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

Dear CFPB, Over the past several months ( XX/XX/XXXX to XX/XX/XXXX ) I have sent in dispute letters to Equifax, XXXX, XXXX  regarding XXXX XXXX XXXX XXXX account that is on my Equifax report. The most recent dispute I sent in was for inaccurate information to ALL 3 Credit Bureau 's. My reports show ALL inaccurate dates, balances, high balances, date of last/first delinquency, last payment, and estimated removal date of this account along with some other inaccurate information ( I will attach a copy for your viewing of this letter ). Each time this account is under dispute I only receive this account was verified, but No documentation from the 3B 's was provide in reference to whom he/she spoke with or any paperwork he/she received from this company. Or even how this account was verified, In fact each time this was disputed the dates on my report would change which were inaccurate. ( I also will provide my credit reports showing this inaccurate information ). Even after the most recent dispute I sent, it was completed still did not receive anything via US Mail, I only receive notification through my credit monitoring app that remarks had been added to my report. The information still shows as inaccurate on my Credit Report, to this very day. Equifax & XXXX  did not properly review this dispute, any other disputes I may have had with them would show up on MyEquifax.com or XXXXXXXX and show the dispute status along with an estimated turn around date when the dispute would be complete. Neither one DID NOT even show up as in dispute stage on my Equifax or XXXX  account online. XXXX  did notified me via email that my dispute was received and it was being processed. Yet still after a week the dispute was completed and information that was changed on my report and did not reflex what my previous report showed. Such as On Record until was changed, recent balance DATE was changed, and first reported was also changed on XXXX  by a 3 month timeframe. I have this right as a Consumer Under the Fair Credit Reporting Act ( FCRA ) to dispute this information, this also violates the provisions of the FCRA. This inaccurate information is also hurting my credit score, this account is also listed as a " Charge off ''. I have the items that are reported inaccurate highlighted on the attachments for your viewing. The disputes just keeps being updated, I have not received a dispute completed form for XXXX  since XXXX. So I have not received any from the disputes that have received. 

XXXX  has the following inaccurate info : HIGH BALANCE ( Amount & Dates ), DATE OF LAST PAYMENT Equifax has the following inaccurate info : DELINQUENCY OF FIRST DATE ( this date keeps changing ), CHARGE OFF AMOUNT or anything Highlighted. 

XXXX has the following inaccurate info : ON RECORDUNTIL, FIRST REPORTED, DATE OF STATUS, WRITTEN OFF AMOUNT, or anything Highlighted. 

Please see attachments
Complaint sub-issue: Problem with customer service

In XX/XX/2022, I received a notice about my loans coming out of the program that had a locked interest rate of 4 % which lowered my monthly payment because originally I was not able to afford the monthly payment without being in that program. Proactively, I called Sallie Mae in XXXX to discuss my repayment options as this program is coming to an end. I called them before my due date of XX/XX/XXXX. And they told me that I couldnt, talk to anybody yet because as of that point my loans were still in a program and so any sort of eligibility for other programs would not show. That customer service representative advised me to call after my XX/XX/XXXX payment has posted saying XX/XX/XXXX. Sometime in early XXXX, I called and spoke with someone about my repayment options. They said that there was no options available for me because I had not applied with an 18 months of the loan disbursement date and Ive use my forbearances. I was unaware about the forbearance as I have used because I was under the impression that I was going into special programs while I was in school and I wasnt able to repay because I had just finished law school and was taking the bar and had no income and apparently, during that portion of my life, they were using a forbearance, because there wasnt any other program available to me. At that point that gentleman gave me a phone number to call for loan servicing options. On XX/XX/XXXX I called that phone number and tried to speak to somebody about loan repayment options and they told me they would not talk to me until my loan was in collections. That person advised me I can not call until XX/XX/XXXX. Because that is when the 5 day grace period ends, sending me into collections. Every time I have called Ive been given a different date and XXXX just trying to figure out a way to be able to pay my loans but not at the payment because I cant afford the payment. A separate complaint is regarding the interest rates that these services are able to charge on student loans, my student loans have an interest rate of 14 % which is a little ridiculous given that it seems a bit predatory since I was XXXX XXXX XXXX signing documents that I had no idea about.
Complaint sub-issue: Information belongs to someone else

id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX  {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, I noticed that my credit score had dropped dramatically due to a derogatory mark from North American Recovery for an account balance of {$730.00}. The debt was from the XXXX XXXX XXXX ( XXXX Hospital ). On XX/XX/XXXX, I submitted a dispute with XXXX  because the account was not mine. The dispute resolution did not take the derogatory mark off my credit report as the the collection agency insisted the debt was mine, but they did not provide me any proof of debt. The balance continued to climb and pulled my credit score even lower. On XX/XX/XXXX I visited the original creditor to try and obtain more information about this account. XXXX Hospital said that they had no record of me ever being seen or treated at their facility. On XX/XX/XXXX, I called North American Recovery to try and resolve this. The first person I spoke with, a woman, said they could n't find any information based on the date of birth or social security and that I had to call XXXX to obtain the account number. I called XXXX and they were able to provide me with the account number and helped me file a second dispute. I called North American Recovery again. This time I spoke with a man who kept repeating that this call would be recorded. I gave him the account number and he said it belonged to someone with a birth year of XX/XX/XXXX. I am XXXX years old, I was born in XX/XX/XXXX. The address also did not match. He stated that the original creditor did not have to keep medical records because they had been transferred to them. I requested that he send me all the information that they had on file for proof of debt and provided them my current address. He proceeded to ask my place of employment and best contact number. I did not disclose my employer because I did not feel comfortable releasing that information. He stated that they could only hold the account until the end of the month at which point they would file a lawsuit against me. I am currently waiting for the file they are going to send me and for the results of the second dispute.
Complaint sub-issue: Debt is not yours

