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

I filed a identity theft, report # XXXX and did a certified mailing to XXXX, Equifax and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX/XXXX  balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

All three credit agency are refusing to send me my credit report do to they say they can not verify my idenity but if i go online fill.it all out they can verify my idenity do to questions i answer an wan na charge me by law im intitled to one free credit report once a year there refusing to send me my credit report saying do to my new address not being here long enough ive been in XXXX 3yrs there is no other address to giv them plus threes years before that i was XXXX XXXX XXXX my id dnt have this add.my bills are all electronic i believe some1 has used my idenity for a mortgage loan and a home equity loan while i was in prison someone scaming is gon na do what ive been doing to get my credit report i need to see whats in there so i can address it right away my names XXXX XXXX thank you.please help me.
Complaint sub-issue: Received bad information about your loan

I made a request with Fed Loans in XX/XX/2019 to recount my eligible payments for the Public Service Loan Forgiveness Program, as the count looked inaccurate to me. It has now been 11 months, and I still have not received the updated count. I have called a total of 3 times in the 11 months, most recently one month ago, and was told that sometimes it " just takes this long. '' I explained the situation, and that my loans have only ever been with one other servicer, and also tried to escalate the conversations to a supervisor, but no one has been able to move this along for me. My loans are pretty straightforward ( only medical school debt, no private loans, all consolidated federal loans ) so I am unsure why it has taken almost 365 days to clarify my qualifying payment count.
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim of Identity Theft from several Data Breaches. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. I was a victim of the 2017 Equifax Data Hack that 147 Millions credit reports were stolen while on Equifax 's watch. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Public record

I filed chapter XXXX bankruptcy which is suppose to include all of my debts and stop any collection activities. Equifax is showing XXXX medical accounts which should be included in my bankruptcy discharge and not be separately reported on my credit report. This is reporting the debt twice because it any collection activity should have been removed. XXXX agreed with me and removed all XXXX collections. I believe the deragortory remarks should be removed or they should assist me in working to pay off the debt and agree to remove the negative cillections from my report. The bankruptcy should be the only deragatory remark on my report.
Complaint sub-issue: Received bad information about my loan

Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I applied for a loan with with XXXX XXXX Personal Loans. They ran a credit check and I was denied. The feedback they provided is, 'APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT. ' The denial email indicated I could call Equifax. I did. The first time the call took 14 minutes and while researching my information the representative disconnected.

The second time the call took 34 minutes. The representative was able to confirm the issue is my physical address. I moved to my current residence at the beginning of XX/XX/XXXX and immediately updated my employer, bank, investment company, and changed my drivers license, wrote a letter to my recently paid off loan institution ( car loan through XXXX ), all credit card companies ( 4 of them ) as well as all other important services. 

While on this 34 minute call I asked to speak with a supervisor. The representative was unable to connect me with her supervisor and was combative and repetitive with no interest in problem solving. While on with her I opened a chat with my bank XXXX XXXX XXXX and was able to confirm they have had my address correct but they couldn't provide a date they would have notified credit agencies. 

I am a bit at a loss. I do not feel it is my job to notify a credit agency of my legal address - this is the kind of verification they are responsible for keeping accurate records of. They offered me only fax or physical mail ( with a 3 day to multi week timeline on updating my address ). In these uncertain times that is both out of date and unsecure and well as inexcusably inexpedient. 

I will be working with a lawyer to assemble a packet of documentation which in no uncertain terms clarify my address and will be physically mailing it to Equifax. Welcome to XXXX. 

I will be collecting
Complaint sub-issue: Public record information inaccurate

Equifax is reporting Chapter XXXX Bankruptcy I NEVER filed. I repeatedly complained about it for over 6 months, but it's still there. I believe they are NOT doing any ACCURATE data verification. 

I had to go to an attorney and pay him to search PACER database to get attached report. 

I have never, ever filed any bankruptcy in my life. 

Please help me. I'm attaching my SS card so you can see my SSN on the Pacer report. 

This has negatively impacted my credit so much that I'm not able to get the credit I deserve.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We purchased several lights for our house from a furniture company on XX/XX/XXXX totaling to over {$3200.00}. After being promised we would receive merchandise within 10 days of purchase, we never received the merchandise delivery. The furniture company kept saying the merchandise was not shipped yet or stuck at customs. After waiting 1 month since purchase and never receiving merchandise and no new expected delivery date, after numerous follow ups with the vendor, our request for refund was declined by the vender. We were left with no choice but to file a dispute with our credit card company Citi.

