Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was notified via mail regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Equifax able to prove the accuracy of the alleged debt? and what are you updating Equifax? 

If Equifax can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Equifax is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
Complaint sub-issue: Problem with personal statement of dispute

It's been many years trying to get credit limit with citi bank and always denied because they said the credit reports shows up high ratio on my credit cards which is not true. Spoke to XXXX the supervisor ID XXXX and asks to speak to his manager and he denied also ask for his manager name and he denied. I never missed any payment thru citi bank. I have my mortgage paid on time, my cars paid on time an excellent pay history and I just approve for an XXXX XXXX card and I still have the same limit with citi bank and always is the same issue if I try to get a credit limit.
Complaint sub-issue: Information is not mine

I AM AN VICTIM OF IDENTITY THEFT. AS A RESULT, SEVERAL ATTEMPTS OF OPENING ACCOUNTS ON MY CREDIT FILE WERE INITIATED. PLEASE REMOVE THE FRAUDULENT INQUIRES.
Complaint sub-issue: Right to dispute notice not received

I had made a verbal phone settlement of the debt for XXXX of the original amount of XXXX and requested the company to give me the settlement agreement on this, and they refuse to give me something in writing stating we agreed on the 3 payments of XXXX + XXXX processing fee per transaction and once i make those payments the remaining balance will be forgiven and I would have settled for 50 % of the payment. The company refuses to give me something in writing and states that their company doesnt provide anything in writing untill the amount is paid off and is refusing to give me proof that once i pay the settlement amount the loan will be closed. They has made rude comments on the phone, and have been very degrading when i asked for documentation for an agreement of settlement, i told them i understand it is not paid in full but i need to know what amount im paying back and if they will uphold their end. 
Please help, I feel bullied with this company.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is refusing to removed a fraudulent account even after I have provided them with an identity theft report dated back to the year of 2016 when said account was first opened and when I first acknowledged that the account was appearing on my credit report. I have also attached a copy of the FCRA Section 605B that states ( a ) Block. Except as otherwise provided in this section l, a consumer reporting agency shall block the reporting information in the file of a consumer that the CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer THEY ARE VIOLATION AND HAS STRIPED ME OF MY RIGHTS AND SHOULD BE FINED! I have been working with my attorney to sue for {$160.00} for being in violation of this section of the FCRA and keep INACCURATE information on my credit report that they in NO WAY SHAPE OR FORM VERIFIED IS MINE. NO VIDEO TAPE NO SIGNATURE OF DOCUMENTS SIGNED BY SAID RELATIVE of mines
Complaint sub-issue: Debt was paid

I am beyond frustration! I made a payment on XX/XX/XXXX which they didn't post until XX/XX/XXXX .. I made 2 payments on XX/XX/XXXX one for {$1000.00} and one for {$1000.00} .... they failed to post one until XX/XX/XXXX and the other wasn't posted until XX/XX/XXXX and for the incorrect amount ( they posted it for {$1000.00} instead of {$1000.00} ) I  have been on the phone with them every other day or so ... promised call backs that never happen ... have yet to receive any written acknowledgement of their errors .. despite numerous letters, calls and emails! This company needs to be shut down!
Complaint sub-issue: Banking errors

On XX/XX/22 {$460.00} was taken out my account, the wrong claim was made many times by PNC employees now no one I talk to will help me recover my money they keep hanging up in my face and all I want is my provisional credit, a representative by the name of XXXX promised an expedited process for the credit and still nothing.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX CBNA, and XXXX/XXXX.. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on Equifax credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and Equifax that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

Equifax : XXXX XXXX Cash card is still showing on Equifax as charged off but no update on to the payment status being paid in full and after speaking to the Equifax 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on Equifax as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Complaint sub-issue: Account status incorrect

I called the XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022 I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this NELNET LNS Late payments late will be updated as soon as possible. 

NELNET LNS XXXX Balance {$3400.00} NELNET LNS XXXX Balance {$5000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

". Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the Equifax data breach does not make things any better. My information could be in the hands of lord knows who.
Complaint sub-issue: Information belongs to someone else

I have filed 3 disputes with Equifax concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX account with XXXX XXXX XXXX XXXX. I never knew about said XXXX account, never used said XXXX account, nor do I have any financial obligation or agreement with XXXX XXXX XXXX XXXX re : said XXXX account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX XXXX XXXX XXXX XXXX account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to Equifax from XXXX XXXX XXXX XXXX that clearly states that I was listed as an " Authorized User '' of said XXXX account and therefore I am not responsible. I asked Equifax to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. Equifax needs to remove the XXXX XXXX XXXX XXXX XXXX account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.
Complaint sub-issue: Debt was paid

