Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

XXXX has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. XXXX  has {$170000.00}, which is inaccurate. Please have them fix my report.

XXXX also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years.

Not one item on my Equifax report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by 64 points and then 14 points there after.

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by 64 points and 14 points.

I have not missed payment with any creditor in the last 12 months.

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My XXXX  score is tied to Equifax, and XXXX  on my membership with XXXX. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$47000.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$43000.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX US SM BUS ADMIN ODA : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$7700.00} ), XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$490.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$470.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$540.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number I also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
Complaint sub-issue: Information belongs to someone else

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
Complaint sub-issue: Public record information inaccurate

I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to XXXX, Equifax, which had inaccurate accounts open, inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  's on my credit file accounts. 

I had to contact XXXX XXXX XXXX Bankruptcy court and the XXXX sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter. 

I mailed XXXX certified letters to XXXX and the data mining company aplogized and removed XXXX XXXX XXXX do to inaccurate reporting. XXXX and Equifax have NOT removed the XXXX XXXX under a different name. 

I have a police report and a signed XXXX from FTC for Identity Theft. I mailed both XXXX and Equifax the documents from Social Security XXXX that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the XXXX XXXX XXXX concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security XXXX letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both XXXX and Equifax REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing XXXX for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.
Complaint sub-issue: Debt is not yours

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered a security system for my husband for a XXXX present but I changed my mind and sent the unopened package back. I refused delivery. I have the shipment document that they received the shipment back but they are still trying to charge me for it. Discover started to automatic debit my checking account without my permission to get this payment. I have spent hours on the phone with Discover trying to resolve this. I wanted to send the documentation that it was sent back with registered mail but all they have is a P O box for disputes. I tried to file the dispute on my online account but I have not used it in so long it was on a old phone number so I couldn't get the security code. I have sent them documentation from XXXX through the mail 4 times. I still can't get this resolved. The purchase was made through XXXX.
Complaint sub-issue: Debt is not yours

I was twice the garnishment order put on to the same employer at XXXX ; with these two incidents, I vacated the judgment. I have lost tremendous money and effort to fix this issue ; the judgment group, XXXX MD, have used the social channel to make things not accurate they failed twice ; on top of that, they are still misleading my employer after the judgment vacated, they do not follow the rules, fail information to collect a small debt, with enforcement, small to them but significant to me I have XXXX kids and survive on this challenging time. I would like this not to happen again and collect some of my losses as penalties. And stop identity thieves and the way they process ; I guess there is no rule they follow after two mounts of trying ; they just send my money back as they took from garnishment, right now that money is a little bit for me, I borrow money to pay my mortgage until I vacated the judgment.
Complaint sub-issue: Public record information inaccurate

I am a XXXX XXXX in XXXX Kentucky. I applied to become a XXXX to earn extra money. I was denied due to a credit check from Checkr. I would like the information from this report to find out why I was denied. 

My life depends on my background check. If I have bad information on one I need to know so I can clear it up. I have done nothing wrong. I have never been in jail or have any criminal records.
Complaint sub-issue: Problem getting your free annual credit report

I have been trying to view my credit report from Equifax. 

Have tried to view my credit report from 1. XXXX XXXX XXXX 2. XXXX and 3. XXXX online monitoring service. 

Equifax is preventing me from viewing my credit report for errors or valid information. 
This is a violation!
Complaint sub-issue: Debt is not yours

This debt was removed from my credit months ago and has reappeared. 

I need this removed immediately, I don not owe this debit and it is affecting me from moving in to a new apartment and buying my family a house. 


I will attach screenshots of when this debt was removed.
Complaint sub-issue: Debt is not yours

I was contacted by LJ Ross and Associates regarding an unpaid utility bill. Upon hearing of the debt, I immediately disputed it's validity. My home was foreclosed on XX/XX/XXXX,  however the new owner never took over the electric account. I was billed through approx XX/XX/XXXX for the electricity on a property that I did not own or occupy. I was unaware of the billing situation as the bills were being sent to a property that I did not live in. I sent LJ Ross & Associates a copy of the foreclosure dead, and made them aware that in the state of MA, I was not responsible for an electric bill for a property that I did not live in. 
LJ Ross and Associates continues to try to collect on this debt, even though complete proof has been shown that this is not a valid debt.
Complaint sub-issue: Information is not mine

