Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Debt was result of identity theft

Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive sent Discover multiple correspondences in regards to reporting inaccurate account information. Demanding them to delete/remove the account, but my demand has fell on deaf ears. At this point Im left with no choice but to take my ignored complaints to a higher governing authority. The XXXX, XXXX XXXX. XXXX XXXX, The CRA must give you a written report of the investigation. Also pursuant to XXXXFCRA states that if the account is inaccurate it must be deleted. 
As mentioned in the FTCs Advisory Opinion Press Release on XXXX, In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. I notified Discover of this FTC violation and it appears they ignored it. 
I have also notified XXXX in regards to this inaccuracy of this account. XXXX and Discover have both failed in their responsibility to conduct an appropriate investigation of the account. As seen in, Estate of XXXX v. XXXX XXXX XXXX XXXX. XXXX. XXXX ( XXXXXXXX XXXX XXXX  ). XXXX is known for claiming to have verified an account without ever providing proof. 
In conclusion, Ive notified XXXX and Discover both have failed to uphold their FCRA, as well as XXXXFCRA duties. This has brought great distress due to the fact that I have gotten multiple denials for auto and home loans etc. This is defamation of character on multiple levels and libel, which has harmed my abilities to acquire these basic necessities of life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In XXXX of 2022, I was a finalist for a CEO position and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. I am formally complaining that this credit report is being reported by Equifax and a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry as I was not seeking credit. I have called XXXX XXXX and requested they fix this error and have not received a call back from them. After not receiving a message from XXXX XXXX I filed a dispute with Equifax and it was denied. I am requesting that this inquiry be removed from from Hard Inquiry which would remain on my report for another 13 months and continue to have a negative impact on my credit score as if I were attempting to over purchase.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.
Complaint sub-issue: Reporting company used your report improperly

IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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



15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my written instruction.
Complaint sub-issue: Don't agree with fees charged

Firstly I had not been receiving any mail on making payments to my federal loans to my loan servicer Great Lakes, despite it reflecting I have selected the postal option. Then one day I receive a letter from them, ' you are {$1.00}, xxx behind on your payments, you must pay this off and continue your payment plan. You should also go into forbearance if you can not pay this. Turns out they were sending all these emails to an old email I had used for school and had not been aware of to whom and how much my monthly payments would be for my federal student loans. I replied to the email and went into forbearance this past month. Since that month that I had logged into my account and requested forbearance, I recall the unpaid principal being about {$30000.00}. I log in today to find the principal to be {$34000.00}. I understand that loans still gather interest in forbearance but this seems a little ridiculous. I did some research on other people that had Great Lakes as their servicer and found that many people experience unknown fluctuations in their principal. This makes me very unsettled when this is who I 'll need to deal with for many years in repaying my loans. I 'd like to get back on track and will be filing my taxes soon to apply for an income based repayment plan, because Great lakes is expecting me to pay about 20 % of my income. I was hoping to seek some guidance in dealing with my servicer, as well as bringing to light the issues myself and many other students are experiencing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights . 

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

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.
Complaint sub-issue: Problem with statement of dispute

I do n't know what else to do with Equifax. I disputed XXXX XXXX on my report and the company agreed that I had paid the account and it was closed, as can be seen by the {$0.00} balance and statement. Equifax did not properly update this and is still showing it as XXXX days past due. I complained to the CFPB and received a response saying that it had been looked into and to call Equifax for results. I called for results and the man, XXXX XXXX, that I spoke with told me that they never received a CFPB complaint and that the CFPB was lying if they said that Equifax responded because they did not. He also told me that I was not allowed to dispute XXXX XXXX anymore and just had to accept that it was wrong. This is completely outrageous that they would be allowed to circumvent and lie to a government agency, the CFPB, and knowingly leave mistakes on a person 's credit report. I am outraged.
Complaint sub-issue: Information belongs to someone else

Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information is not mine

on my XXXX report it is showing an address that I previously lived at, that is not mine at all. This is recent activity, and I see it as means of a fraud or possible identity theft. I would like it looked into right away.
Complaint sub-issue: Account terms

Equifax is reporting incorrect information on my report as follows : XXXX XXXX acct number XXXX acct is reporting incorrect the acct is CLOSED and has no date that it was closedThe acct has a date of XXXX for Date of first major delinquency that is completely falseXXXX acct XXXX this account is CLOSED and has no date
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I mailed to Equifax a Dispute letter asking for method of verification for a fraudulent account reporting on my credit under XXXX XXXX for {$3800.00}. They have no responded to this letter within the 30 day time-frame, nor have they updated me on a status. Action I want taken is this account to be removed immediately.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX and XX/XX/2021 Carter Young Inc was notified by phone and email that the account associated to me is fraudulent. I submitted a police report and ftc report yet they so keep harassing me and the account is so on my credit report. I do not owe any amount to Carter Young Inc
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter to Equifax Credit Reporting Agency and I have not received a response to my letter of dispute for the following companies. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Letter was submitted to Equifax, requesting for an investigation of inaccurate information being reported into my credit profile due to identity theft. I have not been notified by Equifax of any results. It has been over 30 days. Original submission was on XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

PROOF OF CLAIM : Pursuant to The Federal Tort Claims Act, I am stating my proof of claim. I have been wrongfully injured due to the, negligent or wrongful acts and omissions of the agents of XXXX XXXX XXXX XXXX XXXX. SUCH AS EMOTIONAL DISTRESS, DEFAMATION, WILLFUL AND ILLICT FRAUD, PROPERTY LOSS AND DAMAGE CAUSED BY SUCH ACTS MENTIONED. I HAVE DISPUTED THIS CLAIM THROUH EQUIfax as they have removed the Duplicate account XXXX XXXX XXXX has furnished and under false pretenses according to 15 US CODE 1681 ( Q ), 15 USC 6809 ( 4 ) ,15 US CODE 6803,28 U.S.C. 2671-2680, 15 US CODE 1602 ( F )
Complaint sub-issue: Account status incorrect

When I received my Annual Credit Report as well as a copy from your site, zero late accounts and zero negative accounts, yet, my credit union, XXXX, states that you are advising them of me having a serious delinquency. Something in your systems is giving this information and i need you to review it and fix it immediately, thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with Equifax and XXXXI used the score simulator offered by XXXX   and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as XXXX XXXX  and believe I am being penalized for not taking the action they want.
Complaint sub-issue: Investigation took more than 30 days

The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!
Complaint sub-issue: Account information incorrect

I arranged a payment for my vehicle and the operator assured me that I will not get a late payment reported on my credit report because I completed a promise to pay and set up my account information so that the funds will be taken out of my account and they still reported a 30 day late payment on my credit report I asked them if possible to remove because someone told me from their team that I will not receive a penalty because I set up a promise to pay. They denied to remove the penalty. Ive been calling them for a week and after I provide my information so someone can access my account they hang up the phone on me. Ive been trying for at least a week. My payment was due on XX/XX/XXXX but because I was experiencing financial issues my pay date fell on XX/XX/XXXX which I stated to ally auto which caused my credit score to  drop 78 points I believe. And since XX/XX/XXXX Ive been calling and I havent spoken to a representative from ally auto yet
Complaint sub-issue: Account information incorrect

I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX BANK. 



COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded XXXX it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX  FURNISHES XXXX UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from XXXX credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX  FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting USAAs unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
Complaint sub-issue: Information belongs to someone else

This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.