Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON MY CREDIT REPORT
Complaint sub-issue: Debt is not yours

My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified Discover XX/XX/XXXX of XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from Discover. I called Discover and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from XXXX XXXX  XXXX. I informed them there is no estate. They said ok that was it. In XX/XX/XXXX/ XX/XX/XXXX I received calls and letters again from XXXX XXXX XXXX. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from XXXX XXXX XXXX wanting me to settle on the account. I attempted to contact XXXX XXXX  XXXX during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.
Complaint sub-issue: Investigation took more than 30 days

Dear Complaint department please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. As far as I know you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated that you verified that these items are being reported correctly? Who verified these accounts??? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Problem with statement of dispute

THESE COMPANIES HAVE NOT VALIDATE AND AUTHORIZATION TO PULL MY CREDIT. THERE IS NO SIGNED AUTHORIZATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and 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: Their investigation did not fix an error on your report

I have sent multiple disputes informing Equifax of the inaccurate information that is being reported on my credit. They have knowingly violated my rights by not following the proper procedures and continue to report the inaccurate information. All communication to them is attached.
Complaint sub-issue: Information belongs to someone else

XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX
Complaint sub-issue: Account status incorrect

I have filed multiple complaints against XXXX and Equifax regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
Complaint sub-issue: Don't agree with the fees charged

I have had an ongoing issue with FedLoan Servicing. The recent issue started on XX/XX/XXXX. I made my payment, just as I have every month, and it cleared my bank on XX/XX/XXXX. when I went to check my account, which I always do, it said I still had a balance, part of the payment, and that I was past due. I first called on XX/XX/XXXX, I waited to see if something needed to clear, to employee XXXX. She told me that she saw my payment but part of the payment when to something else and that she would place an order to have it fixed within 7-10 business days. My second call was XX/XX/XXXX with employee XXXX who, after looking through my account, told me that the last employee never did anything to resolve my issue. I was then reassured that he would take care of the issue with an order ... ... Same thing. My next call was with employee XXXX who said they saw the request from XX/XX/XXXX and that between XXXX XXXX it should be resolved. After seeing it was not resolved, I called and talked to employee XXXX who informed me there was no order and that she would have her supervisor help her expedite an order to take care of my issue. It is now XX/XX/XXXX and my bill says I am still past due. 
This issue is still not resolved. 
This company has screwed me out of thousands of dollars already by recommending I switch my payment plan for loan forgiveness ( income based ) only to increase my monthly payment to 3 times what I already pay which I could not afford on a XXXX   salary. And when I wanted to switch back they told me that I needed to do standard payment, which added 5 years of payments to my loan with no opportunity for forgiveness. 

I just want to pay my bill and be done with these people.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and 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 my file at XXXX, Equifax, and XXXX are 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Complaint sub-issue: Information is missing that should be on the report

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX has my addresses correct and most of my older accounts, but XXXX and XXXX and Innovis do not. If XXXX could share these records with the other bureaus my information would be more correct.
Complaint sub-issue: Account information incorrect

There are three hard inquiries on my bureau where I did not apply or give permission for anyone to apply for a loan in my name with XXXX XXXX, XXXX XXXX and XXXX XXXX that same day of XX/XX/2017. I have contacted XXXX as they are local and they did not have any documentation on me whether ink signed or Esigned. where I asked for credit. I have requested these three hard inquiries be removed several times from Equifax and nothing has happened. Please help me with this. 