I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have been received calls from XXXX XXXX XXXX XXXX for XXXX XXXX. Call dates and times are :XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. All calls are from phone ( XXXX ) XXXX. This is also the call back number left by their prerecorded phone message they keep leaving. Their address is listed as XXXX XXXX XXXX XXXX XXXX, California, Phone ( XXXX XXXX XXXX, XXXX. I have left several message on their answering machine because I go to work before they call and don't get home until after they are closed. I have told them the subject they are looking for has not lived at my residence in 12 years and to stop calling my phone. I have informed them my phone number is on the National DO NOT CALL list. I have informed them I have filed complaints with the FCC and the FTC. I told them if they continue to violate the DO NOT CALL list and harass me further I will contact the FBI. This harassment is across state therefor it is federal. I have informed them for each phone call they continue to do is a separate violation. I will attempt to send them an email but that will probably just start them emailing me too. The government agencies I have contacted have the right and the ability to contact the FBI and should do so for these violations of criminal laws. I am also looking at violation of my rights of equal protection under the law if nothing is done. This debt collector has laws it must follow and is not. Their over aggressive actions are a violation of laws both federal and state. I want criminal charges and civil action take against XXXX XXXX XXXX XXXX for their violations. My messages have become more and more, well not polite which is not required when I'm talking to these leeches. They how ever are required to stop calling and they must be polite when talking to you. I will continue to file a separate complaint each time with the FCC and FTC as each call is a separate incident/violation.
Complaint sub-issue: Account status

Equifax last month according to XXXX was showing my credit score at XXXX, today XXXX XXXX 2016, Equifax is showing my credit score with XXXX at XXXX. 
I had no negative or bad items in the past 24 months to cause this change. When I contacted Equifax , they had no response.
Complaint sub-issue: Was not notified of investigation status or results

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

In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number 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
Complaint sub-issue: Fraudulent loan

I, consumer XXXX XXXX entered into a consumer credit transaction on XX/XX/2015 in which had a finance charge with ALLY FINANCIAL. A finance charge is the sum of all charges pursuant to 15 USC 1605 ( a ) in Truth in Lending. I consumer XXXX XXXX is the original creditor. I am owed double the finance charge in which is $ XXXXAmount financed was on my behalf and shown on the exhibit pursuant to 18 USC 8. I put a down payment of {$4000.00} in which is illegal with a finance charge in any consumer credit transaction. I sold security interest to ALLY FINANCIAL Pursuant to 15 USC 1602 ( g ). According to 15 USC 1635 I, consumer XXXX XXXX had a right of rescission, and disclosures forms were not provided to me during this credit sale by ALLY FINANCIAL. This alleged contract is fraud and null and void. ALLY FINANCIAL is criminally liable pursuant to 15 USC 1611, & has civil liability pursuant 15 USC 1640 for these actions committed against me. ALLY FINANCIAL has threatened to take illegal action that can not be legally taken pursuant to 15 USC 1692e ( 4 ). ALLY FINANCIAL has also violated the Fair Debt Collection Practicing Act. Every month ALLY FINANCIAL states I owe a debt that was already paid and that is illegal according to my consumer rights. This account is fraud and I do not owe a balance. I'm instructing that all prior payment made on this account to be returned by sending a check in the mail according to 15 USC 1692h There is no contract with myself and ALLY FINANCIAL, IT IS FRAUD.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Didn't receive notice of right to dispute

This at & t account is very very old. Tried to apply for TV and phones. Was denied. I didnt even know about this collection.
Complaint sub-issue: Debt was paid

The balance on this account was supposed to be cancelled because the couch they sold me and charged to this account fell apart. They refused to honor the warranty they also charged me for. The couch was not fit for the purpose for which it was sold. The XXXX XXXX would not even take it because they would not be able to fix it so I had to pay {$300.00} to have it taken away. 

Nevertheless, XXXX XXXX has refused to credit back the account. They have also refused to stop taking payments out of my checking account. 

In sum, XXXX XXXX sold me a faulty product and a warranty on it that cost me more money and then refused to replace or repair the product and continue to charge me for it.