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

*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; EQUIFAX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was mailed a settlement offer letter. The letter was received after the due date for the settlement. I attempted to contact the collection agency multiple times and they refused to honor the settlement offer and payment arrangements. When I asked them to stop calling me they continue to call all of the representatives and supervisors we 're rude and threatening except  XXXX   XXXX .
Complaint sub-issue: Account information incorrect

Equifax is reporting a derogatory mark on my credit report. I contacted the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. ( OFFICE : XXXX TOLL FREE : XXXX ) XXXX, and they said that I was n't liable for this mark and that they were not reporting this to any credit agency. I tried disputing it with Equifax and also opened up a reinvestigation earlier this year that has not been addressed.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Complaint sub-issue: Was not notified of investigation status or results

As I am working to clear up things that are on my credit I came across XXXX XXXX  From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I BUYER MY HOME IN  XXXX   2007  AND GOT MORTGAGE WITH  XXXX . THE MORTGAGE WAS TRANSFER TO  XXXX . IN MY CREDIT REPORT I HAVE  XXXX  MORTGAGE COMPANIES OPEN FOR THE SAME TERMS AND AMOUNT. DATE -  XXXX   2007 , AMOUNT - {$490000.00}. I HAVE REPORTED TO EQUIFAX WITHOUT ANY ACTION.
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: Was not notified of investigation status or results

I requested a payoff amount by email and gave them my new address to send information in XX/XX/XXXX. I advised them I will pay {$5000.00} toward the balance if they did not advise me of another payoff amount in writing. I advised them and sent a copy of a letter from XXXX XXXX XXXX telling me to make payment to XXXX. I told them I needed a payoff amount from them as we were told by XXXX, when trying to pay to XXXX, that we should make payment to XXXX XXXX  XXXX. They were advised I would not pay anyone but XXXX. 
I waited for several months and on XX/XX/XXXX I made a payment of {$5000.00} by mail to bring my account up to date. I wrote to XXXX  back with a copy of the check, the prior letters and advised them I would resume regular payments and, again, gave them my correct address. 
My credit rating went below 600 due to this problem that was unresolved with them. I was unable to refinance a loan during this period due to ONE low credit score. I was told again to make payments to an unknown ( otherwise ) lawyer firm but never got anything in writing about how to do this. I continue to make my payments to XXXX  by mail.
Complaint sub-issue: Investigation took more than 30 days

these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.
Complaint sub-issue: Information belongs to someone else

EQUIFAX has violated my federally protected consumer rights Reporting Fraudulent accounts to my report.The Law Clearys States 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Debt was result of identity theft

Equifax has been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. They've assumed this responsibility. According to the congressional findings under law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they assumed this role. I have never given them my permission or consent to do so. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again under 1681 ( b ) ( 2 ), I have never instructed them to furnish or create anything that is on my credit report. They have assumed control over my trust without my permission.
Complaint sub-issue: Received bad information about your loan

I switched from XXXX to FedLoans in XX/XX/XXXX. I was told to make regular payments during the transition to avoid any delay in payment. During that time I was put on an administrative forbearance that spanned two payment cycles ( XX/XX/XXXX-XX/XX/XXXX, XXXX ). This was a forbearance that I was not made aware of until XX/XX/XXXX when I realized my PSLF qualifying payment count was wrong and that I was in pay ahead status. In the past, when I needed to go on forbearance ( with XXXX ) I was given paperwork stating I was in forbearance, but I never received such paperwork from FedLoans. I called FedLoans multiple times and spoke to multiple managers regarding this. They offered to shorted my administrative forbearance in order to make my XX/XX/XXXX payment would count. I received multiple letters stating my administrative forbearance period was changed. 

My questions are : If my administrative forbearance was shortened, why did my XX/XX/XXXX payment not count towards my total qualifying payments? If this was not the proper solution to my issue, why did a FedLoans Manager offer to do such and state that this should fix the problem? 
Why was I put on an administrative forbearance but told to make payments during that time? Why did FedLoans collect over {$6000.00} in capitalized interest on a forbearance that I did not want? Why do I not have paperwork agreeing to this forbearance or stating the forbearance period ( prior to XX/XX/XXXX )? 
Why arent borrowers informed that any payment made during a forbearance period would not count towards your qualifying payments in PSLF? If they are informed of this ; was this a policy that was in place in XX/XX/XXXX ( when I was put in forbearance )? 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX GEORGIA XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on my credit report
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered a TV from XXXX using my Citi card on XX/XX/19. I attempted to cancel the TV less than 12 hours later on XX/XX/19. The total cost from XXXX was {$390.00}. 

I was told that there would possibly be a 15 % pre tax restocking fee if the TV had already shipped. It had not because I canceled less than 12 hours later. 

The most I expected to pay was 15 % of {$390.00} pre tax but did not even want to pay that. I ended up not even receiving the TV delivery and was charged the full price for the TV - {$390.00}. 

