Johnade/consumer_complaints_cfpb huggingface dataset:
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 deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$3900.00}.
Complaint sub-issue: Information belongs to someone else

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
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 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 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 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 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: Personal information incorrect

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have XXXX addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.
Complaint sub-issue: Information belongs to someone else

I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.
Complaint sub-issue: Trouble with how payments are being handled

I can not get ahold of the company to varify that my loans qualify for PLSF
Complaint sub-issue: Information belongs to someone else

This is my 2nd CFPB complaint to be submitted informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Under the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information that resulted due to identity theft, please remove the following items completely from my Credit File : 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 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 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 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 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 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 XXXX XXXX
Complaint sub-issue: Having problems with customer service

I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!
Complaint sub-issue: Problem lowering your monthly payments

Citibank Sears will not change the monthly amount from {$300.00} to {$200.00} as I can't pay the bill. They will not work at all to help at all. I called three times to ask for help and they won't help.
Complaint sub-issue: Account information incorrect

I would like the credit bureau to update my report to reflect the correct balance due on my XXXX account. The balance due is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Account status incorrect

On my credit report appears a lot of hard inquiry that is not mine
Complaint sub-issue: Investigation took more than 30 days

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Overcharged for something you did purchase with the card

To Whom it Might Concern, I bought three items in best buy in which two of the items are defective. Best Buy fail to send me new items and the XXXX XXXX and the XXXX XXXX by XXXX. Both items cost me over XXXX USD. I decide to sent the items back and I have been talking to Best Buy to get the XXXX label and they fail to resolve the problem. Best Buy wants me to take responsibility to ship the item back. 

Also, I had a 24 months finance brake and they are charging me {$23.00} fee every month for no reason. 

Everyone who buys from Best Buy should be extremely careful.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second time opening a dispute for the same issue that was never resolved. First compliant is XXXX and feedback was provided with no resolve. Lets try this again, after numerous calls over the past five months or so creditors are unable to access my Equifax credit report and your customer service reps are very incompetent and love to transfer and disconnect. My issue is exactly the same as the folks on this thread : https : XXXX. I am currently unable to sign up for XXXX because I receive the message that " While processing FICO Premier, we discovered a mismatch in the personal information you submitted and are unable to deliver your data from Equifax ... XXXX '' I have attached a screenshot to this complaint. Also I am unable to retrieve a credit report from XXXX although at this time this is the least of my concern since you guys keep sending me credit reports when I file complaints or call in to complain. See attached screenshot. 

So here is what I need from you EQUIFAX. Fix whatever errors there are on the backend ASAP! It is my right to have access to my credit report and credit scores whenever I desire according to the Fair Credit Reporting Act and you are hindering this. Have the Office of Consumer Affairs check my profile please as they have corrected many others issues from the link I provided above. Do not send me another credit report as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in your system.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressful.CBE GROUP AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS XXXX, EQUIFAX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX XXXX XXXX XXXX and {$1000.00} sorry i don't have accounts number... 
Equifax- XXXX XXXX  amount are XXXX AND {$1000.00} XXXX XXXX  amount are XXXX and {$1000.00} With all these going back n forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.
Complaint sub-issue: Information belongs to someone else

I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX  for XXXXaccont number is XXXX by pro collect, inc .address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX.this is wrong report .please remove it.
Complaint sub-issue: Account status incorrect

Money lion never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.
Complaint sub-issue: Problem with customer service

XX/XX/XXXX : requested refund of payments made during COVID forbearance as permitted via CARES Act. Was told it is being processed. 
XX/XX/XXXX : Account balance still does not reflect this update/refund. Tried calling to get an update on my case number but have had troubles reaching someone on the phone. Experienced no call back after using the call back feature.
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. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Complaint sub-issue: Frequent or repeated calls

After receiving a forbearance exemption due to COVID-19 in XXXX, I received numerous phone calls from Fay Servicing in XXXX, XXXX, and XXXX encouraging me to make payments. In addition, I was led to believe that I could not request the payments be added to the end of the loan, and instead made balloon payments to cover those accruing during the forbearance period. 

