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

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needs to be update in positive immediately : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3100.00}
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on XXXX dropped 41 pts on XX/XX/XXXX for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of Equifax and XXXX, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) XXXX score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the XXXX report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for XXXX monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my Equifax report, but after the experience with XXXX, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at XXXX and " Good '' at Equifax. Heartbreaking.
Complaint sub-issue: Received bad information about your loan

Near the end of 2017, my consumer credit monitoring app reported delinquent payments to Fedloan Servicing. I contacted them immediately because my account was set up on automatic bank draft and I had emails confirming each of my payments. The representative advised the transactions were not successful. Apparently, the banking information I submitted was incorrect. I was never notified the payments had not gone through. I immediately began doubling my payments each month to bring the account current, and asked that my consumer credit file be updated, as the company never contacted me to advise the transactions weren't successful. The company has refused, though they acknowledged they confirmed each of my payments and never notified me of the incomplete transactions.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter from XXXX XXXX XXXX XXXX about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XX/XX/XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XX/XX/XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}
Complaint sub-issue: Information belongs to someone else

I sent XXXX certified letters XXXX on XX/XX/2018 & XX/XX/2018 advising that I am not responsible for this insurance debt. I was never in an accident. l requested documentation a police report, etc. From the originator who sent me a letter back in XXXX. This information is being reported incorrectly on all of my credit reports as if it is a bankruptcy and checking XXXX XXXX Account ( XXXX ) because it can't be added as a collection debt. This is an illegal business practice on the part of the originator of the debt and LexisNexis. This debt was in dispute prior to it being placed on my credit report. This is not my debt, and it needs to be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXXn and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
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 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX/XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXXXXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY EQUIFAX CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT EQUIFAX FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : 07 XXXX  XXXX  XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of the Equifax hack. My information was leaked and released. Now i have to spend money to buy Credit protection that costs {$100.00} a year.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I became XXXX  in 2013. I have not worked in the field that I went to this school for. I am currently waiting on my XXXX which will take another 7 months before I know anything. I am working with an attorney and also some of the schools cost for XXXX  XXXX was unfairly charged. The cost of the online course that I took was over {$30000.00}. It is a total rip off and I was unaware of the total cost. The way they had everything set up was unethical. I have been fighting to get these student loans for this online course off of my credit for years and they just keep deferring it and charging more interest to the loans. I didnt even know that I had many different loans. I was never informed of this and thought that I had one loan out for the entire course which normally cost around $ 6-8,000 and not over {$30000.00}. This is insane.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2022 {$420.00} # XXXX XX/XX/2022 {$200.00} # XXXX XX/XX/2022 {$5300.00} # XXXX XX/XX/2022 {$490.00} # XXXX XX/XX/2022 {$1200.00} # XXXX XX/XX/2022 {$300.00} # XXXX XX/XX/2022 {$5000.00} # XXXX XX/XX/2022 {$1600.00} # XXXX XX/XX/2022 {$170.00} # XXXX XX/XX/2022 {$96.00} has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a 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: Information is not mine

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, Equifax and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XX/XX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX pain XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Complaint sub-issue: Not disclosed as an attempt to collect

I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/19 I filed a complaint about pro collect in search for something as simple as a receipt for a {$550.00} payment that was made on XX/XX/19. This morning a representative Ms XXXX I believe her name was called me in her attempt to rectify the situation. However she did not give me any option for a receipt my only options were to pay the balance in full for a paid in full letter or to use my statements. This is not an official receipt! How am I to prove that I have paid you or what my balance is on the account if I do not have a statement. the rep continued to ask me with her harsh tone if I wanted to cancel the payment plan that I did not want to set up in the first place but was told I had to because they do not accept partial payments it has to be on a plan. I told her if I can not receive a receipt or documentation on the plan yes please cancel. She then told me that my balance for BOTH of my accounts are now due in full. This is not fair as the account that had the plan has nothing to do with the other account as they are two separate accounts. This is an unfair attempt for retaliation and I think they need to be investigated for their policy and tactics as a financial collection service. I had not problem paying them back until I was told that I would not receipt the appropriate documentation until I give them all of the money. The rep then asked me if I have received any of their attempts to collect ( which she knows I did not because I changed my address in the system with her when I made the initial payment ) she then told me she can send a bill for the balance of both of the accounts to my address on file. You mean to tell me you can not send me a receipt or proof of payment but you can send me a bill and request for payment of debt?
Complaint sub-issue: Debt is not yours

Its obviously a fake debt collector. It states its Citibank regarding your Citibank card. It does not state the actual credit card, like Home Depot, XXXX, etc. When you call the number its another robo, asking for your phone number, ss # or credit card number. I put in my phone number and then it said it can not be found. Then it said to put in my SS # or credit card number. I'm not that stupid.
Complaint sub-issue: Information belongs to someone else

I REPEAT THAT I AM NOT A THIRD PARTY, I AM WHO I AM XXXX XXXX. PLEASE SEND TO LITIGATION DEPARTMENT IMMEDIATELY 911, NO E OSCAR : I have no knowledge of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX. I am sending you this in regards to those accounts. My name is XXXX XXXX I am not a third party company, I am a human writing this. Notice to you that I am a consumer in fact natural person, executor, administrator, holder in due course for any and all derivates thereof for the surname given XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters processing, and I hereby claim that I will d/b/a consumer, XXXX and autograph as the agent, attorney in fact, so be it. Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most high of creation and I depose the following facts so be it, now present. Fact, 15 us code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled Exhibits that Equifax is in violation of Rights of privacy. Not giving consent is fraud, I did not give any consent as to the accounts listed XXXX XXXX XXXX XXXX XXXX are fraudulent. Defamation to my character and trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. Depression and anxiety and mental health. It is damage and punitive damages which is an amount exceeding {$10000.00} you must send to me by 10 calendar days of receiving this message.
Complaint sub-issue: Deposits and withdrawals

I have been contacting Citibank in reference to a check I deposited since XX/XX/2019. They informed me that the check would not go through and was therefore a bad check. However, it did end up being a valid check in the amount of {$410.00} and I have been trying to access my money since XX/XX/2019. They give me a false excuse every time I call and were supposed to close the account and send me out a check within 60-90 calendar days from the initial date the check cleared. It has been more than 5 months and every time I get a statement in the mail it shows that my money is still there. I have no access to it as my debit card is cancelled and I need my money. They're lying to me and have been this whole time.
Complaint sub-issue: Debt was result of identity theft

This debt is not my debt I was subjected to XXXX XXXX not responsible for any transactions concerning this matter.
Complaint sub-issue: Banking errors

A check number XXXX dated XX/XX/XXXX was written in the amount of {$5.00} against the undersigned 's Citibank checking account. On the front of that check underneath the date, was the pre-printed words " Void after 90-days ''. The check was presented to Citibank for payment in the amount of {$5000.00} on XX/XX/XXXX. 

Despite the fact that the check was VOID at the time of presentment to Citibank for payment, and was also stale dated, Citibank nevertheless paid the check on XX/XX/XXXX, more than a year after the check was written and more than 90-days after the check 's validity date. In addition, Citibank paid the check against the undersigned 's account for {$5000.00} ; instead of {$5.00}. 

Citibank has since failed and refuses to take any corrective action on this matter after being notified multiple times of the Bank 's error.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, Equifax, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.