Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I submitted a fraud dispute with the FTC report attached for fraud to Equifax. They told me with a valid FTC report it would take 4 days to remove. They were not removed. Equifax opened p another dispute on XX/XX/XXXX. They once again said it would take 4 days. Those fraudulent items still were not removed in a timely manner. On XX/XX/2021 the dispute was completed and I received a confirmation and letter confirming that those items were removed from my report. They have not been. It has been almost been 75 days and those items still remain on my Equifax Credit Report after I received notification that they were removed.
Complaint sub-issue: Account status incorrect

I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have Happy Money report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a Happy Money customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company onXX/XX/XXXXfor resolution.
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..
Complaint sub-issue: Account information incorrect

I'VE COME TO REALIZE THAT EQUIFAX IS REPORTING THE INCORRECT SOCIAL SECURITY NUMBER ON MY CONSUMER REPORT!!!!!!! I OBTAINED A FULL CONSUMER REPOR FROM ANNUALCREDITREPORT.COM AND DID NOT RECOGNIZED ANY ADDRESS! THE LAST 4 OF THE SOCIAL THAT IT SHOWS IS XXXX! I SENT MY PROOF OF IDENTITY TO EQUIFAX AND THEY REFUSED TO DELETE EVERYTHING AS I DEMANDED. EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER! PER 15 USC 1681 ( A ) 3- CONSUMER REPORTING AGENCIES ASSUMED A ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMER. PER 15 USC 1681 ( A ) 4- THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMER 'S PRIVACY!! EQUIFAX IS VERY MUCH SO INVADING MY PRIVACY ESPECIALLY BECAUSE I DID NOT EVER PROVIDE EQUIFAX WRITTEN INSTRUCTIONS TO FURNISH ANYTHING ON MY REPORT ON MY BEHALF! THAT IS PER 15USC1681B ( A ) 2!!!!!!!!!!!!!!!!
Complaint sub-issue: Account information incorrect

The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I have sent several disputes to all 3 credit bureaus regarding the Following Accounts, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} and they are not following any CFPB rules or any federal laws regarding my demands. I also stated in a previous dispute that In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts above 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Complaint sub-issue: Account information incorrect

after seeing my report on XXXX it showed that I had a missed payment 1 month ago their office is closed. However I call equifax to start a dispute I verified all my information and at first I were told I gave them the wrong social security number I hung up then called right back and they next rep told me I did give sufficient account  information. now I'm confused because last month I called and the same thing has happened I have been calling equifax every month since XX/XX/2018 I looked and seen alot of this were wrong on my report I called and everytime I'm told by the rep that they can't identify my account however I get asked over 10 - 15 questions about y account and can't get any thing resolved I'm always being told to fax in my request then my dispute will get process this is getting very tiring because my XXXX  friend called and only get asked 4 questions and get asked how can they help her i'm a XXXX XXXX and I have to be asked 15 different questions only to be told that I haven't given the right information this is very frustrating why is it other race don't have to go through the hassle as another race this is ludicrous. Now I have to wait until Monday before I can fax to get my credit report and to see which account is reporting delinquent then file an dispute.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. XXXX  acct # 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: Debt is not yours

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you
Complaint sub-issue: Contacted me after I asked not to

I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.
Complaint sub-issue: Debt was result of identity theft

I attempted to contact the company in XXXX with no resolution. I sent identity theft reports to all XXXX credit bureaus. Police report remains on file with the XXXX XXXX XXXX XXXX. 
I have attempted to over & over to resolve this account which does not belong to me! I am the victim of identity theft & this account with ACIMA CREDIT need to be removed from my credit file immediately.
Complaint sub-issue: Can't temporarily delay making payments

XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Complaints : XXXX. XXXX XXXX XXXX, IA XXXX Dear Madam/Sir : Sallie Mae misleadingly and fraudulently advertises that it allows forbearance and/or deference in several instances but does not. This is not the first time I was promised that I would receive a deferment or forbearance only to find that it was not processed, thereby leaving me in a lurch and forcing me to make a payment I should not have needed to make. 

