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

I sent a dispute letter against the Credit Bureaus on XX/XX/2022, and awaited their response, 30 days passed and the Credit Bureaus failed to respond to my dispute letters. Once again, I sent another Dispute letter on XX/XX/2022, to folow up the Credit Bureaus. Both dispute letters request the correction of my Credit File by correcting the disputed accounts or removing those that are not erroneous. Under the Fair Credit reporting Act, the Credit Bureaus are obligated to finish their investigation within the time allowed by law, which is 30 days. More than 30 have passed since my first dispute letter was sent and yet the Credit Bureaus have sent me nothing! I am now submitting this CFPB complaint to inform the Credit Bureaus that I am willing to file lawsuit against the Credit Bureaus in the event they do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus correct, update, and or remove the disputed accounts that are reporting erroneous information on my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR BR IN ORDER FO THE BR COURT TO INVESTIGATE THE FRAUD. BRC REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN 2004. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM H AND R BLOCK IN 2004, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Complaint sub-issue: Information belongs to someone else

During th e    XXXX   XXXX    2017 i had  an inquiry placed on my  XXXX  credit report. The  Unauthorized Inquiry was placed by Discover  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  Discover with no results. Discover denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Complaint sub-issue: Attempted to collect wrong amount

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX  ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me XXXX XXXX : Pursuant to 15 USC 1692C. ( c )
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 I am being hit with 2 Hard Inquiry 's from XXXX card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.
Complaint sub-issue: Their investigation did not fix an error on your report

Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Complaint sub-issue: Didn't receive services that were advertised

I ran my credit score through XXXX XXXX and stated that I had a credit card account open since XX/XX/2003 which is impossible. The credit card shows as " Citicards Cbna '' and I have called the company but stated that they do not see an open account. However, the credit card shows open and i believe its part of an identity theft. Would you please help? 

Thank you!
Complaint sub-issue: Problem getting report or credit score

On and off for the last year I have been unable to obtain my Equifax score and report. I pay monthly for their service. I have called numerous times and spent countless hours on the phone. Most people ca n't help me. XXXX XXXX has helped, but has told me if I keep using the service THAT I PAY FOR, that " they will take it away from me ''. So they continue to lock me out from access to my report, but continue to charge me. This is fraudulent. I want access to the product I pay for.
Complaint sub-issue: Personal information incorrect

I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio XXXX.
Complaint sub-issue: Reporting company used your report improperly

THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX the consumer, have unauthorized accounts on my credit report that resulted from identity theft. 15 usc 1681c2 says that unauthorized accounts must be rremoved if it is related to identity theft. the unauthorzed accounts are attached in my ftc report.
Complaint sub-issue: Report improperly shared by CRC

I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.
Complaint sub-issue: Trouble with how payments are being handled

The Companies involved include XXXX and XXXX. 
XXXX inherited this issue from Fed Loan. 

As of XX/XX/XXXX I completed my 120 payments for loans 4 and 5.

I submitted in July my paperwork indicating I was still working for a public service agency. 

After finally, correcting its miscalculation in August Fedloan credited me for 2010 payments. 

Still they credited me up to XX/XX/XXXX. I am fine with that. But I should not have to submit anything more to start the formal loan forgiveness. As my employer already signed a form in XX/XX/XXXX. 

I am attaching what I submitted at that time. 

