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

I have written letters in great detail to Equifax on many occasions disputing the following items : XXXXXXXX XXXX XXXXXXXX ; CXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Account number listed on credit report ; XXXX XXXX XXXX XXXX XXXX No Account number listed on credit report [ XXXX XXXX XXXX IS REPORTING TWICE! ] XXXX XXXX XXXX XXXX XXXX [ ALSO REPORTING TWICE ] for violating one or more of the following : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. ( Including Equifax ). A representative of the CFPB responded to me in writing putting " VERIFIED AS REPORTED '' next to each item that I disputed, meanwhile NONE OF MY MATTERS WERE ADDRESSED! I would like to see the information that was allegedly provided to verify these accounts because I certainly informed you that I do not consent to E-Oscar. Please mail that information to me! Also regarding my previous complaint, why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting? You do understand that no consent equals identity theft, right?! Why did no one address the fact that I requested original contracts and original disclosure forms that these companies allegedly have on file, and I never received them! Why did no one address that XXXX, Equifax, and XXXX are furnishing completely different information for the same accounts! How am I to believe anything that is being reported with XXXX proof?? Why are these companies reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct? Why has no one sent me a full-accounting ledger for these accounts as I requested???? Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB! YOU, the CFPB are the supervising authority over the CRA 's, yet, you are not enforcing any laws ; why is that??? To this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT, AND IT HAS NOT BEEN!! Your blatant disregard for fairness, privacy, and accuracy is obvious! This is mere willful noncompliance! Congress states that the behavior I am experiencing by you impedes the banking system and undermines public trust. I have experienced tremendous mental anguish and injury due to these matters. Not only that, I have been unable to obtain new credit, and these matters have caused an extreme amount of difficulty for myself and my family. Please reinvestigate these matters. Again, I do not consent to E-Oscar.
Complaint sub-issue: Personal information incorrect

I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. equifax didn't try to contact me to see if this was accurate instead just put it on my credit as dead
Complaint sub-issue: Fraudulent loan

I have student loan accounts reporting on my credit that does not belong to me. I have never applied for this loan or any other credit lines on my behalf. I did not co-sign for anyone else to do so. This account does not belong to me.
Complaint sub-issue: Account status incorrect

I had a foreclosure on my home in   XX/XX/XXXX .   XXXX  reported it on my credit in    XX/XX/XXXX   . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX  Mortgage contacted  XXXX  telling them this debt ( charge-off of {$35000.00 } ) was to o old and needed to be removed. They refused to remove it, stating we had made payments in   XX/XX/XXXX ,  XX/XX/XXXX  and   XX/XX/XXXX   of that year (  XX/XX/XXXX  ).  We were unable to purchase a home due to their fraudulent claims.     I disputed it with   XXXX   and thankfully they removed it. I have tried to dispute with Equifax (    XX/XX/XXXX    ), but  XXXX  reported we never missed a payment from   XX/XX/XXXX  to  XX/XX/XXXX   and we make payments on the loan ev ery 3-4 months . They have not reported to  XXXX  any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from    XX/XX/XXXX - XX/XX/XXXX   , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in  a 7-year  period to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX
Complaint sub-issue: Account information incorrect

I filled a complaint with CFPD XXXX months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.
Complaint sub-issue: Debt was paid

I C systems Collection XXXX XXXX XXXX XXXX XXXX  was paid before closing account with them. 
Account closed more than XXXX  years ago. 
XXXX XXXX XXXX was holding refundable deposit of {$300.00} required to open account. 
XXXX was kept by XXXX XXXX XXXX to fully cover last bill. 
Last bill amount due was {$200.00}. 
Remaining {$99.00} from {$300.00} deposit was to be returned to me by check. 
Requested last bill showing deposit used for payment covering last bill. 
But last bill was not sent stating this because they said it wasnt possible to specify on bill that deposit was used to cover last bill. 
Account was assured paid covered by initial deposit and closed. 
Never received remaining {$99.00}. 
Called many times but was never given an answer only that my account was closed and bills were not sent out to accounts that have been closed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called LexisNexis several times today XX/XX/2022 to file a dispute. The representatives started taking my dispute and when it seemed to be too many items, conveniently after being on hold for 2 hours said she could no longer process my dispute and transferred multiple times until I was eventually hung up on. Their website does not allow for consumers to create an account to dispute. I am at my wits end simply trying to get a dispute filed with the company with no clear direction.
Complaint sub-issue: Personal information incorrect

I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. This is false statement presented as fact. And it is causing significant damage to my reputation. i need this information corrected immediately.
Complaint sub-issue: Information is not mine

Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.
Complaint sub-issue: Trouble with how payments are being handled

From  XX/XX/XXXX  through  XX/XX/XXXX , I made  28  payments of {$180.00} to Mohela. None of these payments were posted to my account. They were sent to  XXXX   XXXX   XXXX ,  XXXX  Missouri  XXXX . These were sent via my online billpay service through  XXXX .  <P/> According to Mohela - due to the fact that I had declared bankruptcy, my loan was put into " Bankruptcy '' status and stopped receiving payments. However, instead of returning the payments or notifying me that they were no longer being accepted, Mohela forwarded these payments to "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' as they were the guarantor of the note. Mohela informed me that to recover these assets or have them applied back to my account, I would need to reach out to the guarantor.  <P/> I was advised to call  XXXX . This is a phone number for  XXXX .  XXXX  informed me that they had received no payments from Mohela and that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX  , other then acting as a servicer. They advised that I should call the  XXXX   XXXX   XXXX   XXXX  at  XXXX .  <P/> This number is ALSO a phone number for  XXXX . When I called that number, the same person who had answered when I called the  XXXX  number answered again. They also advised me that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and that they had no record of receiving any funds from Mohela.
Complaint sub-issue: Banking errors

Example 1 : XX/XX/2020 : emptied safe deposit box. Was told both keys ( 2 ) were needed to close the rental to the box and I only had one with me. 
XXXX XXXX, 2020 : submitted the 2 keys and was told by branch manager she would email me the confirmation the box was closed. 
XXXX, 2020 : emailed branch manager to follow up. No response XXXX XXXX, 2020 : second email to branch manager. Her response was full of excuses, and grammatical and spelling errors telling me I was not authorized to empty the safe deposit box and they have to go thru their legal department. 

