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

I first received the collection from ERC on XX/XX/2018. I responded immediately with a certified validation letter that they received on XX/XX/2018. On XX/XX/2018, they sent another letter acknowledging receipt of my letter. They only provided a bill for validation. On XX/XX/2018, I sent them a response letter informing them that they did not correctly validate the debt. They received the certified letter from me on XX/XX/2018, but I never heard back from them after the second letter I mailed them. Next thing I know they reported to at least two of the credit bureaus on XX/XX/2018 stating that I owe this debt that they never validated.
Complaint sub-issue: Problem with customer service

My fiance called in on XX/XX/14 to obtain information as to what we needed to do to get my income driven payment plan in writing for the bank that is handling our mortage. When she called and spoke with XXXX it was a very long extended wait period to speak with someone as she reached a new person. When XXXX got on the line we refused to give her information on how I can get the request expediated. He wouldn't even tell her the procedure or what I needed to do to obtain the information. He didn't need account specifics to tell her that information. I need to know how to get the document of what my payment will be monthly so I can send it over to the bank. I submitted this request several days ago and can't wait 3 weeks for it per the email that Greak Lakes sent me. Thank you. The documents that were requested from Great Lakes has been submitted.
Complaint sub-issue: Their investigation did not fix an error on your report

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

XXXX XXXX XXXX XXXX XXXX  Showing XXXX Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and XXXX15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The XXXX XXXX XXXXs dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX XXXX and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the XXXX XXXX 

( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Complaint sub-issue: Reporting company used your report improperly

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Complaint sub-issue: Account status incorrect

My complaint Is against Equifax. I've noticed over the past 12 months that Equifax has been reporting on time payments to accounts in good standing, 30-60 days late. For example, a payment I made to an installment account on XX/XX/2020 has still not been reported to my account as of XX/XX/2020. It typically takes 45-60 days for them to update payments to my report.This greatly effects my credit score and ability to qualify for new credit. 

In addition, Equifax reports negative information to my report exactly on time. For example, A collection account I have was reported on XX/XX/2020. Throughout the past 12-months, Negative information has posted on the XXXX of every month. 

My complaint is that Equifax reports negative information on time and positive information late. Also, Their online account dispute is never available even though I am paying a monthly fee to have access to online disputes. 

Equifax claims that they report all information when they receive it from the creditor, However my creditors have given me detailed information that they are reporting payments to Equifax on time at the end/beginning of every month.
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Complaint sub-issue: Account status incorrect

The account shows open with an alleged payment history as if it's a revolving debt the last activity date & last payment date is always reporting for the current month as if I was in a payment arrangement with the collection agency. 

Date of last report : XX/XX/2019 Amont : XXXX Account was disputed with all 3 credit bureaus with no results. Only changed dates to showing the current year & month account was updated to show as opened.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights in the amount of {$970.00}. 

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act. 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost
Complaint sub-issue: Problem with rewards from credit card

My Citibank Executive XXXX XXXX card has a benefit that reimburses up to {$100.00} for TSA Pre-Check enrollment and renewals. I received my renewal for XX/XX/XXXX from the TSA in XX/XX/XXXX. I charged the fee to my Citibank card and Citibank has not processed the reimbursement. They advised that I could not renew until XXXX XXXX XXXX XXXX XXXX from my last benefit received. That would have required me to wait to renew and be in danger of an expiration. The window to reimburse is unfair and deceptive as it should be known that the TSA solicits renewals at 6-7 months prior to expiration. Also this XXXX XXXX XXXX XXXX XXXX requirement is not published on the Citibank website displayed to consumers considering and applying for the credit card.
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/2018 I received a notice from XXXX that XXXX XXXX XXXX had flagged my account as Collections. The information provided stated this was an Attorney/Collection Dept. provided an address & an amount of {$230.00}. I have never been contacted by this company, never have they tried to collect a debt from me. I have no idea who they are or why they think I owe them money. Not only do I not recall this company, but I have not incurred any debt with anyone for the amount they are reporting to the credit bureaus. 
I have contacted this company using the information provided to me by XXXX and XXXX, months went back, and I never received any validation, or anything for that matter. I then filed a dispute with all three credit bureaus, it has since been removed from XXXX & XXXX. XXXX claims they validated the debt, but I can not get anything. 
This company has violated my rights under the FDCPA, not only was I never notified of their attempt to collect this debt, I also didnt get the opportunity to dispute it before it was reported to my credit report. I have been battling this for several months now, seeking validation, and none has ever ome. According to Section 809Validation of Debts of the FDCPA, Debt Collectors must stop collecting/reporting until validation has occurred.
Complaint sub-issue: Account status incorrect

