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

I sent a letter on XXXX  to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquiredon XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have reached out to XXXX XXXX on several occasions asking them to supply me with thXXXX XXXX XXXX   information they are using to 'validate ' judgements they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. I have contacted the deputy clerks of each district and they have assured me that they do not supply 3rd party including credit bureaus information about court cases. XXXX XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Below is a copy of a letter I sent to XXXX XXXX This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in credit reporting, regarding the entry being reported under By not replying in a timely manner to my initial letter XXXX XXXX has not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have XXXX XXXX clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious errors in reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 (  C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.
Complaint sub-issue: Account status incorrect

I am/was the co-signer on my sons student loan. Loan originally with XXXX XXXX, approximate date of original loan XX/XX/XXXX. Loan transferred to XXXX. I am seeking any relief possible from XXXX pertaining to the ongoing lawsuits being filed by state and federal agencies. 
Commonline ID XXXX, as per copy of Signatory Loan serviced by XXXX. Previous contact with CFPB resulted in action taken by some credit reporting agencies, not all. Furthermore, around XX/XX/XXXX, I was subjected to several harassing phone calls from XXXX, one particular stated he knew we had been recently financed for a newer vehicle. Not proper info for him to have. 
Two previous complaints I filed with CFPB are both dated XXXX XX/XX/XXXX : XXXX-XXXX XXXX-XXXX  I have filed a complaint ( mailed on XXXX XX/XX/XXXX ) under the Class Action Lawsuit against XXXX, for their failure to timely remove and/or update MY status as it pertained to XXXX. 
On XXXX XX/XX/XXXX, XXXX informed me that my application for XXXX and XXXX XXXX had been approved. Effective date is date determined by VA, that effective date is XXXX XX/XX/XXXX. 
I have in my files copies of Equifax and XXXX, dated after XX/XX/XXXX, showing that they had not removed ( or expunged ) from my credit file the XXXX student loan. 
These statements are true and factual to the best of knowledge and documentation. If, I am incorrect, in explaining these circumstances, then I formally and apologetically withdraw this complaint. 
Sincerely / Respectfully XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.
Complaint sub-issue: Their investigation did not fix an error on your report

On X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

COMPANY FILED IMPROPER LAWSUIT, ORDER FOR POSSESSION WAS OBTAINED BUT NO ORDER FOR MONEY OWED. THEY HAVE THREATENED GARNISHMENT AND HAVE NOT RESPONDED TO REPEATED ATTEMPTS FOR VALIDATION OF THE DEBT. NEVER RECEIVED PROPER NOTIFICATION OF COURT SUMMONS AND THEY SEIZED PROPERTY ( INCLUDING 2 DOGS ) WITHOUT CONSENT AND REFUSED TO RELINQUISH LOCATION OF ANIMALS/PROPERTY WHEN REQUESTED.
Complaint sub-issue: Account information incorrect

To Whom It May Concern, This letter is a formal complaint that the following companies ( Equifax, XXXX, XXXX ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX BXXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXXL XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number XXXX XXXX The balance is {$0.00}, please correct FPDCPA Section 808 Unfair practices USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 808 Unfair practices USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX The balance is {$0.00}, please correct 15 US C 1692 Validation of Debts USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX double inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Reached out to the company to inform them of inaccurate information and was turned around. Never received any assistance with incorrect information reflected on the credit report.
Complaint sub-issue: Information belongs to someone else

PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.
Complaint sub-issue: Attempted to collect wrong amount

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. ERC removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. XXXX, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt
Complaint sub-issue: Account terms

Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand One credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.
Complaint sub-issue: Public record information inaccurate

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Complaint sub-issue: Information is not mine

I have tried numerous time disputing inquiries on my report from XXXX 2015 to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors.
Complaint sub-issue: Reporting company used your report improperly

This is regarding the Equifax hack. The options provided on the previous screen did not fit this problem. 

In regard to the Equifax hacking - which took well over a month to be reported by Equifax - I was under the impression ( as per TV reports ) that I should go to XXXX and enter my information there so that I could find out whether my information was compromised. I entered all the information and the final screen read that my information may have been compromised.
Now I read in other news reports that my having checked whether I 'm affected may have rendered me ineligible to join class actions lawsuits against Equifax and/or TrustedID. This is outrageous. This is evergreen data. I can not change my DOB or SSN. If Equifax compromises my information and partners with TrustedID and they make it look like I 'm only checking whether I 'm affected - all the while stripping me of my rights - then I hope the CFPB will bring suit and prevent these shenanigans. 

I have done nothing to compromise my information and I had no choice as to whether Equifax has my information in its database. This is outrageous. Please protect us consumers from this. 
These credit bureaus are not optional. Our info ends up there whether we want it there or not. If they can not guarantee our data 's safety then they should be liable when they allow it to be compromised.
Complaint sub-issue: Problem getting your free annual credit report

Attempted to obtain a free yearly credit report from Equifax six times today through their automated process. The process is made to be as difficult and confusing as possible and usually ends with their commercial, no further action, and a disconnection after about 10 minutes wasted on the telephone. I finally found a way to reach a live person by going through their ADA required feature. The first time I reached a live person I was told that their systems were updating and to call back, after spending over 10 minutes on the call. Please note that I was able to get a free credit report from XXXX  and XXXX   in less then three minutes. From this experience, I must deduce that either Equifax has some serious internal problems or worse, they are intentionally making it as difficult as possible to obtain a copy of your credit report as required by law.
Complaint sub-issue: Account status incorrect

XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, Equifax and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Complaint sub-issue: Company closed your account

This company froze my bank account, 1 of them without my knowledge. I receive VA Benefits monthly, and I believe banks are not supposed to be freezing these type of government federal funds as they are protected. I explained that to them. They told me they are not refunding anything. This is illegal. They are returning everything that comes to that account ; how about you return my VA benefits and other money.
Complaint sub-issue: Problem with customer service

XXXX has been my loan servicer for the past couple of years. I received a notice from XXXX that my loans are being transferred to Nelnet, not ideal but not terrible. 

However, the transfer to Nelnet is supposed to happen by the end of this month ( XX/XX/XXXX ) and I have NOT heard a single thing from Nelnet yet. Since I usually pay my student loans in the middle of the month, I tried to log into my regular XXXX loan portal and my outstanding loans are gone. 

So now it is near the end of XX/XX/XXXX, my loans are due in less than a week and I have no way to pay those loans. 

Help.
Complaint sub-issue: Information is missing that should be on the report

Since XXXX 2017, my Discover It Chrome Card has not been showing up on my XXXX XXXX XXXX it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly XXXX points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the Discover Card on the XXXX report ; it 's on the XXXX and XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting.

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Report improperly shared by CRC

I followed all the proper procedures stated by the above said company to FREEZE my credit report. And to stop authorizing my credit report to third party vendor without my consent. The company stated will not respond or follow through.
Complaint sub-issue: Account status incorrect

I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX  XXXX as of XX/XX/2021 ; XXXX account shows XXXX balance ; Has been reported as delinquent to all XXXX credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.
Complaint sub-issue: Their investigation did not fix an error on your report

I have no signed contract with XXXX XXXX XXXX and the bureaus refuse to remove this collection from my credit report
Complaint sub-issue: Debt is not yours

A collection agency under the name XXXX XXXX  APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) XXXX, XXXX AND EQUIFAX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST XXXX XXXX  AND ALL THE REPORTING AGENCIES