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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} Equifax : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Complaint sub-issue: Information belongs to someone else

Lending Club # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX 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 15 U, S, C 1666B : 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: Other problem

I have no change to my credit report, no identity theft complaint, i've made my payments and have no derogatory report with Citibank or any credit cards. Citibank is forcing me to make minimum payment only by punishing me for paying off a larger amount on my card. I made a substantial pament and withing 10 hours they reduced my credit limit therefore hurting my attempts to grow my credit score and to make sure I don't do it again and have to continue making minimum payments. I was punished for doing a good thing. They say it was a " coincidence '' that they ran a report a few hours after paying down my card which is a lie. They now have me fearful of making any more payments larger than the minimum due out of fear I will be punished again by reducing my credit limit.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/2019 2019
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Complaint sub-issue: Information belongs to someone else

Multiple times since last year I have been dealing with the three major credit bureaus that deal with reporting credit reports and scores. Since then, I have been filing a dispute due to multiple fraudulent activities were taken against me because I was a victim of identity theft, and my personal information was compromised. During that time, identity thief ( s ) used my information to obtain benefits and services from the listed creditors in this attachment that have been impacting my credit score negatively. The credit bureaus have not been doing anything regarding this issue and only stalling my request. I sent official documents from the Federal Trade Commission and everything they requested. Yet, the credit bureaus kept stalling and denying the fact that they have my documents. The incompetency of their work is affecting my and every other consumer 's financial credibility which they are ought to protect and report accurate information at all times. The listed accounts do NOT belong to me and it is the work of an identity thief.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XXXX credit report Equifax credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Complaint sub-issue: Reporting company used your report improperly

There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies XXXX, Equifax, and XXXX, regarding the following accounts, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.
Complaint sub-issue: Their investigation did not fix an error on your report

After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account from my credit report.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2022 an email was sent to Equifax XXXX XXXX XXXX XXXX regarding a breach in my account, i.e. an unauthorized party changed my residential address on file. The following Monday, XX/XX/2022 I reached back out by telephone to XXXX 's Equifax Corporate office and spoke with a XXXX XXXX in the Consumer Affairs department. XXXX XXXX worked very diligently to verify my identity but to no avail, we could not complete the process but through no fault on XXXX XXXX 's behalf. I was unable to get a clear image of my ID and answered incorrectly to the date to when I applied a Freeze on my account with Equifax as I had done with the other 2 credit bureaus '. I realized this after the fact. I simply let XXXX XXXX know how grateful I was and that I would get my act together and phone back the next day on the XXXX of XX/XX/2022. Unfortunately, through no fault of my own, I was not able to phone the Consumer Affairs department on Tuesday prior to their close of business day. Thus, the following day, on the XXXX of XX/XX/2022, I phoned with my neighbor by my side to aid in photographing my ID since I was not able to complete the process the first time with XXXX XXXX. However, the agent that I spoke to this time simply stated it was against company policy to send me a copy of my credit report with the incorrect and unauthorized address on it. I asked the agent if this was something she was reading from in the notes in my file because that was in contradiction to what I was trying to accomplish with XXXX XXXX on Monday the XXXX of XX/XX/2022. I told the agent that I understand that she does not know the history on the account and thanked her before saying goodbye. 

I have not moved thus, I did not change my address. I need to file a police report for someone attempting to steal my idenity and I can not do so without a copy of my account information with the psuedo-address on it. I do not hold Equifax responsible. 

Please assist me in this matter Kindest regard, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$5900.00}, {$8400.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.
Complaint sub-issue: Don't agree with fees charged

A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.
Complaint sub-issue: Was not notified of investigation status or results

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax via mail on XX/XX/2020 and online on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up via email on XX/XX/2020 stating my dispute was complete. However, I was unable to view the results online as the system is not working. I tried to reach Equifax via phone today XX/XX/2020, I held for 4hrs before the line was disconnected. I finally received the dispute results via mail later on in the day. Equifax deemed the inquires factual, I received no supporting documents. I have never applied for anything with these companies, these are fraudulent inquires.
Complaint sub-issue: Seized or attempted to seize your property

Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.
Complaint sub-issue: Account status

I have had a credit score of XXXX for an extended period of time and have always paid any and all my bills on time. I was told several months ago by one of the credit reporting bureaus that my credit score could never be XXXX due to the fact I do not have XXXX ( lines of credit ) credit cards! I use an XXXX product ( XXXX ) on my PC and I receive my credit score every 3 months. I found the last score was XXXX and ran an Equifax Report which showed no inquiries were made over the past two years. I have no negative accounts, collections or public record information showing on the Equifax report. I have worked 40 plus years to get my credit to the highest point possible and find now my credit score is dropping! How can this be remedied?
Complaint sub-issue: Information belongs to someone else

I have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2019 CoreLogic Credco, XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX
Complaint sub-issue: Didn't receive services that were advertised

I saw that around XXXX. I seen many pre approvals on credit karma at first I didnt pay it no mind but credit karma kept sending me pre approvals. Telling me I was pre approve for credit cards, and personal loans and that I could refinance my car. Every day I would see these offers and everytime I log in to check my credit scores. So basically after a few months of being told I was pre approval I totally thought I was in the perfect place to apply .I got so many offers from credit karma I started to tell my whole family about investments and vacations we were going to use these pre approvals for .So I finally applied around sometime 2020 and I got denied for two credit cards and a personal loan. I was distraught and very angry and felt very deceived. For months credit karma told me I was pre approved which was very much a lie .I was severely stressed out for weeks .I had migraines so bad I became anti social. My XXXX went from zero to one hundred. Now every time I see pre approvals I immediately close my phone and shut my computer off. This definitely has made me so uneasy I havent checked my credit as frequently as I should.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.