Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

This letter is regarding account # XXXX, which you claim my account has 23 late payments with Ally Financial. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. 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 have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 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. 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 ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 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. 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.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
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 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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: Public record information inaccurate

My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Complaint sub-issue: Information belongs to someone else

I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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 SUN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to confirm that these issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.
Complaint sub-issue: Threatened to sue you for very old debt

At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. 

The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. 

The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.
Complaint sub-issue: Their investigation did not fix an error on your report

I received multiple different copies of my file. 

In each copy, my information were incorrect, multiple files and multiple SSN ( wrong ) being reported. 

I submitted request for them to fix and never got a response, inclding a request to freeze
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... AFNI ( Original Creditor : 11 XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed my attorney general XXXX XXXX accounts with XXXX  and Equifax several times asking them to correct the information that they are reporting as it is incorrect or not my accounts. I have detailed proof that I have provided to them on several occasions and they removed the accounts at one point but reinserted a few months later as verified. I have contacted the Attorney General XXXX XXXX  division to ask if they were contacted in these regards and their reply was no. I have contact information from the AG office representative who sent my account over to the judge to have my accounts updated. However, XXXX  and Equifax continues to report false information. The payment amounts are incorrect, the late payments are false, and one of the accounts have been closed that they continue to report as open with late payments. I am a XXXX veteran and my payments come out automatically which I have proof of. I had arrears on my XXXX  XXXX from day 1 that the AG office and I agreed to increase my support amount which I agreed with. These are not late payments which the CRA states 120 and 180 days late on different dates. For the times they report my account as late payments I have statements from the AG office receiving my payments on time.My account should report current and pays as agreed or these 3 accounts should be removed from my  account as my rights have been violated on several occasions with these accounts. I am in the process of purchasing a home and have been denied several time on the account of these false and incorrect reporting agencies. I have till the end of XXXX before I loose my earnest money on this home and I strongly urge you to help me in this matter. 1 account reports with past due 180 days with a late payment XX/XX/XXXX late 120 days how can this be. This same account is actually close and paid in full by county judge. There are no 30,60,90 days late on this account. Payment amount is also wrong. All violations. The other account reports my payment amount of {$22.00} which is incorrect and a violation reports 120 days past due. No 30,60, or any other late payments. The other AG account reports 180 days late in XXXX in XXXX. This is false and none of these accounts can be actually verified by the CRA. I have the proof of payments for every misreported account. They have not verified any of this information with the exception of using my address to verify which is not accurate. The have also removed other accounts back in XX/XX/XXXX as deleted and placed all of the accounts back on my report with no reinsertion notice or verification. They remove for a few months and reapply with no notification or justification. I have no loans or agreed accounts with the attorney general XXXX  XXXX  division these are all forced accounts on my credit file that I do not agree with. I also disputed several other accounts with Equifax and they reported back to me verified or accounts not on actual reports which is false and they are and I have proof. XXXX XXXX and XXXX accounts have now been reinserted onto my Equifax credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.
Complaint sub-issue: Didn't receive enough information to verify debt

This bill was directly paid to the company, please see the attached cancelled check. This check was cash by XXXX XXXX. this has been disputed before and has not been removed from my credit report XXXX. this is severely damaging my GOOD CREDIT rating. I have attached the cancelled check. Please remove and update my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There was a unauthorized inquiry on my credit Bureau report on XX/XX/XXXX upon review of my credit report i notice a high amount of inquiries that i did not recall. i also had my identity stolen along with accounts opened along with credit applied for. i requested for proof that the company had permissible purpose to obtain a copy of my credit report i was informed that hard inquires wont be removed unless its with a police report however permissible proof was never provided. This request and replies happened XX/XX/XXXX at XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
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 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 XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 two year old daughter PLEASE HELP ME PLEASE im XXXX now
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I paid {$27.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, notary certificates and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I requested a Fraud Alert on my credit reports to prevent any further damage by this type of activity. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid ANOTHER {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Equifax and the accounts have not been removed.
Complaint sub-issue: Investigation took more than 30 days

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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account DISCOVERBANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVERBANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.