Equifax continues to report a medical bill of {$100.00} on credit report that has been paid.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/XXXX to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX  XXXX XXXX Ref ending # XXXX. I contacted XX/XX/XXXX to report identity theft. I received another letter dated XX/XX/XXXX to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/XXXX to report identity theft. XX/XX/XXXX Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/XXXX pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/XXXX Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Complaint sub-issue: Card was charged for something you did not purchase with the card

This is regarding XXXX visa card by Citi Bank. Citi bank says they mailed us the card which we never received. We do not even know the full credit cards number. The only number show on the statement shows account number ending in:XXXX Statement dated XX/XX/XXXX to XX/XX/XXXX. Another statement dated XX/XX/XXXX to XX/XX/XXXX states account number ending in:XXXX. To our understanding these relates to the same account. We learned about this card when we got the first statement in XX/XX/XXXX.  Since then we have gone to XXXX, Citi Bank local branches and have called many times to Citi Bank. They have repeatedly told us that we are not responsible for any of the charges as it is fraud. We also have a letter dated XX/XX/XXXX from Citi stating that they have received our complaint and they are working on it. 
We did not hear from Citi and thought that they have resolved the issue and we are OK. However, recently we got a call from XXXX ( Extension XXXX ) saying that they are trying to collect due payment from us. We also got the letter from Citi that they have sold the account ( ending in XXXX ) to XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX ). We also got a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, River Edge, NJ XXXX, XXXX ) trying to collect debt from us of which we are not responsible! We also have informed XXXX XXXX ( XXXX, ext. XXXX ) that we are going to report this issue to Consumer Financial Protection Bureau. We have done all we can on our part. We have never used the Citi Bank Visa Card in dispute, we never received it. We have nothing to do with this account. This all happened when XXXX XXXX XXXX was converted to Citi Visa. We currently have XXXX XXXX XXXX ( account ending : XXXX ) which we use and pay. We have told this to XXXX XXXX  on day one when we files our complaint. Citi knows it ans we are in good standing.
Complaint sub-issue: Information belongs to someone else

I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.
Complaint sub-issue: Debt was result of identity theft

Hello, These fraudulent accounts are reporting on credit report. Its been 1-2 months that that I sent in letters. The only results Ive gotten was it was verified. I want to know who verified it? By law in 30 days no results the accounts are suppose to be remove.
Complaint sub-issue: Account status incorrect

XXXX are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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: Credit inquiries on your report that you don't recognize

I am a victim of identity theft someone has inwuired to XXXX nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud
Complaint sub-issue: Was not notified of investigation status or results

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter to Equifax, XXXX  and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.
Complaint sub-issue: Information is not mine

I spoke with a representative from United States Senator XXXX office regarding credit errors on my credit report. I was informed by Senator XXXX 's representative that they spoke to Equifax representatives and they would review my credit report immediately and remove the unauthorized and fraudulent accounts listed on my Equifax credit report because the accounts do not belong to me. Review the letter from Senator XXXX 's office attached to this complaint.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX
Complaint sub-issue: Account status incorrect

Conns Account # XXXX XXXXCalled to pay full account balance of {$320.00}, was offered a settlement of {$250.00} ( which I paid ). 
XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 Im 30 days delinquent in the amount of {$64.00}. 
-I file a dispute with XXXX  the very same day stating information reported was incorrect. 
XXXX-I contact Conns about account. Customer service & collections depts. state account settled, and recommend to file a dispute with Conns credit bureau/recovery department XX/XX/20 letter received from Conns stating their investigation determined the reporting was valid & would provide a copy of the complete payment history to validate ( was not included in letter ) XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 my account is 60 days delinquent in the amount of {$65.00}. 
-I file a dispute with XXXX  stating reporting is incorrect. 
-I contact Conns Collections dept. states account is settled for an amount less than the full balance, states that is also what they are reporting to the credit bureaus and files another complaint with the Conns internal credit bureau/recovery dept. 
-I also speak with Conns customer service who stated the settlement was not reflective on their end & there was an amount of {$90.00} due or a payoff amount of {$86.00} ( {$65.00} balance {$25.00} late fee ( $ XXXX, XXXX, $ XXXX= {$25.00} ).  She stated she was not sure why the account was reflecting that way & recommended filing a complaint ( which I did )
Complaint sub-issue: Problem making or receiving payments

I am trying to link my personal checking account to XXXX  to invest and you are not letting me..please let me let my account link to XXXX  XXXX  XXXX invest with them
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.