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

Equifax and XXXX  reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. XXXX  has refused to re-investigate this matter.
Complaint sub-issue: Debt was result of identity theft

I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
Complaint sub-issue: Debt is not yours

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

Equifax werent able to verify it and I attached my proof of results marked deleted for this account # XXXX so why is it still reflecting marked as paid and closed on my last update credit report that was sent by the USPS. 

Lastly i never file bankruptcy for account # XXXX that is inaccurate information and must be deleted under the Fair credit reporting act. This account with XXXX XXXX XXXX  should be listed under investigation under bankruptcy fraud Title 18 U.S.C. 157 ( 3 ) because i never filed or included that account on my bankruptcy.
Complaint sub-issue: Reporting company used your report improperly

My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking account.
Complaint sub-issue: Problem with customer service

I have been repaying my loan since its deferment ended. It is serviced by AES. My XXXX continues to be a cosigner on the loan and I undertook the process to remove him as a cosigner. I filed out the initial form on their website to do so, mailed it in in XXXX XXXX and in XXXX received a reply letter asking for further documents. I sent further documents in XXXX, in XXXX I received another letter denying again and asking for more documents. I sent these and finally in XXXX XXXX received a final letter denying my request. On the denial it states to call AES if I have questions about this decision. I did so but AES informs me that they are unable to provide any further information as they are only the loan servicer. They however can not allow me to speak with anyone from the actual lender to provide any clarification and simply ask me to submit a request again via letter. They have created a circular process in which the inertia required to accomplish anything is so great that most people will give up at some point. The only service my servicer is providing is to obstruct my access to my own lender in order to receive any sort of satisfactory response. Furthermore the credit score that they note in their reason for denial is inaccurate.
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Complaint sub-issue: Their investigation did not fix an error on your report

Ally has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XXXX XXXX, XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XXXX XXXX took it a step further and decided to contact Ally to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ XXXX since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XXXX XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed Ally that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from Ally has wanted to take accountability and accommodate me with what I was originally told. I 've even provided Ally proof of the information displayed on their website at the time and asked them to pull the calls. Ally has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from Ally on XXXX XXXX, XXXX at XXXX. Her contact number is XXXX XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XXXX XXXX, XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and Ally with the burden of proof to justify my claim. Its sad because I was a loyal customer with Ally and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use Ally and will likely spread the word of how this company operates unethically.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX  XXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.
Complaint sub-issue: Account status incorrect

The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!
Complaint sub-issue: Information belongs to someone else

Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX, XXXX XXXX, XXXX XXXX 

Equifax you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Public record information inaccurate

I disputed a public record ( bankruptcy ) several times with Equifax. The investigation came back as verified through XXXX XXXX. I then submitted a dispute with XXXX XXXX and they said it could not be verified and was then deleted from their files. I sent proof of investigation that I received from XXXX XXXX and they have yet to delete the file from my report. I disputed again and it came back saying it was verified through court system. I wrote court system and they stated they do not verify they would have to go through XXXX XXXX. I received an investigation result from Equifax on XX/XX/2020 in the mail stating again it was verified through XXXX XXXX and still has not been deleted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, Equifax or XXXX since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, XXXX, and Equifax credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, Equifax and XXXX  1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity theft. Beginning XX/XX/XXXX and have had numbers of credit cards, loans and accounts opened in my name without my authorization, knowledge or consent. My 3 emails, social media and phone were compromised. 
The actions I have taken are as follows : XX/XX/XXXX Filed Police Report # XXXX for Fraud XX/XX/XXXX Filed Police Report # XXXX for Identity Theft XX/XX/XXXX started to contact merchants that I am aware of identity theft against me XX/XX/XXXX - contacted my banks and closed all my checking accounts and credit and debit cards XX/XX/XXXX - Opened an account & filed a report to FTC XXXX Federal Trade Commission ) at Identitytheft.gov XX/XX/XXXX Contacted Credit Bureaus ( XXXX, XXXX, XXXX ) to put Fraud Alert/freeze on all my credit/identity XX/XX/XXXX Filed an Identity Theft Report at Office of the Inspector General at secure.ssa.gov XX/XX/XXXX Suspended my compromised cell phone One of those credit cards is a card with Upgrade , Inc . I was notified of this card fraudulently being opened by a welcome letter in the mail XX/XX/XXXX. This card was opened with a credit limit of {$10000.00} that was already maxed out before I received the card. I have reached out immediately and informed them of fraud. My response was that someone would get back to me, which I never received a response from anyone. I have reached out on 3 separate occasions. I have never activated nor used this card to my benefit directly or indirectly in any way, or have made any purchases on this card. I sent an email out on XX/XX/XXXX in another attempt to resolve this. My response to this email was a request for more information and documents which I complied with. I have submitted all documents that have requested from me, and all possible documents to prove my claim. My response from Upgrade , Inc. was returned with a request for even more documentation. I have provided the requested documentation and have not heard from them. I did not hear back so, I have sent a follow up on XX/XX/XXXX with an email. I have also followed up with dispute letter from the FTC Identitytheft.gov. On XX/XX/XXXX, I have finally received a response refuting my claim that this transaction is indeed fraud. 

However unfair this has been to me, I may be forced to seek legal action, of this if it continues, at your organization 's expense if this persist.
Complaint sub-issue: Account status

Equifax is refusing to remove incorrect disputed item from my credit file, whereby I am denied Home Loan from lender, XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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. Below is the list of inquiry that is still reporting on my Credit Reports : XXXX-Date of XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.
Complaint sub-issue: Account status incorrect

Flagship Lending Acceptance, LLC is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called Flagship and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make 1/2 of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from Flagship information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from XXXX  that Fladstar has reported me late. I called Flagstar and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus.

I am reminded of Flagships logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''.

I believe Flagship is in violation of the fair credit and reporting act. I want my account updated and reported correctly.
Complaint sub-issue: Didn't receive services that were advertised

I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim of identity theft
Complaint sub-issue: Didn't receive enough information to verify debt

Thank you for your assistance XXXX XXXX XXXX was my medical provider. I have experienced numerous costly medical errors at XXXX in XXXX, XXXX, XXXX. The total cost of lost wages is over {$850000.00}, healing from their errors have also been very experienced. 

I have no money left. 

In XXXX, I had several XXXX bills totaling around {$480.00}. I was paying {$15.00} a month as that is all I could afford because of their errors. I was also paying several other healthcare facilities including a non-XXXX XXXX doctor, and a non-XXXX  and XXXX  which totaled around {$5000.00} which was 100 % preventable with a {$50.00} test XXXX  did not do. 

XXXX has been receiving {$35.00} a month for at least a year. 

XXXX they sent me to collections, EOS. EOS contacted via letter twice in wish I told them I was paying XXXX monthly payment. 

I have not heard from them after two contacts in XXXX. 

They now ruined my credit by submitting 4 collection cases to XXXX.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.