As a result of this and being laid off due to COVID, I have been forced to fill out a new arduous application for forbearance which was completed on XXXX and was told it would be completed within a month ( often earlier ). XXXX, my account manager gave me assurances that I'd qualify for forbearance and that I could have these payments added to the end of the loan, as opposed to due immediately after forbearance. Sadly, one month later they still do not have a response for me. 

Sadly, in this precarious circumstances, Fay Servicing is my only lender that has not worked with me to help me through this trying time. They are simply interested in continuing to intimidate someone who is struggling with unemployment during COVID-19.
Complaint sub-issue: Debt was paid

I used this clinic XXXX XXXXl XXXX XXXX XXXX XXXX A, XXXX XXXX, NV XXXX XXXX service since XXXX The did a lot of work on my teeth In XXXX they recommended deep cleaning and one of thing called irrigation they said my insurance wont cover that and i have to pay them I already did paid for that service out of pocket In XXXX start having pain in one of the tooth they fixed and put a crown on I went back to the clinic the dentist who was working with me wasnt there and they new dentist noticed that they messed up my teeth so the send me to a specialist within the same clinic And she confirmed they did a mistake and they will refund me what i paid of pocket which is {$300.00} I havent received that check yet and I forget about since I dont live in XXXX XXXX anymore Now I received a call from collections agency regarding that service which I already paid for
Complaint sub-issue: Information belongs to someone else

Vance Huffman added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
Complaint sub-issue: Can't close your account

I supplied Total Visa a letter dated XX/XX/2021 which requested cancellation of my Visa credit card. The annual fee of {$48.00} posted on XX/XX/2021 and the monthly serving fee of {$6.00} should have been eliminated by my cancellation request. XXXX XXXX charge posted on XX/XX/2021 should not have been honored as the cancellation letter is dated XX/XX/2021. Additionally, XXXX did not have the authority to charge {$190.00} to my account. A letter from XXXX admits the charge was not legitimate and reversed this charge from my account. That reversal was made by Total Visa within five to seven days of XX/XX/2021. The remaining charges of a service fee of {$6.00} posted on XX/XX/2021 ; a late fee of {$29.00} on XX/XX/2021 ; and an interest charge of {$4.00} on XX/XX/2021 occurred well after the XX/XX/2021 date of the cancellation letter. This dispute was answered by letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX, servicing bank for Total Visa denying my request to eliminate the {$94.00} charged to my account for the annual fee, servicing fees, late charge and interest charges. These charges were all placed on my credit card by Total Visa. The only phone number that I have for XXXX XXXX XXXX or Total Visa in XXXX XXXX, SD is XXXX. My name is XXXX XXXX at XXXX is XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. Total Visa credit card # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Equifax website as well as the investigation results page this is what they state prior to providing the results.
In this situation : * We request that the reporting company verify the accuracy of the information you disputed ; * We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary.
Now, if all of that is true, they would have found that the companies below have ZERO authorization from me to run my credit or place an inquiry on my file. I have even contacted several of them to see what information they had from me and they have nothing.
Not a single one of these creditors ever had any signed document nor phone authorization, nor online signature from me to perform any of these credit pulls on Equifax or any other bureau if they have done so at any time.
If Equifax had done an actual investigation or gotten any " verification '' as they say they would have removed these inquiries immediately. The following information is in regards to the inquiries that were made without my authorization or approval in any way and I demand them to be removed immediately. They are impacting my credit score and my ability to gain credit.
I appreciate your efforts in helping me resolve this problem as soon as possible.
Credit Inquiries I am Disputing and have no provided authorization for that I demand to be removed.
  XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX  : :  XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I have incorrect 30 day, 90 and 120 day late payment on my XXXX  accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on equifax, XXXX   and XXXX  for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.