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

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Debt is not yours

XXXX continues to report inaccurate information on my credit report. XXXX   responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from AFNI. I  mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with AFNI to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay AFNI. AFNI refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since AFNI refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

AFNI has and continues to violate my rights according to the FCRA. AFNI is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if AFNI continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.
Complaint sub-issue: Don't agree with the fees charged

I initially had my loan with  XXXX   XXXX  and applied for and was accepted into an income-based plan.  XXXX   XXXX  spun-off federal loans to  XXXX , which then became my provider. I applied for public student loan forgiveness certification, whereupon my loans were transferred to FedLoan Servicing. I neither asked for nor consented to any forbearance, because I wanted as many months as possible to count towards my PSLF.   XXXX  However, they placed me into forbearance, and immediately notified me that my interest would be capitalized  ( it had not been capitalized because of the income based repayment plan ), upon the  end of the forbearance.   XXXX  Thus , FedLoan is impr operly profiting from capitalization of interest and fraudulently does so based upon unilaterally placing loans into forbearance.
Complaint sub-issue: Other problem getting your report or credit score

My credit history is unavailable and has disappeared on Equifax
Complaint sub-issue: Information belongs to someone else

Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX {$400.00}
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX A 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 XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquires I did not authorize and done without my consent
Complaint sub-issue: Debt was paid

MACYS/XXXX  XXXX This debt was paid and closed on XX/XX/2020 however my credit file still shows a balance. The balance should be reporting as XXXX! This is preventing me from getting the credit I deserve and needs to be corrected or delete the account right away!
Complaint sub-issue: Contacted your employer

On XX/XX/2019 , my employer received an email from Apex Servicing with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted Apex Servicing who first stated that they don;t have me in their system. Then the lady stated that yes she found me and the loan is for XXXX XXXX. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is  XXXX   XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that Apex Servicing is not licensed at all. THIS IS A SCAM
Complaint sub-issue: Debt is not mine

Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. 

I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. 

The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. 

On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. 

This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.
Complaint sub-issue: Personal information incorrect

Personal information incorrect, name, address,, multiple unauthorized accounts that I didn't provide written approval for sharing.
Complaint sub-issue: Account information incorrect

Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with chase and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please don't respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation.

It is my right that under the FRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Maryland. Additionally, If you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 
Please provide me with a copy of an updated and corrected credit report showing these items DELETED. I demand the following accounts be properly XXXX XXXX XXXX  verified WITH EVIDENCE or removed immediately : ACCOUNT NAME XXXX - {$1600.00} ACCOUNT NAME : XXXX Account Number : XXXX Bank {$1900.00}
Complaint sub-issue: Information is not mine

I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX
Complaint sub-issue: Account information incorrect

I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX  XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Received a letter from XXXX congratulating me on my new XXXX Rewards card. I never applied or even intended to do so. I have XXXX accounts with XXXX, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from XXXX from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.
Complaint sub-issue: Threatened or suggested your credit would be damaged

they call me regards on a debt on firstdata leassing company that i never sign any paper or anything involved with that equipment it would be stolen identety for somthing that im not aware i want to stop calling me or email me thing that i do not own anithng
Complaint sub-issue: Trouble with how payments are handled

I am paying my daughter 's student loans to discover because I co-signed with her. 
I have repeatedly asked for a monthly statement and do not receive one. I guess at the amount due each month. Also, when my daughter went to their website to to see if a payment had been received, it showed past due. She called and was finally connected to a real person and was told the payment had not been received. This was XXXX/XXXX/15. The check cleared my account the following XXXX XXXX/XXXX/15. My daughter checked the website again and it said the check had been received on XXXX/XXXX/15. When I looked at the back of the check, it cleared Discover 's bank on XXXX/XXXX/15. I just want a monthly statement sent each month. Also, I guess they sold one of my daughter 's student loans to XXXX XXXX. XXXX XXXX sends a statement each month. My daughter 's school was XXXX ( XXXX In XXXX ). She graduated and has not found a job with compensation sufficient to pay the loans.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of  which is a loan with XXXX. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to Equifax, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at Equifax and XXXX that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. XXXX is also still reporting the account, even though I sent them everything legally required to have this blocked.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX and XXXX XXXX XX/XX/XXXX to update this suspicious information. 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. I think you have not validated this account 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. 
CIG FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.
Complaint sub-issue: Information belongs to someone else

There are five accounts on my credit report that do not belong to me. The accounts are the following. XXXX  XXXX {$12000.00}, XXXX XXXX/XXXX {$8500.00}, XXXX XXXX   {$16000.00}, XXXX-XXXX {$18000.00} and XXXX XXXX XXXX XXXX {$6600.00}. I have filed an FTC identity theft report as soon as I was made aware of these accounts because they were opened by someone else without my permission. I contacted the creditors as well as the credit reporting agencies and explained what was going on, however, the creditors nor the credit reporting agencies did anything to get this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax multiple times by certified mail in regards to late payments showing on my credit report from  Dept of Ed  XXXX . I advised Equifax that I was never late during the times of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and request them to do an investigation and correct the inaccurate information they have showing on my credit report. After 30 days of investigation Equifax respond back to me that the information was reported accurate by the creditor. I contacted the creditor which is Dept of Ed/ XXXX  in regard to late payments showing on my credit report  and Dept of Ed  XXXX  assured me that they are not showing any late payments in their records because the account was in deferment during the dates  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX . I have requested multiple times that Equifax correct the inaccurate information and they will not make the corrections to reflex on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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 I have asked for verification of contracts or relationship with these companies and Equifax is unable to provide such evidence.