowledge of these inquiries and I did not authorize for my credit reports to be used for this company. These are fradulent inquiries.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND EQUIFAX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. EQUIFAX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Complaint sub-issue: Account terms

Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

1. I set up a recurring monthly payment in my personal account on the money source ( https : //www.themoneysource.com ) for my mortgage monthly payment on XXXX or earlier. 

2. I received an email from " the money source '' named " Recurring Payment Confirmation '' in which I was told " This email is to confirm that following your request, we have established automatic drafting ( " auto draft '' ) for your monthly mortgage payment. The first auto draft will occur on XX/XX/XXXX ". 
I also received a paper letter from the money source which told me the same thing after a few days. 

3. Nothing happened on XX/XX/XXXX and even XXXX XXXX, but I didn't know that, until XX/XX/XXXX I suddenly found the recurring payment didn't work. Because there was a late payment record appeared on my credit report. My credit score drops almost XXXX to XXXX and my wife 's as well 4. I made the 2 months payment on XXXX XXXX. I explained reason is not on me and asked the creditor to remove the late payment record. I was told they submitted a request but could not guarentee. 

5. I wrote to the money source through their message system on XX/XX/XXXX. And they asked me to call them. 

6. I called them today XX/XX/XXXX. They refused to remove the late payment record on my credit report. One of their manager told me they had send me a posted mail telling me that they turned off my recurring payment. But I never received such letter. And I don't know why they didn't send an email to me as well this time. 

7. I have to file the complaint here since it is not my fault to make such a late payment. And the money source -- my creditor refuses to correct my record. My credit score is kept well, I don't want it destroyed by the creditor 's mistake. 

8. I have the email and paper mail copy attached.