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

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Complaint sub-issue: Public record information inaccurate

I have sent in numerous disputes to Equifax regarding the inaccurate reporting of a bankruptcy on my file. There was no bankruptcy filed on XX/XX/XXXX. I mailed my most recent dispute around XX/XX/XXXX, and received an email confirmation from Equifax on XX/XX/XXXX that the investigation was underway. Yesterday I received my Equifax report dated XX/XX/XXXX ( confirmation # XXXX ),  stating that the bankruptcy was verified, with a verification date of XX/XX/XXXX.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. Obviously, if the verification date is XX/XX/XXXX, no re-investigation was done, which is a violation of the FCRA. 

I have also obtained a copy of my XXXX report from XX/XX/XXXX and there are no public records listed on the report ( see page 9 of  XXXX report attached ). So, how could XXXX verify a bankruptcy, and yet not be reporting it on the Public Record Disclosure file I received from them? 

Based on the above information, I am hereby demanding deletion of the above accounts from my Equifax file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ).
Complaint sub-issue: Account information incorrect

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Deposits and withdrawals

Suspicious withdrawals were made from my checking account in XXXX. 
I have called immediately, and Citibank was prompt in refunding me the two charges of {$500.00} and {$240.00}, and locking the debit card and sending me a new one. 

However, just a month after when a similar thing happened where a charge of {$1100.00} was made at XXXX  store located in XXXX IL. You locked me out of account for several weeks and concluded that due to lack of evidence, I am liable for {$1100.00} that the thief stole. This does not make sense, because you are rewarding a criminal by legitimizing the fraudulent charge he made. Citibank has chosen to penalize a loyal customer for several years of Citi Costco card member instead of believing in my claim for my hard earned money. 

Here is some evidence you overlooked. 
On XX/XX/XXXX, I was staying at home. I can provide alibi for it by using XXXX XXXX Timeline which keeps track of my location in XXXX XXXX. There is not a reason for me to spend a DEBIT transaction at XXXX  in a different state from where I live. 

1. I have not used debit card since I've opened Citi checking account in XXXX. 
2. By checking my Costco Citi c.c. statements, you will see that I do not shop at XXXX  3. Nor have I made any purchase in XXXX 4. My address on the Citibank shows that I live in XXXX XXXX and most of my spending is at different Costco 's in XXXX XXXX area. 

Thank you for listening.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$24000.00}
Complaint sub-issue: Information is not mine

disputed several accounts in XXXX with Equifax and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX Bank- Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Complaint sub-issue: Information belongs to someone else

I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.
Complaint sub-issue: Reporting company used your report improperly

In  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
Complaint sub-issue: Debt was result of identity theft

I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters to the collection agency as well as the credit bureaus requesting validation of date that includes my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. and disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to XXXX which has caused a turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
Complaint sub-issue: Other problem getting your report or credit score

I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX has violated my rights. 

XXXX5 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 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 that the information is inaccurate.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet ( and the loan guarantor, XXXX  ) are both threatening collection action, call the loan and damage my credit history for an amount the claim is overdue, but I am actually paid ahead. 
Briefly, I am paid ahead to approximately XX/XX/XXXX. Nelnet claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. 

On XXXX, I received a call from Nelnet that I was behind over {$2500.00}. Since then, I have made 5 calls to Nelnet and 2 calls to XXXX to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. 

I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ) who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). 

On XXXX, when I called, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that Nelnet was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2016 IQ Data International added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XX/XX/XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XX/XX/XXXX approximately the XX/XX/XXXX of the month they also accepted my payment of {$27.00} in XX/XX/XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX  XXXX XXXX account. I then on XX/XX/XXXX through their automated system paid my remaining balance to XXXX with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XX/XX/XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XX/XX/XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XX/XX/XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me
Complaint sub-issue: Information belongs to someone else

The following information is fraudulent. Enclosed is a police report and FTC Identity Theft affidavit. The following items are due to fraudulent activity - XXXX XXXX, {$2200.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX XXXX XXXX, {$4500.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX, {$130.00}, Collection.
Complaint sub-issue: Debt was paid

this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for 2 cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with 4 other debts.
Complaint sub-issue: Didn't receive enough information to verify debt

During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.
Complaint sub-issue: Account status incorrect

This account was included in bankruptcy, and should be removed. The information reporting on my credit is inaccurate including amount due and the date of last payment.
Complaint sub-issue: Account information incorrect

My XXXX XXXX account was settled and should be a XXXX balance however Equifax is still reporting a balance of {$2100.00} which is not correct.. I have submitted demands to Equifax with proof and my credit profile has yet to be updated and there has been no response from Equifax at all. Update the balance immediately or delete this account off my credit file!!
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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 XXXX   XXXX  XXXX
Complaint sub-issue: Debt was result of identity theft

I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, Equifax, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. XXXX XXXX/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and XXXX XXXX/XXXX multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however Equifax continues to report this fraudulent account and XXXX XXXX/XXXX continues to harass me with ongoing collection calls.
Complaint sub-issue: Trouble with how payments are being handled

I refinanced my student loans with XXXX  and the loan was funded on XX/XX/XXXX. At the time, an over payment had been made to my previous servicer because the payment was due around the same day the loans were refinancing. I contacted the company 3 times over the course of 45 business days to ask when my over payment would be applied and was told that I had to wait until 45 business days had expired. At the end of this period, I contacted XXXX/Mohela and was put in touch with a customer advocacy team. This team requested that I provide the check information from the previous servicer which I did. After several days I contacted the customer advocacy team again and they said they could not find my over payment and I would need to get a cop of the cleared check. So again, I reached out to my previous servicer who sent the information multiple times to XXXX/Mohela before they confirmed receipt. Its now been 4 months since my loan funded, I have contacted XXXX/Mohela over 18 times and have escalated my case multiple times with no anticipated resolution date. When I ask why the payment is not being applied Mohela says they are waiting to hear back from XXXX. Mohela agrees that I have made the payment and that I have proved that I made the payment. Mohela can not provide a time frame or resolution to this issue. They refuse to give me a direct phone line to a manager and tell me that I have to continue to wait. XXXX/Mohela cashed a check ( # XXXX ) in the amount of {$1600.00} from XXXX on XX/XX/XXXX. The check also contained a roster ( which I am not privy too ) specifying how payments should be applied. {$770.00} of that check should be applied to my account. See attached cleared check image. 

Account number : XXXX. Overpayment : {$770.00} ( XXXX  to XXXX/MOHELA )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX Acccunt # XXXX and 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

Equifax and XXXX are not complying with their own policies in a timely manner.