False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the rights 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 belongs to someone else

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX/XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
Complaint sub-issue: Was not notified of investigation status or results

XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Pr actices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against Equifax,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call on Friday XX/XX/18, the man calling said I was being sued for a an amount of {$1500.00} dollars, from us bank, and if I didn't pay I would be going to court and I could get my wages garnished in order to repay the debt or I could make monthly installments until debt was paid off. I told him that the last time I had a banking account with US Bank was over 10 years ago and have not banked with them since. he said he would email me a letter and I had to sign it. if he didn't have it within 48hrs they would proceed with the court filings for the debt. I have called US Bank three times and all three persons who I have spoken to say nothing comes up with my social of me being in collections and they advised me not to open the email that they sent me, that it might be a phishing email in order to obtain my personal information. the email address i received it from is - XXXX, the persons named in the email are a XXXX XXXX and a XXXX XXXX . 
phone number they called from is XXXX and the reference number they gave me was XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Equifax continues to violate my consumer rights. On XX/XX/2022 I sent a letter to Equifax requesting inaccurate personal information be deleted from the consumer file. I sent a copy of my driver 's license so the inaccuracies can be corrected. I also requested documentation of their method of verification for previously disputed accounts, not a reinvestigation, including XXXX ) The name of the original creditor, XXXX ) The creditors address and telephone number, XXXX ) The person 's name they verified the dispute with, XXXX ) The documentation used to verify the dispute. I have not received the requested information. I do not want inaccurate and unverified information furnished on my consumer file.
Complaint sub-issue: Their investigation did not fix an error on your report

The philosophy of XXXX XXXX and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of Jefferson Capital Systems being listed on my credit reporting file, I have not received documentation from either XXXX or Jefferson Capital Systems as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Complaint sub-issue: Funds not handled or disbursed as instructed

I had sent a XXXX electronic payment via XXXX XXXX using the US Bank Phone app to my significant other at her Credit Union on XX/XX/2018. 
After checking for the deposit over several days and it still not showing up XX/XX/XXXX I called US Bank to see why money had not been sent to the specified account even tho funds had been removed from my US Bank account on XX/XX/XXXX. 
US Bank said funds had been sent. 
After calling the credit union to check again funds show no history of transfer. 
Filed a claim with US Bank XX/XX/2018 Over the phone. On XX/XX/XXXX I received a document for signature ; on XX/XX/XXXX, I received a denial of claim from US Bank! After calling the bank and being transferred several times, I was instructed by a bank employee that I must sign the form prior to any investigation on my behalf and the missing {$200.00}.
Complaint sub-issue: Information belongs to someone else

They're are these Hard Inquiries on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX These are all wrong , and I wasn't made aware of till now and it Is affecting my credit.
Complaint sub-issue: Didn't receive services that were advertised

XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My anxiety consumed me with worry and this left me in very troubled state of mind ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, EQUIFAX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, I have experienced severe emotional and mental anguish battling with this dispute for almost over two years. Following this incident my physician has prescribed me XXXX to manage with my stress and anxiety levels. With plenty financial distress to no avail this issue has still not been corrected by XXXX XXXX XXXX XXXX XXXX, EQUIFAX and XXXX.
Complaint sub-issue: Deposits and withdrawals

In XX/XX/XXXX I signed up for a Bank of the West checking account with a XXXX dollar bonus if I made more than 1500 dollars of payroll deposits into the account in a 4 month period in a row. According to my statements I satisfied this requirement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and even XX/XX/XXXX. However they never paid out. I talked to a rep on the phone in XX/XX/XXXX and they told me Id see the bonus in my account on XX/XX/XXXX. This didnt happe so I called again the first week of  XX/XX/XXXX and asked what happened. The rep told me the XXXX dollar bonus would be in my bank account the last day of XX/XX/XXXX. This never happened. Finally I emailed on XX/XX/XXXX and got a respond on XX/XX/XXXX that they did some research and they dont know what happened. I just want that XXXX dollar bonus
Complaint sub-issue: Personal information incorrect

Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
Complaint sub-issue: Information belongs to someone else

These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XXXX  XXXX XXXX  XXXX  2. XXXX XXXX XXXX  XXXX XXXX 3. XXXX XXXX XXXX
Complaint sub-issue: Account terms

On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts specified below continue to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not verify these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$27.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with customer service

I have been on the IDR repayment plan for my student loans since XX/XX/XXXX. My payment has been based on my income which has made my payment amount {$0.00} up until XX/XX/XXXX, when my payment started to be {$23.00}. I was making ontime payments up until COVID pause was put into place. In XX/XX/XXXX I submitted PSLF application for the time of XX/XX/XXXX when I started working at a school. My application was accepted in XX/XX/XXXX and I recieved credit only for the time of having to make a payment above {$0.00}. I have requested a recount and have still only recieved credit for 36 payment. I should have 103 qualifying payment as {$0.00} payments are supposed to count.