Citi bank dragged out the claim for 5 months. We have called and followed up with Citi many many times with no resolution. Since XX/XX/XXXX, Citi has repeatedly promised over the phone that it was resolved permanently and would receive the status via email. But we have received a couple " dispute update '' emails ( the latest on XX/XX/XXXX ) stating a conflicting message. The emails stated that the investigation was still ongoing and there is still no resolution. We have spoken to several supervisors of billing department and dispute department who told us that they have no control over the dispute update which is supposed to be sent by the investigator who can not be reached by either us or Citi 's own supervisors of Billing and Dispute departments.

The bottom line is that the credit should be awarded to us PERMANENTLY ( NOT " CONDITIONAL '' ) after 5 months of back and forth and Citi 's " investigation '', since we have never received merchandise. Unfortunately, Citi has handled this simple dispute extremely unprofessionally!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block an items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Complaint sub-issue: Debt is not yours

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

CAC FINANCIAL CORP Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX Balance on XX/XX/XXXX Original balance {$120.00} {$120.00} Payment Info Original balance {$120.00} Balance {$120.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX OKLAHOMA XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I was scammed out of 4 {$500.00} XXXX gift cards.i didnt believe it was a scam because I made the phone inquiring about my XXXX XXXX account listing so I legit assumed I was talking to an agent. He was able to pull up my info just with my listing number. After I bought the gift cards I realized it was a scam so I immediately called the credit card company and they took the charges off and said I was all set. I reported it to The Federal Trade Commission, the XXXX company and XXXX XXXX XXXX where I purchased the gift cards. Two weeks go by and on XX/XX/2019 I get a call from the credit card company asking me what happen and after I explained they said they were putting the charges back on after they said I was all set. I was told I could dispute the matter so on XX/XX/XXXX I called and spoke to the agent, she heard my story and was apologetic and said we are excellent customers, have excellent credit and will work hard to remove the charges. They said they would be sending me a dispute form by mail or email. A week goes by and no dispute form, and no email. On XX/XX/2019 I began a online chat with an agent named XXXX and asked about the dispute form and she said I would be receiving my refund in 2-3 business days and still no refund. I have proof of conversation. I then decided to mail a dispute form to the credit card company with all my documents and letter, and still nothing!! On XX/XX/XXXX they mailed me a letter saying thanks for your dispute but this is false information because I didnt dispute this until XX/XX/XXXX the day after.
Complaint sub-issue: Their investigation did not fix an error on your report

have reporting several times to XXXX that an item on my report from XXXX XXXX was fraud and not my account. I want this item removed from my account
Complaint sub-issue: Information belongs to someone else

AES/XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information sinceXX/XX/XXXX2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, XXXX XXXX XXXX XXXX, and proof of identity to AES/XXXX back in XXXX 2017. After multiple calls I did n't receive an XX/XX/XXXX XXXX XXXX from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my XXXX XXXX XXXX. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from AES/XXXX  actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Complaint sub-issue: Account status incorrect

This Account was disputed and deleted by the credit bureau ( Equifax ) in XX/XX/ 2018, it was then sold to another debt collector and is being reported again illegally and Equifax has allowed this!
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXX {$43.00}
Complaint sub-issue: Debt is not yours

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, I Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX In Inquiry from XX/XX/XXXX
Complaint sub-issue: Account status

The account XXXX for XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : phone ( XXXX ) XXXX is reporting as a re aged account. The original creditor account was closed in XXXX of 2008. It 's over XXXX yes old
Complaint sub-issue: Information belongs to someone else

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$35.00} ; XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX Balance : {$47.00} ; XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$70.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : FIRST XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00}
Complaint sub-issue: Account information incorrect

I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.
Complaint sub-issue: Investigation took more than 30 days

I recently disputed some errors on my credit report with Equifax and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.
Complaint sub-issue: Account information incorrect

I am studying XXXX and i was using a service called XXXX XXXX XXXX  in XXXX illinois. But the service didnt offer what i needed and they told me to give me a full refund back in XXXX and XXXX of 2019. I made a payment with my bank card XXXX to take this course for XXXX  boards to become a XXXX. I informed XXXX that they were giving me a full refund. XXXX credit card member services did not contacted me instead reported my card as fraud at first and then i had get back in contact with them. after months of waiting on a refund from XXXX XXXX. i recieved partial refund and i did do my payment. Due to XXXX correspondence back XXXX and XXXX i was told i have no payment due. but when i got my partial refund i was reported to pay XXXX because i was suppose to get full refund but since it took so long for the case to resolve i reported XXXX XXXX  XXXX to XXXX and they are giving me a refund of XXXX dollars but XXXX have put it in my credit even tho they have had correspondence of letting me pay it when this case is resolved.
Complaint sub-issue: Information belongs to someone else

Equifax keeps denying my dispute for a few accounts when it was opened using my identity. I even provided the police report and the e-mail from XXXX XXXX XXXX! It is so frustrating. 

I am submitting a dispute for the following accounts that have been once removed and someone back on my credit report again. These were from my identity theft. 

Please remove : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts listed )
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE