Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

My XXXX Credit report shows ERC placed a collection account on my credit file. I am requesting debt validation
Complaint sub-issue: Personal information incorrect

Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.
Complaint sub-issue: Frequent or repeated calls

Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily
Complaint sub-issue: Didn't receive terms that were advertised

I opened up a new checking account with BB & T bank based on an new account bonus of {$300.00} on XX/XX/XXXX, via the following weblink : XXXX : XXXX. I have not received the bonus despite multiple communication attempts via secure email, phone, and email with the branch manager XXXX XXXX beginning XX/XX/XXXX, and ending XX/XX/XXXX. I have fulfilled the terms of the new account bonus. Below are the terms of the bonus : BB & T is offering a bonus of {$300.00} when you open a new BB & T elite gold checking account. You need to open the account with the promo code XXXX and complete one of the following requirements : Maintain an average daily balance of {$5000.00} or more within 75 days of account opening OR Complete direct deposits of {$2000.00} or more within 75 days of account opening Offer is limited to one incentive per household Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility ( between XXXX days of account opening ) will not receive the bonus All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I completed XXXX direct deposits of {$1000.00} on XX/XX/XXXX, and XX/XX/XXXX, ( 53 days after new account opening ). It has now been 161 days since the new account opening and the bonus has not posted.
Complaint sub-issue: No notice of investigation status/result

I have never done business with the reporting collection company. I have disputed the information and requested validation of debt. The collection company would not reply to my request for validation. The credit bureau refuses to remove the account, however, their online systems still show the investigation as " pending '' after 3 months, and they never sent me a written notice of the investigation. All of the other credit bureaus have already removed this account from the records due to it containing false information.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX ( aka XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX  request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX  and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX  " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. As a result of this happening to me I have had to deal with the aftermath of it for the past 3 years. ImDespite numerous attempts to resolve this matter, Equifax has done nothing but continuously report this fraudulent medical bill on my consumer file. When I contact them they say there is nothing they can do but file another dispute. Equifax has failed to positively verify these fraudulent accounts. And have ignored every attempt Ive made to resolve this matter. Please see attached documents of 2 separate police reports & detectives contact information. Equifaxs willful negligence and repeated violations has caused me emotional stress. Ive had to take off from work to deal with this. Equifax just refuse to do their job and follow the law. XXXX  and XXXX  has removed this and blocked this fraudulent account, however Equifax continues to report it.
Complaint sub-issue: Other problem getting your report or credit score

Since the Equifax breech, I have had lots of problem with them. Last summer they had 5 mixed files with mine. By the first of the year they had the report fixed until last month when again I was not able to get a copy and creditors have claimed that they can not get a copy either. I have spent endless hours ( over 60 ) on the phone with Equifax to no avail. They keep asking for my identification and social security card. I have sent it to them by fax, upload and US Mail several times. I just sent it to them this week twice. 

They also keep charging me {$14.00} per month for a monitoring service and I can not use it because I can not access my report. I have been issued 11 reference numbers this year alone for fixing the report and it is still not fixed or accessible to verify this. 

REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Enclosed is supporting information, id, letters, social card, etc. 

Also when getting my 3-in one report from other providers, either the Equifax report is blank or won't work. 

I also can not dispute anything online because I can not get the report nor can I update anything like locking or unlocking the report again because I can not access the report online.
Complaint sub-issue: Account status incorrect

Motoleasee has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than 7 payments late. The Motoleasee account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted Motoleasee as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my XXXX report only if I start making payments. Motoleasee has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.
Complaint sub-issue: Information belongs to someone else

Company : XXXX XXXX XXXXXXXX. 
Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
Complaint sub-issue: Seized or attempted to seize your property

I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 notice.
Complaint sub-issue: Personal information incorrect

On XXXX I requested my updated address be the only address on file because I don't want my personal information being sent to addresses I do not live in and showed numerous items of identification my address and it went ignored so I refiled again on XXXX after equifax said they couldn't change it and showed more documentation and still nothing changed. I don't want personal mail or information being sent to homes that i don't live in.. identify theft is a serious issue.
Complaint sub-issue: Old information reappears or never goes away

For the last 4 months i have been disputing a collection on my consumer report XXXX XXXX  they repeatedly say it is under investigation an investigation only take 30 days or they must remove the debt by law. I have sent them multiple letters showing proof that the collector said they removed the debt. They will remove and put the collection back on my report days later. I do not owe them the debt. pursuant to 15 usc 1681i ( a ) ( 5 ) ( B ) any information deleted from a consumer report may not be reinserted back on to the report and in a previous CFPB report case number XXXX they said they deleted the collections i have call and ask them to remove the collection from my report and they refuse to remove the account this makes them civilly liable after i have already show the proof that i do not owe the debt and they said they deleted it. I will not wait 30 more days for a false investigation that i have already showed that the debt was not mines and that they already broke multiple violations remove the account immediately. this derogatory is harming me from using my credit it not suppose to be on my consumer report. It is not accurate or fair to me pursuant to 15 usc 1681 ( b ) this inaccurate information is making think about litigation for the stress they have caused me. This is not an error
Complaint sub-issue: Fraudulent loan

I never Attend any college in Florida and I never finished high school
Complaint sub-issue: Didn't receive enough information to verify debt

I am a federally protected consumer and I requested validation of alleged debt with Fed Loan Servicing. The letter was received on XX/XX/2020 and I have not received a response. Fed Loan Servicing is in violation of XXXX.
Complaint sub-issue: Problem getting your free annual credit report

I have been unable to obtain my credit report from XXXX SageStream, a new credit reporting agency owned by XXXX. Their website does not offer an option on their website to download my credit report. I believe they are required to have this capability under the FCRA.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX and Attorney Hunt & Henriques ( collection agency ) is trying to collect a credit card debt XXXX even though the statutes of limitations has ran out. The Judgement was issued in XXXX by XXXX XXXX XXXX Court  , XXXX of XXXX XXXX but I was never served or receive notice from the court until the Judgement Levy was received at my employment XXXXThe Judgement Levy garnishment amount XXXX demanded in full to be sent to the Sherriff. I contacted Hunt & Henriques and explained that I had no knowledge of the debt, judgement and they did not want to vacate the Judgement. I filed a motion to vacate judgement pro per and to set aside default it was declined on XX/XX/XXXX in the XXXX XXXX XXXX Court claiming i was served by a process server but no actual paper work was presented or needed to prove I was served in XXXX According to the Judge .I attempted to explain that XXXX XXXX XXXX has been using the tactics of going after consumers for collection of bad debt even though the statutes of limitations had run out and also using robo-signing affidavits the Judge declined to hear it. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX NA Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$430.00} XXXX Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

I am name is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX Balance {$0.00} Bankruptcy : XXXX XXXX Reference number : XXXX Amount : -
Complaint sub-issue: Reporting company used your report improperly

The XXXX at Equifax let people take my private info. I do n't know how any company that deals with information in today 's modern age can be so incompetent but they apparently want to be the next enron so I 'll be seeing them in the class action lawsuit!
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. Section XXXX1 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. I was also impacted by XXXX data breach and may have got into the wrong hands.
Complaint sub-issue: Debt was result of identity theft

I learned that a XXXX credit card had been opened in my name as a result of doing a loan application. I filled out and completed the fraud process and they notified me that whomever opened the account had made payments towards the balance and because this was irregular activity they were denying my claim. I submitted police reports and documents supporting that the account was not mine, and in fact opened in conjunction with other accounts via usesge of an ID I had lost, that I submitted even more documention from the XXXX, and they still denied the claim due to irregularities
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a 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 710. XXXX has me at a score around 592. 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 XXXXXXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax XXXX : XXXX XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX/2022XXXX XXXX, 2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XX/XX/2022
Complaint sub-issue: Was not notified of investigation status or results

I am reaching out to the CFPB regarding the illegal practices XXXX, XXXX XXXX Equifax are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which XXXX failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XX/XX/2022 XXXX received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of 15 years. They must be held accountable. The same situation happened with XXXX XXXX Equifax in which they did not conduct a 30 day investigation. XXXX has failed to open a dispute and Equifax opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus Equifax, XXXX, & XXXX must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).