On XX/XX/2021, I received communication from a debt collection agency requesting payment from an unpaid debt to XXXX 's XXXX XXXX XXXX XXXX in the amount of XXXX ( XXXX + service charges XXXX XXXX. The amount is to be sent to TRS Recovery Services XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX. 
Reference # XXXX There is a GA XXXX XXXX XXXX, XXXX, GA XXXX, and inquiries telephone numbers, XXXX, XXXX listed as well. 
I do not owe this debt. My last payment of XXXX was made to the credit card that XXXX 's promotes in XX/XX/2021. XXXX 's has no record of this debt and the credit card company shows a zero balance. 
As you will note that my address is not correct in the letter and this club does not allow products to leave the store without payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed 2 XXXX XXXX XXXX  accounts with XXXX XXXX XXXX  and credit bureaus and received the attached response from XXXX XXXX  XXXX confirming that both accounts will be deleted from credit bureas. Although XXXX and XXXX  are no longer showing the disputed accounts, as of XX/XX/2020 Equifax is still reporting account XXXX ( see attached ). 
Please delete this false account asap.
Complaint sub-issue: Information belongs to someone else

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX cardbXXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX and XXXX inquiries. Please Im sorry but Im stressed.
Complaint sub-issue: Account information incorrect

I have a Discover Credit Card.

I have been reported by Discover for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 
I was reported to have missed two payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

Discover reported my account as having missed XXXX billing cycles. One for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop. 

I have spoken about this to them as well.
Complaint sub-issue: Need information about my balance/terms

XX/XX/2017 I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Great Lakes Higher Education and XXXX. I had federal student loans that were being collected by Great Lakes Higher Education ; I could not afford to pay them at the time because I became homeless. I defaulted on my loans. In XXXX of XXXX, I spoke with XXXX and agreed to a XXXX month rehab program with XXXX for my defaulted federal student loans. XXXX. is located at PXXXX, XXXX, CA, XXXX. XXXX telephone number is XXXX. Great Lakes Higher Education is located at XXXX, XXXX, WI XXXX. Great Lakes Higher Education phone number is XXXX after making my ninth payment XX/XX/<YYYY> XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within XXXX hours. XXXX hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have been in a position to rehabilitate my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want XXXX to honor the contract to which we agreed. Also, I called Great Lakes Higher Education and the customer service representative XXXX ( who refuses to give me her last name ) keeps telling me they need to find a new lender to service my loan. My loan remains in Collections with XXXX and I will end up paying more collection fees. This is pure evil and I 'm pretty sure Great Lakes Higher Education and XXXX are doing this to many Americans and it needs to stop. They should be held responsible for their dirty business tactics. 
Sincerely, XXXX
Complaint sub-issue: Account status

EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This complaint is about charges made to Discover credit card no. ending in XXXX. InXX/XX/XXXX my wife and I changed banks from which our credit card bills were debited- from XXXX  XXXX XXXX to XXXX XXXX . Discover was notified on their website of this change and also a change to Discover credit card no. ending in XXXX. Discover made the change on XXXX but tried to debit {$3000.00} from XXXX  XXXX XXXX for XXXX from which we had reduced funds that would have covered that amount. We added funds back to XXXX to cover the amount. Discover then debited {$3000.00} from both bank accounts for the same month. Discover subsequently credited one of the charges. But, on XXXX Discover made a charge on XXXX for " ACH Funds Transfer Reversal '' of {$3000.00}. After examining the bill for XX/XX/XXXX to XX/XX/XXXX and finding this charge, I called Discover on XX/XX/XXXX. The Discover associate acknowledged that an error had been made and we would have that amount credited back to our XXXX XX/XX/XXXX account. No credit occurred. On XXXX XXXX I called Discover again to ask about the credit and was told it would be credited. No credit occurred again. On XX/XX/XXXX, I called Discover again and was told that the above amount had been sent to our account at XXXX on XXXX XXXX. Contact with the bank showed no deposits had been made for that amount to any of their checking accounts. Discover so far has refused to credit the {$3000.00} that we are owed. We need help in resolving this matter.
Complaint sub-issue: Didn't receive notice of right to dispute

Avante USA at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX sent me a letter dated XX/XX/19 stating that a debt of {$950.00} was sold to a company named XXXX XXXX XXXX. Avante stated in their letter that I needed to respond to them within 30 days or the debt would be considered valid. I sent Avante a request for validation letter on XX/XX/19. They never responded. XXXX XXXX never sent me a letter or made contact by phone in order to collect on this debt either. Instead the same account ended up in the hands of a company named XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX. Avante USA changed the amount of the debt from XXXX to XXXX and continued trying to collect on the debt through the credit reporting agencies. In addition XXXX XXXX XXXX, who never made any contact with me, is also reporting the same debt of XXXX with the credit reporting agencies as well. They immediately contacted the credit reporting agencies and had the debt put on my credit reports without giving me the opportunity to request validation of the debt.
Complaint sub-issue: Account information incorrect

i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.