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

Equifax has been using third party companies such as XXXX, XXXX, XXXX, XXXX and XXXX to verify information on my credit file. However, I sent several different letters as well as a procedural request letter asking them who they verified the bankruptcy with. I called on XX/XX/2021 and asked what the method of verification on the alleged bankruptcy you are reporting. The agent on the phone stated, that the bankruptcy was verified by XXXX XXXX. My response was, Appalled by that information. I went directly to XXXX XXXX and stated they can not verify this information themselves, therefore they have taken the liberty to DELETE this bankruptcy from their records. This would mean this bankruptcy is by law considered UNVERIFIED and needs to be deleted from my credit report immediately! 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Equifax removed the bankruptcy from my credit file, but didn't remove the XXXX XXXX  account that is still on my credit file. The XXXX XXXX should've been removed from my credit file as well, because it was never properly VERIFIED by the company.
Complaint sub-issue: Old information reappears or never goes away

The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.
Complaint sub-issue: Trouble with how payments are being handled

I have two loans with Firstmark Services. For years I have paid the two loans separately, as one has a small balance and the other is more than XXXX times that balance. 

On XX/XX/19, I paid {$200.00} to one of the loans ( the 'intended '' loan ). Instead of applying it to that loan, they applied a portion to that loan and another portion to the other loan. This caused the intended loan to appear delinquent. The smaller loan is always paid 1 payment ahead and neither loan was delinquent at the time of the payment. 

I had to email the company multiple times and I had to call them. The person on the phone said that they saw in their system that their were instructions to apply the payment specifically to the larger ( intended ) loan, but that the payment was not applied correctly. 

The person advised they would attempt to have it corrected. The daily interest on this loan is {$11.00}. To date, this error has cost me {$130.00} ( 11 days of interest ). Additionally, I had to make another payment so that this loan would not appear delinquent. I suspect that the company will also incorrectly report me to the credit bureaus. I will file complaints with those bureaus as well. 

Assuming they correct my loans, had I not been watching them like a hawk, they would have taken hundreds of dollars from me and ruined my credit. I know your organization faces obstacles in watching student loan servicers, but it is essential to have someone on the side of the consumer against these large, callous, greedy companies.
Complaint sub-issue: Information belongs to someone else

FCRA payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2000.00} Status Open. {$6.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$29000.00} Status Open. {$120.00} past due a
Complaint sub-issue: Problem lowering your monthly payments

XX/XX/XXXX- I took the forbearance option because the payments that Sallie Mae demanded got out of control XX/XX/XXXX- they did a financial check of me and my co-signer. It was determined that we did not make enough money to keep a roof over our heads and be able to pay what they were requesting. We told them how much we could afford, but they still refused to go down and only went to {$800.00}, which we determined there was no way we could afford. 

XX/XX/XXXX-XX/XX/XXXX- tried writing letters dm requesting written communication to figure out payment plans. They would not respond and they still will not work with me. Now I am at risk of default because they are refusing to help me.
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.
Complaint sub-issue: Information belongs to someone else

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Complaint sub-issue: Their investigation did not fix an error on your report

This is 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/21 I was never told I can validate my debt. Pursuant to 15 USC 1592g. 
I would like to get everything back from them to do so.
Complaint sub-issue: Frequent or repeated calls

They are not just calling me everyday, three to even five sometimes more per day, they ( XXXX XXXX - Sallie Mae ) even emails me daily, sometimes more than once a day. The fact 's are this is my grandson 's loan I am only a co-signer. He is not in default but having an issue between XXXX XXXX ( whom really is the big problem ) and acquiring a loan to get back into school. They kicked him out the day before finals because our loan was not complete which put him into an XXXX. We got a loan through XXXX and the school refuses to enroll him so the loan ca n't be excepted. It is bad enough that he is paying XXXX for classes he had XXXX in and was not allowed to finish the semester but the fact the kicked him out right at finals ... is wrong. I am trying to help him and XXXX is trying to resolve this and get a forbearance or something but no one is helping him. In the meantime I am being harassed for being a co-signer and this is not only illegal but beyond stressful. They are emotionally tormenting me, harassing me, stalking me via phone and email. I am a XXXX year old woman and I can not have this kind of XXXX daily. They need to work with my grandson so I can further co-sign but to harass me for signing when he is only a few days late and not DEFAULTING it abusive!!! I ant something done NOW please help us and help me I am too old for this kind of worry, stress and craziness. A co-signer should NOT be Harassed EVER. Notified of the issue yes but stalked via phone and email several times a day ... that is mentally tormenting and stalking me. Sallie Mae needs to be punished for this behavior and in away that will make them think twice before allowing this kind of torment especially to a co-signer. Please help us. Please!!! 

Respectfully Yours, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I have disputed XXXX XXXX XXXX on my Equifax credit report. I have sent an Affidavit and police report stating this is not my account. But Equifax refuses to obey the FCRA. They refuse to remove this account from my credit report. This has caused me Financial damages in higher interest rates and emotional distress.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, MECHANICS BANK, on XXXX. XXXX, 2019, METROPOLITAN XXXX and on XXXX. XXXX, 2019, US BANK XXXX XXXX XXXX XXXX the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Funds not handled or disbursed as instructed

In XXXX of 2019, I received a promotional offer from Citibank offering me {$500.00} when I opened a new Citibank checking account and deposited {$15000.00} within 30 days and kept it in for 60 days. 

This was the link I was given in order to sign up for the checking account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshot of the promotion I was given by Citibank. 

I then signed up for the checking account directly from this link and followed all of the instructions as given - I even checked with Citibank chat support and confirmed that the promotion was linked to my checking account, and that I just had to wait 90 more days after maintaining the initial 60 day minimum balance in order to see the {$500.00} arrive in my checking account. 

Last week, imagine my surprise and extreme frustration when I was told that there is now NO promotion linked to the checking account I created, and that there is no bonus to be received. Please escalate and validate/make things right here, as I have placed too much money into a checking account for too long to be receiving literally nothing for it due to a mistake from Citibank 's side.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Complaint sub-issue: Billing dispute for services

Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Complaint sub-issue: Account status incorrect

The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was contacted by a collector within the company and told that the loan was in default and I needed to commit to paying {$600.00} per month for a year, and then the terms would be revised to reflect the commitment and my financial situation. At the end of the year the company continued to demand {$600.00} per month and when I explained that there was no way that I could continue to make those payments told me that the interest and fees would compound indefinitely. What began as a student loan amounting to around {$30000.00} for an in-state college has exploded to extortion of what the company quotes at approximately {$120000.00}.
Complaint sub-issue: Information belongs to someone else

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 


Account name : XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

i did not give anyone written consent. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  : case number XXXX Made a complaint to the federal trade commission ( FTC ) : XXXX
Complaint sub-issue: Billing problem

XX/XX/XXXX CarMax Inc received a bill of sale with a acceptance for value, special indorsement and a statement of the facts. XX/XX/XXXX I received two documents, a welcome letter and a notice of Reassignment. Can CarMax please respond to this complaint with a valid contract attached to it. XX/XX/XXXX I have no valid contract.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do god knows what. They failed to assist and I am now filing a complaint. 

XXXX XXXX  salliemae XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I've tried disputing this account with this company numerous of times and haven't got a response. Instead of the company deleting the alleged debt like they did on my XXXX profile they decided to decrease the debt 50 % turning the debt from XXXX $ to {$1700.00} and fail to comply with the letters I sent them. This company did not do a correct investigation. I never got any supporting documents stating that the debt is mines.