Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I sent a dispute to Equifax electronically about the validation of my student loan with XXXX. I have yet to receive a response electronically or by mail to verify the debt.
Complaint sub-issue: Debt was result of identity theft

My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX** 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: Personal information incorrect

I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS
Complaint sub-issue: Problem with personal statement of dispute

I went through a loan modification process that took this company 1 year and a 1/2 to  resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( Equifax, XXXX and XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
Complaint sub-issue: Information belongs to someone else

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX   XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Complaint sub-issue: Investigation took more than 30 days

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on equifax, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards
Complaint sub-issue: Was not notified of investigation status or results

I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, Equifax & XXXX still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX
Complaint sub-issue: Debt is not yours

ERC trying collect {$630.00} for an account with them I never made business with them, never signed an contract with this company.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. 

As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX  and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because : According to 15 USC 1681. I have the right to privacy. And I did not give written permission to furnish these accounts. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( {$29000.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$22000.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I received a statement from XXXX Anywhere Visa Business Card by Citi about an overdue payment 3-4 months ago. I immediately went online to pay the overdue bill and when I paid it, the company automatically enrolled me for paperless statements despite the fact that there was a box that had to be checked for them to enroll me for paperless statements and I did not check it. I stopped receiving paper statements and so I did not pay bills to the company for this time. The whole bill for the time I did not pay was for the amount of {$20000.00}. I have already paid {$18000.00} to the company. When I found out that I stopped receiving the paper statements, I paid this amount to the company and called them to ask them to send me my original billing statement which states the specifics of what each payment was made for. As a consumer, I have the right to know what I am paying for. I kept calling the company to ask if I could receive the billing statement, telling them that I would pay them but I need to know what I am paying for. The company still has not sent me my original billing statement. Over the phone the company told me I could see the billing statement information online. However, when I went online, I found out that they blocked my access to my information because of my late payments. They have also charged me an unreasonable amount in late fees and interest that I refuse to pay. The total amount is {$2800.00}. For the past few months they have continued to send me bills telling me my overdue amounts in interest and late fees without sending my original billing statement. I called the company explaining that the amount was unreasonable but they have not done anything to resolve the issue.
Complaint sub-issue: Account status incorrect

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Complaint sub-issue: Their investigation did not fix an error on your report

On today, XX/XX/XXXX I received a letter from Equifx dated XX/XX/XXXX advising me that they will not be conducting further investigations into my dispute for Bankruptcy, Case or ID # XXXX AND Bankruptcy, Case or ID # XXXX that are reporting under my name has been verified as accurate. as it previously has been verified as accurate. On XX/XX/XXXX I sent a letter to Equifax in response to the letter I received earlier in XXXX indicating the bankruptcies had been verified, requesting that Equifax provide the description of the procedure used to determine the accuracy and completeness of the verification method within fifteen ( 15 ) days of the completion of the re-investigation ( ie, he name, address, and telephone number of each person contacted regarding this alleged account ) As well, I asked that Equifax not use any automated response or e-oscar verification methods with the re-investigation of the alleged accounts. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

I also advised Equifax that I was requesting the removal of the XXXX alleged bankruptcies due to Civil Case No. XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, v. Equifax XXXX XXXX XXXX XXXX. As well, I advised Equifax that if they did not comply with my requests for an accurate investigation, I would proceed to file a complaint with the Consumer Financial Protection Bureau and then the Attorney Generals office if needed, due to their non-compliance. In addition, Equifax was notified that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX ), they may be liable for their willful non-compliance in an accurate re-investigation, that does not entail the use of e-oscar or any other automated verification method or response.
Complaint sub-issue: Problem with personal statement of dispute

Between the dates of XXXX of 2021, myself and family members got sick with XXXX XXXX. I was not working for close to 3 weeks, without pay. Durning that time frame, I spoke with Upgrade and they put me on the hardship program. I was to pay roughly about $ XXXX monthly. While I was on the program they understood I was going through a difficult time and was trying to keep up with my bills. Within that time frame I began to fall sort on many of my bills, and was unable to keep up with the monthly payment. As of today I have only two late payments reported to my credit report that is sadly effecting me in life. Im currently trying to move and get a new place before my lease gives out and the two late payments is causing me much distress.
Complaint sub-issue: Received bad information about your loan