Example 2 : receiving checks for a new checking account with 5 errors in my name & address. This caused an unnecessary delay in obtaining my new checks. 

Example 3 : I requested printouts of specific bank deposits and was told they would be sent to me via email. This was confirmed a week later by a second agent when I followed up. After 2 weeks of not receiving my request, I spoke to a third agent who said fulfilling my request was not possible. 

Example 4 : When closing my fathers account due to his death, an agent told me they could not accept the legal document from NJ as the bank was in NY. This was completely incorrect.
Complaint sub-issue: Reporting company used your report improperly

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

In accordance with the15 USC 1681 section 602 A. States I have the right to privacy15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Account Number XXXX XXXX Reported Balance {$8300.00} Reason : ID THEFT - This Collection Is Not My Account
Complaint sub-issue: Didn't receive notice of right to dispute

I recently had a collections account added my credit from I.C. systems Inc. I have no reciliation of any debt owned. I have never received a letter in the mail, email or phone call regarding this debt. The debt just appeared on my credit report. For this reason I was never given the opportunity to dispute and never given an account number to reference the debt. When trying to file a dispute on the I.C. Systems website it ask for a full account number linked to the debt. However, because I have never received notification of the debt, I do not have the full account number to dispute, only the few numbers listed on my credit report.
Complaint sub-issue: Information belongs to someone else

These accounts I have input in this report are not my accounts. Please remove them immediately. Thanks.
Complaint sub-issue: Information belongs to someone else

I went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/2020, I applied for a student loan of {$18000.00} through Sallie Mae for XXXX XXXX XXXX for an XXXX XXXX field. The college had promised a full-time in person training throughout the program. However, due to COVID-19, they experimented half virtual half in person learning, which turned out to be a disaster for me and my classmates. I simply received a certificate of program completion, after the college was shut down, which had absolutely no value in getting me a job. Meanwhile, Sallie Mae was charging me interest in the background without my knowledge. Sallie Mae initially promised to kick in payment and interest upon graduation from the program. But they were not truthful. Because of the pandemic and poor training, I am unable to find a job. As a result, I am having an extremely hard time making loan repayment to Sallie Mae. I have pleaded with the college to help out as their program was a failure and also pleaded with Sallie Mae to waive the excessive interest, late fees, and increase in monthly payments. Neither the XXXX college nor Sallie Mae will honor my request. I have been hard-pressed and extremely saddened by the situation I have been put in by the college and Sallie Mae. 
I therefore appeal to you to help me out. 
I would appreciate you assisting me in this crucial matter.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXXXXXX, and XXXX & I am including it againXXXX XXXXXXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$48000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} 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 XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I submitted all the proper paperwork to XXXX they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I called Equifax to get the incorrect information disputed on my account. I was unable to do so over the phone because documentation was needed to be faxed over so I went online to do it. I uploaded all required documents and continued to call to speak to someone to talk with them about what was needed to be disputed over the phone. After calling throughout the day speaking to a Supervisor getting the run around no one wanted to help. The one person who was willing to help said to me go in the system and upload the document that needed, I will wait on the line once you do let me know because I pulled up the license ( one of the documents being requested ) he was able to do this because I gave him the dispute number ) I was not able to stay on the line with him because in turn I put the wrong password into the account and my account was then locked due to an incorrect password and I had to wait the 30 minutes to be able to log back in. The excuse being given is call back because the system is being updated and we cant pull up the file when not even 10 minutes prior I called was on hold with someone and the person hung up. This started at XXXX and continued with until XXXX. I have yet to be helped and the documentation is there in the system already. I have dispute confirmation numbers to prove such. I spoke with 7 associates and 1 supervisor. Again the end the excuse as stated was our system is down and we can not access your account. This is only happening because I am being persistent and wont take no for an answer because no one wants to actually do the work. This is unacceptable when this is not my fault at all. They want consumers to use credit in America but EQUIFAX wont take responsibility for mixing up two credit files. I did what was asked of me and now Im getting the run around and its aggravating. Please I am asking for your help in this matter. I shouldnt be treated this way as a consumer not to mention this is holding up be being able to securely apply for things especially when I know that my credit is clean.
Complaint sub-issue: Funds not received from closed account

In XXXX we found we were unable to make transactions in or out or our checking and savings accounts. 
We attempted to visit local Citibank branches in XXXX but found they were closed first due to the covid virus and then due to the protests and demonstrations that began across the country. 
We called Citibank XXXX and spoke with XXXX on XX/XX/XXXX. 
We were told the bank was in the process of closing our accounts and they were therefore blocked. 
We were not given a reason why. 
We were given case number XXXX  
We were told Citibank is unable to give a specific date when our funds will be released but that it is never more than 30 days from when they are initially blocked. 
We are now close to the 30 day time period and when we contacted Citibank again they still do not give us a specific date as to release of funds. 


We would like to be given a specific date as to when these funds will be available. 
We need these funds for essentials like housing payment, health insurance, groceries, prescription refills, etc. 
We would like to know by what method we will receive these funds.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person