Please note the forms were used to credit me for 120 payments and therefore the signatures and information should be sufficient to forgive my loans.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
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: Was not notified of investigation status or results

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiry done by XXXX XXXX on XX/XX/21.
Complaint sub-issue: Information belongs to someone else

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. Equifax and XXXX has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My report showed XXXX  XXXX-XXXX  XXXX XXXX thats incorrect..
Complaint sub-issue: Trouble using the card to spend money in a store or online

For the last 2 weeks I've been trying to activate the eipcard I got as part of the stimulus. I call the only number available that it claims is for customer server 24/7. I follow the directions and press 1 for customer service or to activate the card. Then it asks and I put in the card number. Next it asks for and I provide the last 6 digits of the Social Security number. The recording then says " We're unable to process your request at this time. Goodbye. ''  There is no other phone number for this card or a way to contact customer service on line. The only other way to contact them appears to be an address.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I got my wallet stolen and someone used my stuff to open a card and now its on my credit sent police report from the day the wallet was stolen and also a report showing that they have my info. And dispute the action. And still no response. Which has effect my credit score so I cant buy anything with this on there.
Complaint sub-issue: Was not notified of investigation status or results

i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.
Complaint sub-issue: Account status incorrect

This ( XXXX XXXX XXXX acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.
Complaint sub-issue: Trouble with how payments are being handled

My payment amount is not being evenly dispersed to all my principle balances. Instead nelnet is applying the total amount to the interest portion of the loan rather than the principal which will elongate the loan further. Ive also asked if there are options for me refinance or lower interests rate but was told to visit StudentAid.Ed.gov. 

As a graduate student, mother to be, and full time worker I'm hoping there are more options for people like myself who are struggling with these large companies like Nelnet. Please put regulations in place and make sure our money is being put towards our loans and not the companies pocket.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 an account without my written instructions
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.
Complaint sub-issue: Debt is not yours

The credit agency representing  XXXX  has violated the FCRA by not providing signed documents to me in regards to this debt. I have no knowledge of this creditor and have not received anything that pertains to this debt.This s unverified and immediately needs to be deleted from my all credit files. :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If ERC does not have any documentation, they need to retract this from m credit file immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased an open box computer that was broken from XXXX XXXX on XX/XX/XXXX i returned and exchanged the computer the next day for a new XXXX computer totaling {$1000.00}. the computer malfunctioned within a few weeks of purchasing and i visited the store approximately 15 days after the purchase to return/exchange the computer. the customer service rep at the store stated that the window for return had closed and i must contact XXXX for warranty repair. at this time i was not aware of my right to return a defective item, and was not aware that the store actually had a 30 day return policy. 

i contacted XXXX a few times to try to initiate a warranty repair. they promised to send me an overnight box to ship my computer to them. it took a few weeks from my initial call to actually receive the box. the repair process took about a month. upon receiving the computer back, the computer started malfunctioning again almost immediately. 

this is when i filed a dispute with citi best buy card services, explaining my interaction with the deceptive XXXX XXXX   employee, the defective product, etc. Citi QUICKLY sided with XXXX XXXX on this matter, stating that i was outside of the return window. Ha. its been months, of course its outside of the return window now. i am not disputing that. 

. the problem has gotten progressively worse and the computer is now unusable. i contacted XXXX for a return box about a week and a half ago for a return box. it has not been received and XXXX repeatedly tells me that they have no record that i initiated a second repair request. i contacted Citi yet again to open another dispute. they stated that they have already sided with XXXX XXXX, that it was past the return window, and they will not open a new dispute. 

i question citibanks business practices as they sided with their business partner and provided no valid reason as to why. i should be covered under the purchase protection plan that they offered me.
Complaint sub-issue: Information belongs to someone else

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, Equifax, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
Complaint sub-issue: Information belongs to someone else

These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.
Complaint sub-issue: Account information incorrect

Every time I go online and Attempt to file a dispute with Equifax I am blocked from disputing things that are inaccurate on my report..their reports shows me as having 3 XXXX  XXXX   XXXX  Credit account . One for XXXX XXXX for XXXX. These are correct. Then they show one that is spelled XXXX  XXXX XXXX ( mispelled ) in the amount if XXXX..This is not my account. I never had a XXXX XXXX XXXX credit card in the amount of XXXX..I have made several attempts to dispute this with Equifax among other things they won't allow it to go through. And why does my credit reports have different things on each of them? Makes no sense to me at all.