I've attended University XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was promised job placement before enrolling. I was advised once my XXXX XXXX XXXX was completed, I would be guaranteed to get an entry job in my field so I can gain experience. Because of what was being proposed to me, I believed the advisor and completed my associates and my bachelor 's with them. Since I've graduated, no job placement was provided to me. Due to no job placement and no experience, I am unable to get a job in the related field. Now, I am stuck with debt in the amount of {$59000.00} and no job in the field I've graduated.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2020 In the XX/XX/2020 bill from ATT Universe I was charged with something I did not buy or authorize to be purchased from a Best Buy store XXXXThe bill came online so I attempted to delete this charge but could not do so.I called the card company and told them I did not purchase the item or service.Whoever I talked to said a new card would be sent with a different account number but said nothing about removing the charge. I received the replacement cards and checked the account on line only to learn that in addition to the first there was a second charge in the same amount on the statement but had been placed on the replacement card account even though both charges were fraudulent. This process has continued in subsequent billings. I called phone number on the card talked with some without a name for over half an hour but nothing was resolved.At that time I told whoever I was talking to to cancel the account. I receive harassing emails and daily phone messages from-XXXX. I have done nothing wrong yet I am harassed and threatened. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me 120 days late on the XXXX XXXX XXXX, partial account number XXXX. This account that a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance {$0.00} past due.
Complaint sub-issue: Debt was paid

I had a mobil account with XXXX in XX/XX/XXXX. I lost my account due to FBI wanting my phone shut off in the state of TN. XX/XX/XXXX I was put into XXXX XXXX XXXX TN and I worked the debt off. XXXX  contacted me while i was there paying my debts with forced labor. In XX/XX/XXXX I was informed that i no longer owed XXXX anything, that everything had been paid in full, both accounts. <P/>XX/XX/XXXX I walked into an XXXX store here in XXXX XXXX Nevada and opened a new account, without a deposit for the account. <P/>Why do they still have an charged off account on my credit report from EOS CCA? I do not owe XXXX any money for my previous accounts. I 'm up to date on my current account. <P/>I 've been having problems with FBI/CIA blackmailing my creditors to keep false information on my credit accounts. I hired lawyers two years ago the fix this problem, but some creditors still keep listening to FBI/CIA. If yo look at my credit report, one month they show up, report for a while, then disappeare. years later, they show up again. Blackmailed by FBI/CiA. What was the since of working for free in XXXX XXXX in TN. It has n't taken my debt off my credit report. TN, FBI, CIA needs to be investigated for bothering peoples credit!
Complaint sub-issue: Billing problem

Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. 
Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. 
Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. 
I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. 

The representative did SOMETHING that allowed me to see several more rows of payment history data. 
When I saw more rows of a higher interest amount, I was really confused. 
I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. 

The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. 

I am unable to determine whether what the representative told me is correct or not. 
I can see only the current loan balance. I can't tell what the loan balance was for prior months. 

I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? 

I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I applied for a loan with a bank " XXXX XXXX '' and was given poor credit score, which XXXX XXXX said they got from Equifax after I had them go back 2x to review their files. When I inquired with Equifax on XX/XX/18, I was not given information I requested. I was told they can not give me my credit score. I went through 30 tortuous minutes of identification and they had my wrong address even though I've been living in the same house for 15 years and dozens of credit accounts. After I spent half the time identifying myself and the other half trying to resolve, I was told that they had looked at my file and COULD NOT identify anything derogatory in it. This stemmed from all my credit score monitoring saying me I had a scores north of 780 and Equifax reporting that it was XXXX. I requested to speak with a supervisor since they would not give me my score or resolve the discrepancy. As of the submission of this complaint, I have been on hold for 1.5 hours and counting ... ... This system is wrong, broken, and another symbol of big Corps controlling the process and the rules to the detriment of the citizen ... .Please have someone respond to me to tell me what can be done about this extremely poor service and I can not resolve why Equifax gave the wrong creditscore to a lender and I can do nothing about it!!! thanks.