I was notified that Sallie Mae gave me two months of deferment but the deferment was not applied in time so I had to make a payment in order to ensure the positive reporting of my account.

Not only this but I was still relying on the two months of deferment that it promised me but just received a notice that I am two months behind on my account and that it will be reported on my my credit report as a negative account. 

By furnishing false and misleading formation to the Credit Reporting Agencies, Sallie Mae is in violation of the Fair Credit Reporting Act, Federal Debt Collections Practices Act, predatory lending laws, multiple additional consumer protection laws, and multiple CFPB consent orders. Sallie Mae has been the subject of numerous complaints and enforcement actions by the government.

I request that Sallie Mae process my loan requests as it should already have and suppress any negative reporting until this issue is resolved.
Complaint sub-issue: Information belongs to someone else

I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.
Complaint sub-issue: Problem with product or service terms changing

I was listed as one of the potentially impacted people on the Equifax credit breach.
Complaint sub-issue: Problem getting my free annual report

It is impossible to contact Equifax , After many hours, many phone numbers, I can not speak to a person. I have had this problem for years and something has to be done. They have sent my report to the wrong apt XXXX number, I never receive it, I do n't know who has it. There is nothing I can do about because there is no one to speak to. I called again today XXXX/XXXX/15 gave them all the information for my report, but they did not ask for my apt number, so now my report will go " i do not know where '' Something has to be done about this company, it should be mandatory that a number is available to people to call.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

For a hospital bill of XXXX dollars from almost 6 years ago. I got ta 9 phone calls this week alone. I've talk to them 5 times and told them to stop the calls and stop harassing me at work. They lie their rude.
Complaint sub-issue: Account information incorrect

Nelnet updating a closed account. Nelnet
just changed the balance on an account that has been closed since XX/XX/2003. 

This account has past the statue of limitation and needs to be deleted. 
How can I be 120 days late when the account never had a 30 day late. 
How can the account have a XXXX   balance and a High balance of XXXX This is a clear violation of my rights. Please see attachment.
Complaint sub-issue: Investigation took more than 30 days

I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report. I have attached proof they sent me a letter this should be deleted but they did not remove them & each time I call it's a different excuse.
Complaint sub-issue: Debt is not mine

Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 

The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In response to Drivetime, Drivetime is listed as inquiry not a hard inquiry on my credit report! Hard inquiry means I would have given them permisson but since this matter is not a hard hard inquiry but a soft inquiry that still means Drivetime still unlawfully obtaining my credit report without my permisson! I have never applied for any financing or inquires for drivetime because I never had need for a car! I never went to drivetime website to fill out any application with Drivetime. And I will not be sending my personal information to Drivetime or any company that I have never had any contracts with! this is fraudulent. Drivetime stating I gave authorized which I did not and they have no proof that I did which I did not give them consent! Drivetime did not do investigating. I have never filed out any information with them or click any boxes to have my information on my consumer report pulled. DRIVERIME this is in violation of FCRA and lying stating that gave permisson which I do not. Drivetime purposely pulled my credit with out my consent. Please be aware I will filed a commercial Lien on your company if you do not comply to my demand
Complaint sub-issue: Can't decrease my monthly payments

My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. 
I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... 
I knew where this will have ended ... I XXXX  almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...
Complaint sub-issue: Information belongs to someone else

Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my credit!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and XXXX   concerning the derogatory rating I received from Greensky Financial Bank ( Greensky ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of The Home Depot USA Inc. DBA Home Depot Interiors , case number XXXX, because The Home Depot failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through Greensky. In XX/XX/XXXX, I notified Greensky that I would no longer make payments on the loan until the work was completed as agreed and provided them with a Home Depot Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to Greensky. While in dispute, Greensky charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to Greensky, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and XXXX. Greensky has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from The Home Depot Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.
Complaint sub-issue: Account terms

I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.
Complaint sub-issue: Account status incorrect

XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.