Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I have reached out to Fed Loan Servicing and requested information in which I have yet to receive a response. Fed Loan Servicing is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax, XXXX and also XXXX letters about a miss payment that they reported 90 days late. I asked them to verify that this was indeed correct, However, they sent me an updated report stating that it was correct. I know that it's not correct because I was in a deferment at the time. Due to me being in school. As I looked over my report that they are claiming I was late, by law they have to report every month that I was late., However, they reported that I was late in XXXX XXXX, Let me tell you all how dirty Experian just is, Because they could not show any record of me being late on a payment. They took it upon their selves to go in and switch every student loan date that had reported 90 days late and only marked in XX/XX/2019, with all the other slots being checked ok. So Now they read a late payment in XXXX, XXXX, XXXX and XXXX. This is so much against the law and I am thinking about contacting a lawyer. Luck for me I print out all credit reports. Even have the ones from last year and two years ago from when they claim I was 90 days late. So please explain to me why did you all go and change them and never notified me of this change.
Complaint sub-issue: Account status incorrect

My account has been sold to a different bank XXXX XXXX XXXX XXXX XXXX  has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Complaint sub-issue: No notice of investigation status/result

I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Complaint sub-issue: Personal information incorrect

I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is the only one that had deleted the inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Credit card acct # : XXXX account balance : {$2700.00} XXXX credit card acct # : XXXX account balance : {$1900.00} 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. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as '120 past due XX/XX/XXXX '.
Complaint sub-issue: Information is missing that should be on the report

I filed a complaint XX/XX/XXXX and Equifax refused to respond saying they couldn't respond because they can't identify me. I need to write to them. I have been writing and emailing and calling. I will not keep doing that. I will add all my identifying information here so I can have proof of the actions that Equifax falls to take. 

My complaint : Back in XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts. 

Equifax generic response : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We have reviewed and considered the information you supplied through the Portal. It is our policy to take each complaint seriously and to respond to consumer complaints swiftly ; we have completed our internal investigation, and this complaint is being closed. The results are below : Equifax must obtain proper identification from the consumer before disclosing any information regarding his/her credit file. In order to properly address your concerns and update your credit file, please submit a copy of a utility bill reflecting your current address, a birth certificate along with a social security card showing the social security number to Equifax XXXXffice of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. You may also contact us at XXXX to speak to a Customer Service My identifying information is attached. Now please explain why my credit information was removed. 

Documents address to confirm address and name : NC Government Issued Drivers License with current address Social Security Card XXXX W2 also showing name and address
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

ON XX/XX/XXXX I made a Payment to XXXX XXXX in the amount of {$1.00}. ( See attachment. ) At the time my balance was {$520.00} as shown on my credit report. ON XX/XX/XXXX The payment successfully made leaving my personal checking account. ( See attachment. ) That payment was NOT applied to my account as of XX/XX/XXXX more than 1 year later. ( see attachment. ) This demonstrates ANY payments made to this company for this account will NOT be applied to reflect a true and correct account balance and payment status. This a violation of FCRA regulations.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.
Complaint sub-issue: Information belongs to someone else

Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/19 and XX/XX/19, I disputed inquiries on my credit report through equifax they told me i needed to reach out to all the companies which i did and they could not verify i applied to these places and told me to re contact equifax and they will not remove them. Attached is the copy from my report.
Complaint sub-issue: Trouble using the card to spend money in a store or online

It seems that things I try to buy online randomly get block/denied even if I have enough money.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against equifax as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Equifax arbitration bylaws .Equifax removed accounts and readded them back on my credit report and due to the FCRA XXXX I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Equifax did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA., and refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623.Equifax failure to remove these negative inquiries and accounts have caused me mental anguish and has hurt me financially. My case will be handled by XXXX XXXX XXXX XXXX XXXX CONSUMERPROTECTION LAWYERS ) XXXX XXXX XXXX XXXX  Al XXXX We are bring our legal claims against Equifax as of today. 

XXXX XXXX XXXX  Car XXXX XX/XX/XXXX {$120.00} XXXX {$95.00} ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bank  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer XXXX XX/XX/XXXX These certain induvials in the fraud department are responsible and the will be personally named in our lawsuit as of today XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax XXXX XXXX XXXX XXXX XXXX of Equifax Fraud and identity product manager
Complaint sub-issue: Unable to open an account

YOUR BANK KEEPS LYING SAYING YOU CANT VERIFY ME FOR MY PPP LOAN EVEN THOUGH YOU HAVE THE SBA NUMBER AND YOU WONT LET ME OPEN AN ACCOUNT SO I ATTACHED THE DOCS TO A 3rd PARTY MEDIATOR. If you lie to them and say you cant verify it your responses will be used to file a state action against you in court for damages to my XXXX   in the amount of the loan we are loosing out on. I have sent the bank information already but I attached verification and statement again. We are a XXXX XXXX that gets paid cash for XXXX  and have XXXX  that are on wages who book these cash gigs for XXXX in XXXX. We cant work due to covid shutdown. We are a XXXX minority XXXX XXXX with XXXX XXXX employees who need these paychecks which we cant pay without bars and restaurants being opened. XXXX XXXX fought so companies like ours without a banking relationship dont get left out and you are now doing exactly what she was afraid would happen. You have my loan number and information but you are not releasing our loan because we are a XXXX XXXX XXXX and that is unfair! We have set up banking for this loan and 60 million was set aside for companies like ours. I demand you send me my loan amount immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently did a dispute through equifax and asked for a specific proof on an account they investigated it but no one had what I asked for according to the fcra guidelines they have to show it I asked for the original signed contract for the credit application and for the copies of all the cashed checks used to pay the account I recorded them today XX/XX/2020 saying they dont have it
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XXXX I consolidated my Federal student loans because I was hired into the XXXX XXXX XXXX and they provide a XXXX XXXX loan forgiveness program. I expressly consolidated so that I could have the loan forgiven in 10 years and said as much to the service when consolidating. They did not inform me that for the loan to be forgiven you have to be in an income based repayment plan and they instead set me up with a minimum payment plan so that I would only get a payment credit every 2 or 3 payment instead of every month. I 've given up on the XXXX XXXX loan forgiveness program after 7 years of federal service as it would n't be worth increasing my payments and for the next 6-8 years it would take to get the 120 credits it requires to be forgiven.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Complaint sub-issue: Account status incorrect

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with BLINCLOANS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Complaint sub-issue: Investigation took more than 30 days

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Previously disputed on XX/XX/XXXX. Verified XX/XX/XXXX. Method of verification requested on XX/XX/XXXX. As of XX/XX/XXXX I have not received.
Complaint sub-issue: Account information incorrect

this is agains t CitiMortgage. this is  from a year ago when they reported us late on mortgage. I did tell them that tenant defaulted in  XXXX   2016.  they know its a rental home. regardless they reported me late for months and even did an inspection when I told them what I did. and there was no reason to do an inspection other than try to charge a fee. I feel strongly they can correct the info given the circumstances or put something in there so it does not damage my credit. I currently have a lawsuit against the tenant for damages. please note I know they will sa y Fair credit reporting gives them this avenue. I would like it amended.i am a long te rm customer. please consider. I warned you before hand. please. no scripts. just help in some way. PLEASE no red tape
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX