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

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPEDXXXX   and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2019. I submitted notification to all XXXX credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.
Complaint sub-issue: Investigation took more than 30 days

I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.
Complaint sub-issue: Information belongs to someone else

I was young and I didn't know anything about credit, once i got older i realized that my identity was used, i was not aware of this happening. i did not know anything about credit around the time this happened and i need this to be removed because it is hindering me of obtaining credit, apartments, a car and more. I have a fraud XXXX XXXX  on my credit report that needs to come off. I contacted XXXX and keep the getting the run around!
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested information in regards to this fraudulent account inwhich I'm disputing and demanding that this account is blocked from my credit data file. The account is XXXX XXXX. I have requested the Method of Verification and certified documentation, signed contract, etc, and an electronic Verification can not be accepted as proof. So in accordance with the FCRA laws, either provide the above information or block the account immediately and permanently.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Experian reported Macys/XXXX DATE OF INQUIRY XX/XX/2021.
Complaint sub-issue: Other problem getting your report or credit score

When a bank or creditor tries to pull my equifax credit report they say its locked or frozen. Ive called equifax multiple times and every time they say theres no problem. This has been goin on for over a year
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to an inaccurate account reporting on my credit. I never received any notifications in regards to the investigation results & it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Complaint sub-issue: Debt was paid

I am filing this complaint against CKS Prime Investments. I called their office on XX/XX/19 to make a payment of {$4600.00} as this is the amount that they were reporting that I owed on my credit report. I was told that they no longer had the debt and they provided me the number to XXXX XXXX. I then called XXXX XXXX and was told that I needed to contact XXXX XXXX XXXX XXXX to make a payment as they were now the owner of the debt. I made an e-check payment to XXXX XXXX XXXX XXXX on XX/XX/19 for the full amount and was told that this would be reported to CKS Prime. The check cleared my account on XX/XX/19. I can provide my bank statement to validate payment. CKS prime has continued to report to all 3 of my credit reports and is updating the debt as unpaid and is unwilling to update their records. This is a violation of the CFPB and FCRA. I want this company held fully responsible for their illegal debt collection practices and prosecuted to the fullest extent of the law!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have never did business with these companies & there reporting on my credit profile. This is causing great finical harm and want these accounts deleted from my profile immediately. My personal information is inaccurate and has been used with out my permission. XXXX, XXXX, XXXX  is not my name & XXXX XXXX XXXX XXXX XXXX XXXX is not my name. my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX is not my address, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address XXXX XXXX XXXX  XXXX FL XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address ( my employment is not XXXX XXXX OR XXXX XXXX XXXX  these companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX  my request is the you delete and remove this errors from my credit profile immediately.
Complaint sub-issue: Debt is not yours

I never had a contract with this company called PROCOLLECT. I sent a validation letter on XXXX / XXXX /2017.  I never received any type of validation in regards to my letter from this company.Procollect states that I owe them XXXX for an unpaid balance but they have yet to send any validation that I have a contract with this collection agency.. I also called on last week with a recorded phone call and they stated that they can settle the account for XXXX but that 's only valid for 48 hrs. Then they stated that we agreed on the settlement which I did n't, but because I called they said I agreed.
Complaint sub-issue: Keep getting calls about my loan

Just received information about the lawsuit filed against XXXX Colleges to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via Genesis Lending when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. Career services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least 3 times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. I have been out of school since 2013 and paying back my loan since then and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
Complaint sub-issue: Not given enough info to verify debt

I just found out about the Consent Order vs. XXXX XXXX XXXX , XXXX. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with XXXX XXXX XXXX. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with XXXX XXXX XXXX. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much stress ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
Complaint sub-issue: Information belongs to someone else

THIS IS THE SECOND TIME MY IDENTITY HAS BEEN COMPROMISED. I DONT UNDERSTAND WHY THIS CONTINUES TO HAPPEN TO ME. PLEASE REMOVE THESE FRAUDULENT UNKNOWN ACCOUNTS FROM MY REPORT AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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.

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Complaint sub-issue: Problem making or receiving payments

I went to the bank on XX/XX/2022 to ask for a void check to take to my work to use direct deposit ... and the employee gave me someone else 's void check... I don't know how that happened and why I gave him my driver 's license... this happened at the US Bank branch at this address : XXXX XXXX XXXX XXXX XXXX, WI XXXX. I became aware of this situation because this weekend I received a check stub with other direction
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. 

Account name : XXXX XXXX  # XXXX 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. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXXThis 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: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is removed. 



CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX.  The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
Complaint sub-issue: Information belongs to someone else

I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15USC1681 section 602 states I have the right to privacy.

15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.