Thanks XXXX XXXX
Complaint sub-issue: Debt is not yours

RECOVERY ONE is claiming that I owe them {$190.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Problem getting your free annual credit report

I sent Equifax a request for my consumer credit report AND file via certified mail with a return signature slip XX/XX/2022. Equifax sent me a notice via mail dated XX/XX/2022 without the signature return slip, which I expected back. Equifax refuses to provide me with my consumer credit report, by way of another stall tactic. Equifax continues to violate my federally protected rights.
Complaint sub-issue: Debt was result of identity theft

This letter is regarding account #  XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had  )  some contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX    ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/>  XXXX   XXXX
Complaint sub-issue: Report provided to employer without your written authorization

Have speeding ticket on file for XXXX XXXX
Complaint sub-issue: Company closed your account

I opened several bank accounts ( personal checking, savings and also a business account ) with Colorado First Bank on XX/XX/2020 and was also approved for a credit card that same day. 
On roughly XX/XX/XXXX I logged on to my online account and saw the credit card account ( which I had not even received yet ) had  charges on it $ ( XXXX ). I called the bank, cancelled the card and filed a claim. I received 'provisional credit ' on XX/XX/XXXX and was fully refunded on XX/XX/2020. 

Just a few days later, I signed on again to monitor my account and noticed that my bank account had been drained. I once again called the bank, filed a claim and answered all the questions. I had possession of the card so this seemed really odd and absolutely terrifying. How on earth was this possible? There were charges amounting to {$2600.00} and there was even a {$400.00} withdrawal at one of their ATMs. I got very little reassurance from them. I was told they would investigate and let me know. A few days later I was told that I would not be refunded because the debit card was in my possession. They didn't even try to investigate! Most of the purchases were made in person ( surveillance? ) and at the very least, the ATM was at one of their banks so they could have checked their camera 's. Instead, they closed all of my accounts without my knowledge, business account and savings too ( they were unaffected ) and a letter stating they would be reporting me to the credit agencies for 'Misuse ' of my account.

CRIMINALS! So now I've been victimized by the bank too.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX and XXXX  XXXX reinserted a collection account on to my credit report from XXXX XXXX XXXX XXXX. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and equifax needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX XXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX  account is reporting that I am not paying on the debt owed. I state that I made payment arrangements with XXXX  and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect.

2. I contend that FICO, Equifax, XXXX, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus. 
Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.
Complaint sub-issue: Old information reappears or never goes away

I have requested multiple times to get my consumer statement deleted from my Equifax report and it still has not been removed. My consumer statement reads " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION '' I would like it REMOVED!!!
Complaint sub-issue: Can't close your account

I tried to close my account with BBT and they refused. They want to keep the account open and continue to charge me {$12.00} per month for having an account with them. Four years ago ( XX/XX/2014 ) I deposited 2 checks for {$68.00} each signed over to me by the " pay to. '' Even though the checks cleared and BBT received the funds, BBT placed a hold on my account for the deposit stating that the " pay to '' on the checks had to sign again. The " pay to '' verified their identity with BBT several times but the hold remains to date. BBT has robbed me of a total of {$280.00} thus far.
Complaint sub-issue: Account status incorrect

Incorrect info from XXXX stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at XXXX that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with XXXX has done no good. Please help us remove the incorrect info that XXXX has chosen to ruin our credit for us two XXXX  citizens in XXXX XXXX, Florida.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Jefferson Capitol calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Complaint sub-issue: Account status incorrect

I requested that the credit reporting agencies remove several inaccuracies from my credit report, and I have been sending letters back and forth for well over a year, and nothing has been resolved. I do not believe they are really investigation the inaccuracies. They just keep saying it has to stay on there, but the information is wrong, and it is affecting my life. I am a XXXX veteran, and I am dealing with my health right now, and this has greatly affected me being able to do anything because off all of the inaccuracies on my credit reports.
Complaint sub-issue: Didn't receive services that were advertised

I was in original Equifax breach reported last year. Was unable to register online for credit protection they offered because link wouldnt work and I was never able to get through constantly busy phone. On XXXX.XXXX.18 I  received another letter from Equifax that I was part of second breach last month. Again link in letter for XXXX didnt work and I was just on hold for an hour and couldnt sign up. I know my ID is at risk and Equifax says I can protect it but their service doesnt appear to be real.