I disputed and redisputed this with Citi bank and they denied me. So now I have an outstanding balance of {$390.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Information belongs to someone else

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my updated credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXXBalance Owed : {$2200.00}
Complaint sub-issue: Information belongs to someone else

I HAVE SOME FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, AND I SENT IN ALL DOCUMENTS AND STILL NO LUCK I NEED THESE ACCOUNTS OFF ASAP. THANKS XXXX, ACCOUNT NAME XXXX XXXX XXXX # XXXX XXXX. ACCOUNT NAME XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I reached out to Equifax on dates XX/XX/21, and XX/XX/21. On XX/XX/21 I requested from Equifax a Method Of Verification and I did not receive a response from Equifax concerning my request. On XX/XX/21 I sent Equifax a letter stating that Equifax was not in compliance with my request for a Method Of Verification. I explained to Equifax that my request was a request as authorized by the FCRA 611 ( a ) ( 7 ) and that Equifax now had 15 days to respond to my request. Equifax has not responded to my request of providing me with a contract with my signature from the original creditor XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2021, I reported identity theft fraud of the XXXXXXXX XXXX ACCT to the following credit bureaus : Equifax XXXX XXXX After reporting the information, I contacted each of the bureaus via mail with a personal and detail letter stating the fraudulent information. This account has been CLOSED and is STILL on my credit even though I am UNAWARE of the balance or creditor information. I reached out to each of them by phone and requested that the information be REMOVED IMMEDIATELY. I am NOT aware of the information and have never known of the information before. I later received a response that the information had not been updated or changed and that the account would remain on my report due to the information provided from the creditor. 

I am still requesting for the information to be REMOVED IMMEDIATELY.
Complaint sub-issue: Investigation took more than 30 days

Equifax had a security breach in which 143 million people are at risk of having their credit compromised and worse yet there identity stolen. 

I am one of the one hundred and forty three million people that have been affected by this security breach. 

Equifax was made aware of this said breach on XXXX XXXX 2017 and did n't report this breach to the public until XXXX XXXX  2017. In the forty-four days they have known about this, I did n't receive not one notification that potentially my social security card, drivers license and other personal information was in the hands of thieves. I learned of the security breach through the media. 

This is a direct violation of section 501 ( b ) of the Gramm-Leach-Bliley Act and Ken. Rev. Stat. Chapter 365 The interpretive guidance states that a financial institution should provide a notice to its customers whenever it becomes aware of an incident of unauthorized access to customer information and, at the conclusion of a reasonable investigation, determines that misuse of the information has occurred or it is reasonably possible that misuse will occur. 

Customer Notice Customer notice should be given in a clear and conspicuous manner. The notice should include the following items : Description of the incident ; Type of information subject to unauthorized access ; Measures taken by the institution to protect customers from further unauthorized access ; Telephone number customers can call for information and assistance ; and Remind customers to remain vigilant over next twelve to twenty four months, and report suspected identity theft incidents to the institution. 

I now as a consumer whom never authorized this company to collect my information, am now subjected to having to endure financial burden of freezing my credit report, obtaining new credit cards/debit cards, and the anxiety of knowing that a copy of my social security card and drivers license is floating in an unknown person/people/group to use for their own purpose. 

Equifax has failed to protect me as a consumer!
Complaint sub-issue: Their investigation did not fix an error on your report

Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Complaint sub-issue: Problem with personal statement of dispute

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made purchase, an item from XXXX furniture down payment of {$1500.00}. XXXX cents by CITI Bank Card, and by the time the merchant told me, that, right now, we don't have in stack, you must wait, to received, at list, after 9 ( Nine ) Weeks, or more, I said ok! 
However, after, a few days, All of the sudden, I lost my Job, I had a mass disaster, affected my XXXX  wife and my XXXX ( XXXX ) little children, I have to canceled my recently, XXXX  furniture. Item by CITI Bank Card, and I call to XXXX, and I explain what happen, they said we are sorry about your job loss, we will help you right now the manager, is not around, we will conform you tomorrow. I said thank you but, Nobody call me back! 
for the second time, I call again to the merchant, still the same words told me by phone and then, I were suspicious, I decided, to talk to the merchant face to face. 
the 3rd, day I went to the store again, explain, what happen, I am so sorry, this is my Laid off paper proof after, long time employment, I have children, and my wife is XXXX  months XXXX  and I didn't even received, the furniture, even, not ready for shipping so far please help me,? I ask politely! then, one of store supervisor said to me " how about employees commission? " well I am sorry I have most, urgent, financial needs, first, Like, Bread, milk, rent. 
the merchant, said, we have to email to the store manager, her name is XXXX, her phone # XXXX we have to wait her decision! she didn't answer stay longer her response! I was frustrated about XXXX  customer service. 
I call my Credit Card Campany, CITI Bank I describe, the steps, that I have taken, to resolve the matter, with merchant. Based on my document I fax to my card issuer, all papers that I have, they accept my dispute and promised to me they will help me. 
finally, they told me unable to help you because, the merchant change the game and need you to pay {$890.00} Dollars, coast of product!!! 
Where is my credit card Protections? Please see my case, as based on a principle of fairness. Now a days, Being out off work for an known period of time is one of the leading reason and I need help >!!!